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68454 Home Insurance Quotes & Rates

Currently, the 275 homes within the 68454 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Nebraska is around $1,161 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Unadilla, NE, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 68454.

Nebraska is now ranking #9 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Unadilla home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Nebraska has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 68454 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Unadilla, Nebraska home insurance rates today!

Please give us a call now at 1-913-276-4017, easily get up to 12 rates over the phone in minutes. For Unadilla, NE Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

68454 Home Insurance Average Premiums

Local 68454 homeowners insurance quotes comparison

$911 /yr.

Shows Zip Code: 68454 lowest rates with discounts applied on average.

For the 68454, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$911 /yr.
Average Coverage:$1161 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1461 /yr.

What is the average home insurance cost for a home in 68454?

  • • The average homeowners insurance premium paid annually for a home in 68454 is around $1161 per year.

What does it cost on average per month for home insurance in 68454?

  • • Homeowners in 68454 pay a monthly average cost per month around $97.00.

What kind of discount could I get if I combine my home and auto insurance together in 68454?

  • • Autoowners in 68454 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Unadilla area, check out other zip codes nearby 68454.
Review average rates in another zip code:
68454 homeowners insurance rates

Home Replacement Cost Coverage in 68454

Average Building Cost Per Square Foot in 68454: $140

Location: Unadilla, Nebraska (Otoe County)

Average Square Footage in 68454: 1,106 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68454 before you start any project. Unadilla homeowners pay on average around $140 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 68454 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 68454 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,106 sq. ft. and the average cost to rebuild the home in this area is around $140 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Unadilla area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1401,106$154,800
Additional Upgrades & Added Features$1751,106$193,500
Major Home Updates or Advancements$2101,106$232,200

It's important to understand that when you estimate your replacement cost of your home in the 68454 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 68454

Best Home & Auto Insurance Agencies in 68454

Housing Demographics for 68454

Population Review for 68454 Zip Code

For the city of Unadilla, the population within 68454 has increased to over 682 residents in population size. The current population total is 748. We have broken down the population based on race below. In 68454, there are over 377 in male population and 371 females.

PopulationValues
Total Population748
White Population708
Black Population0
Hispanic Population19
Asian Population1
Hawaiian Population0
Indian Population0
Other Population6
Male Population377
Female Population371
Population Estimate682

Household Data for 68454

The average number of homes in 68454 is around 275, there are an average of 2.72 per household. The average house value according to local real estate values is around $154,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode275
Persons Per Household2.72
Average House Value$154,800
Income Per Household$74861
Median Age43.6
Median Age Male45.5
Median Age Female41.6
68454 DetailsValues
StateNE
State Full NameNebraska
City TypeP
City Alias Abbreviation
Area Code402
CityUnadilla
City Alias NameUNADILLA
CountyOtoe
County FIPS131
State FIPS31
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses10
Number Of Employees41
Business First Quarter Payroll327
Business Annual Payroll1481
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District01|03
Congressional LandArea8879.02|67435.41
Delivery Residential251
Delivery Business2
Delivery Total310
Preferred Last Line KeyW1A369
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW1A369
Land Area56.861000
Water Area0.037000
City Alias Code
City Mixed CaseUnadilla
City Alias Mixed CaseUnadilla
Box Count49
SFDU218
MFDU0
State ANSI31
County ANSI131
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number309120
Unique ZIP Name
SSA State County Code28650
Medicare CBSA Code99928
Medicare CBSA NameRural Areas in NE
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseOtoe

Nebraska Homeowners Insurance News & Information

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    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]