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Quickly Revew Homeowners Insurance in 68504

If you own a home in Lincoln, NE you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 68504 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Nebraska licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 68504 and start comparing rates now.

68504 Homeowners Insurance Rates Are Considered: very high!

The average rate for a standard homeowners policy in 68504 is $1173 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 68504 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Lincoln, NE home insurance quotes in your local city and review the most competitive coverages and premiums.

68504 Home Insurance Average Premiums

Local 68504 homeowners insurance quotes comparison

$923 /yr.

Shows Zip Code: 68504 lowest rates with discounts applied on average.

For the 68504, 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)
$923 /yr.
Average Coverage:$1173 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1473 /yr.

What is the average home insurance cost for a home in 68504?

  • • The average homeowners insurance premium paid annually for a home in 68504 is around $1173 per year.

What does it cost on average per month for home insurance in 68504?

  • • Homeowners in 68504 pay a monthly average cost per month around $98.00.

What kind of discount could I get if I combine my home and auto insurance together in 68504?

  • • Autoowners in 68504 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 Lincoln area, check out other zip codes nearby 68504.
Review average rates in another zip code:
68508 homeowners insurance rates
68512 homeowners insurance rates
68517 homeowners insurance rates
68514 homeowners insurance rates
68522 homeowners insurance rates
68523 homeowners insurance rates
68507 homeowners insurance rates
68516 homeowners insurance rates
68506 homeowners insurance rates
68510 homeowners insurance rates

Home Replacement Cost Coverage in 68504

Average Building Cost Per Square Foot in 68504: $140

Location: Lincoln, Nebraska (Lancaster County)

Average Square Footage in 68504: 978 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68504 before you start any project. Lincoln 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 68504 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 68504 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 978 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 Lincoln 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$140978$136,900
Additional Upgrades & Added Features$175978$171,125
Major Home Updates or Advancements$210978$205,350

It's important to understand that when you estimate your replacement cost of your home in the 68504 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 68504

Best Home & Auto Insurance Agencies in 68504

American Family Insurance - James L Brown

Address: 4500 Cornhusker Hwy Lincoln, NE 68504
Phone:
Website: http://www.lincoln.citysearch.com/profile/external/604220052/lincoln_ne/american_family_insurance_james_l_brown.html
Info:

Shelter Insurance - Matthew Moorhead

Address: 5540 S St Lincoln, NE 68504
Phone:
Website: http://www.shelterinsurance.com/CA/agent/MATTHEWMOORHEAD
Info:

American Family Insurance - Lon Hollibaugh

Address: 705 N 48th St Lincoln, NE 68504
Phone:
Website: http://www.lincoln.citysearch.com/profile/external/6475002/lincoln_ne/american_family_insurance_lon_hollibaugh.html
Info:

Independent Insurance Representative

Address: 303 N 52nd St Lincoln, NE 68504
Phone:
Website:
Info:

ACE Cash Express

Address: 3255 Cornhusker Hwy Lincoln, NE 68504
Phone:
Website: http://www.lincoln.citysearch.com/profile/664253470/lincoln_ne/ace_cash_express.html
Info:

Housing Demographics for 68504

Population Review for 68504 Zip Code

For the city of Lincoln, the population within 68504 has increased to over 17,143 residents in population size. The current population total is 17,155. We have broken down the population based on race below. In 68504, there are over 8611 in male population and 8544 females.

PopulationValues
Total Population17,155
White Population12877
Black Population1034
Hispanic Population1773
Asian Population809
Hawaiian Population15
Indian Population209
Other Population729
Male Population8611
Female Population8544
Population Estimate17143

Household Data for 68504

The average number of homes in 68504 is around 7,799, there are an average of 2.07 per household. The average house value according to local real estate values is around $136,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,799
Persons Per Household2.07
Average House Value$136,900
Income Per Household$44894
Median Age30.5
Median Age Male30.2
Median Age Female30.8
68504 DetailsValues
StateNE
State Full NameNebraska
City TypeP
City Alias Abbreviation
Area Code402
CityLincoln
City Alias NameLINCOLN
CountyLancaster
County FIPS109
State FIPS31
Time Zone6
Day Light SavingY
MSA4360
PMSA
CSA339
CBSA30700
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLincoln, NE
MSA_NameLincoln, NE MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses539
Number Of Employees9440
Business First Quarter Payroll117290
Business Annual Payroll456413
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population302157
CBSA Division Population0
Congressional District01
Congressional LandArea8879.02
Delivery Residential8282
Delivery Business722
Delivery Total11246
Preferred Last Line KeyW19933
Classification Code
Multi-County
CSA NameLincoln-Beatrice, NE
CBSA_DIV_Name
City State KeyW19933
Land Area6.994000
Water Area0.185000
City Alias Code
City Mixed CaseLincoln
City Alias Mixed CaseLincoln
Box Count86
SFDU3680
MFDU2069
State ANSI31
County ANSI109
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number305160
Unique ZIP Name
SSA State County Code28540
Medicare CBSA Code30700
Medicare CBSA NameLincoln, NE
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseLancaster

Nebraska Homeowners Insurance News & Information

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  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]