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Homeowners Insurance in 68521

For homeowners living in 68521, you want more affordable home insurance rates in Lincoln, right? Our rates are very competitive for homeowners living in the great city of Lincoln, NE. Many homeowners living in the 68521 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Nebraska licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 68521 should appear in the zip code field ready to go. Comparing Lincoln, NE Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

68521 Home Insurance Costs Are Considered: Very High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Lincoln pay around $1176 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Nebraska home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 68521 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Lincoln homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Nebraska home insurance premium today!

Get 68521 Homeowners Insurance Rates Now!

68521 Home Insurance Average Premiums

Local 68521 homeowners insurance quotes comparison

$926 /yr.

Shows Zip Code: 68521 lowest rates with discounts applied on average.

For the 68521, 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)
$926 /yr.
Average Coverage:$1176 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1476 /yr.

What is the average home insurance cost for a home in 68521?

  • • The average homeowners insurance premium paid annually for a home in 68521 is around $1176 per year.

What does it cost on average per month for home insurance in 68521?

  • • Homeowners in 68521 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 68521?

  • • Autoowners in 68521 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 68521.
Review average rates in another zip code:
68505 homeowners insurance rates
68523 homeowners insurance rates
68502 homeowners insurance rates
68526 homeowners insurance rates
68507 homeowners insurance rates
68532 homeowners insurance rates
68504 homeowners insurance rates
68520 homeowners insurance rates
68522 homeowners insurance rates
68521 homeowners insurance rates

Home Replacement Cost Coverage in 68521

Average Building Cost Per Square Foot in 68521: $140

Location: Lincoln, Nebraska (Lancaster County)

Average Square Footage in 68521: 1,307 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68521 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 68521 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 68521 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,307 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$1401,307$183,000
Additional Upgrades & Added Features$1751,307$228,750
Major Home Updates or Advancements$2101,307$274,500

It's important to understand that when you estimate your replacement cost of your home in the 68521 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 68521

Best Home & Auto Insurance Agencies in 68521

Shawn Kreifels Ins Fin Ser Inc - State Farm Insurance Agent

Address: 5611 NW 1st St Lincoln, NE 68521
Phone:
Website: http://www.lincoln.citysearch.com/profile/external/37165937/lincoln_ne/shawn_kreifels_ins_fin_ser_inc_state_farm_insurance_agent.html
Info:

American Family Insurance- Tim Umshler Agency Incorporated

Address: 4707 N 26th St, #A Lincoln, NE 68521
Phone:
Website: http://www.amfam.com/
Info:

Allstate Insurance Company - Ray Thielen

Address: 4949 N 26th St Lincoln, NE 68521
Phone:
Website: http://www.allstateagencies.com/051658?cid=OTC-YP.com-IYP&att=TL
Info:

Kreifels- Shawn K

Address: 5611 NW 1st St, #102 Lincoln, NE 68521
Phone:
Website:
Info:

American Family Insurance - Jamie N Smith

Address: 4707 N 26th St Lincoln, NE 68521
Phone:
Website: http://www.insurance-agency.amfam.com/ne/jamie-n-smith/default.aspx?sourceid=yp3
Info:

Housing Demographics for 68521

Population Review for 68521 Zip Code

For the city of Lincoln, the population within 68521 has increased to over 39,947 residents in population size. The current population total is 37,251. We have broken down the population based on race below. In 68521, there are over 18657 in male population and 18594 females.

PopulationValues
Total Population37,251
White Population26855
Black Population2064
Hispanic Population4405
Asian Population2908
Hawaiian Population21
Indian Population291
Other Population1806
Male Population18657
Female Population18594
Population Estimate39947

Household Data for 68521

The average number of homes in 68521 is around 14,188, there are an average of 2.62 per household. The average house value according to local real estate values is around $183,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,188
Persons Per Household2.62
Average House Value$183,000
Income Per Household$57270
Median Age31.2
Median Age Male30.2
Median Age Female32.3
68521 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 Businesses660
Number Of Employees14270
Business First Quarter Payroll152313
Business Annual Payroll644120
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 Residential15247
Delivery Business660
Delivery Total16514
Preferred Last Line KeyW19933
Classification Code
Multi-County
CSA NameLincoln-Beatrice, NE
CBSA_DIV_Name
City State KeyW19933
Land Area13.175000
Water Area0.034000
City Alias Code
City Mixed CaseLincoln
City Alias Mixed CaseLincoln
Box Count0
SFDU6067
MFDU3054
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

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    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 […]