Get multiple home insurance quotes in 68528. Our licensed 68528, NE agents are ready to serve you.

Compare 68528 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 68528 area? The average homeowners premium in Nebraska for a standard homeowners policy is around $1,229/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 68528 zip code, the population size is around 6,929 with 2,741 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 68528.

Please give us a call now at 1-913-276-4017, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Lincoln, NE Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. NE RateDiscountsSavingsShop Rates
$1,586up to 40% off$634

68528 Home Insurance Average Premiums

Local 68528 homeowners insurance quotes comparison

$979 /yr.

Shows Zip Code: 68528 lowest rates with discounts applied on average.

For the 68528, 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)		$979 /yr.
Average Coverage:$1229 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1529 /yr.

What is the average home insurance cost for a home in 68528?

  • • The average homeowners insurance premium paid annually for a home in 68528 is around $1229 per year.

What does it cost on average per month for home insurance in 68528?

  • • Homeowners in 68528 pay a monthly average cost per month around $102.00.

What kind of discount could I get if I combine my home and auto insurance together in 68528?

  • • Autoowners in 68528 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 68528.
Review average rates in another zip code:
68521 homeowners insurance rates
68514 homeowners insurance rates
68527 homeowners insurance rates
68510 homeowners insurance rates
68523 homeowners insurance rates
68507 homeowners insurance rates
68503 homeowners insurance rates
68522 homeowners insurance rates
68526 homeowners insurance rates
68524 homeowners insurance rates

Home Replacement Cost Coverage in 68528

Average Building Cost Per Square Foot in 68528: $140

Location: Lincoln, Nebraska (Lancaster County)

Average Square Footage in 68528: 1,261 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68528 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 68528 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 68528 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,261 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$1401,261$176,500
Additional Upgrades & Added Features$1751,261$220,625
Major Home Updates or Advancements$2101,261$264,750

It's important to understand that when you estimate your replacement cost of your home in the 68528 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 68528

Best Home & Auto Insurance Agencies in 68528

Roger McGinnis Insurance Incorporated

Address: 6900 W O St Lincoln, NE 68528
Phone:
Website: http://www.lincoln.citysearch.com/profile/6480471/lincoln_ne/roger_mc_ginnis_insurance_inc.html
Info:

Midmex Insurance Inc

Address: 1010 W S St Lincoln, NE 68528
Phone:
Website:
Info:

American Family Insurance- Perry McElhose

Address: 201 Capitol Beach Blvd Lincoln, NE 68528
Phone:
Website: http://www.lincoln.citysearch.com/profile/external/46347668/lincoln_ne/american_family_insurance_perry_mcelhose.html
Info:

Housing Demographics for 68528

Population Review for 68528 Zip Code

For the city of Lincoln, the population within 68528 has increased to over 8,245 residents in population size. The current population total is 6,929. We have broken down the population based on race below. In 68528, there are over 3548 in male population and 3381 females.

PopulationValues
Total Population6,929
White Population5296
Black Population394
Hispanic Population648
Asian Population319
Hawaiian Population7
Indian Population60
Other Population292
Male Population3548
Female Population3381
Population Estimate8245

Household Data for 68528

The average number of homes in 68528 is around 2,741, there are an average of 2.52 per household. The average house value according to local real estate values is around $176,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,741
Persons Per Household2.52
Average House Value$176,500
Income Per Household$68434
Median Age31.2
Median Age Male31.3
Median Age Female31.0
68528 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 Businesses182
Number Of Employees3776
Business First Quarter Payroll49944
Business Annual Payroll216083
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 Residential3272
Delivery Business195
Delivery Total4093
Preferred Last Line KeyW19933
Classification Code
Multi-CountyY
CSA NameLincoln-Beatrice, NE
CBSA_DIV_Name
City State KeyW19933
Land Area16.452000
Water Area0.629000
City Alias Code
City Mixed CaseLincoln
City Alias Mixed CaseLincoln
Box Count0
SFDU1152
MFDU362
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 […]