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68835 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 68835? Our rates are very competitive for homeowners living in Elba, NE. Many homeowners based out of your 68835 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. 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 the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 68835 should appear in the zip code field ready to go. For Elba, NE Home Insurance Rate Quotes click to review the best rates and service online!

68835 Average Premium is Rated: Very High!

Homeowners living in 68835 can easily save up to 40% off the average home insurance premium of $1183 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Elba that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 68835 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 68835!

68835 Home Insurance Average Premiums

Local 68835 homeowners insurance quotes comparison

$933 /yr.

Shows Zip Code: 68835 lowest rates with discounts applied on average.

For the 68835, 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)		$933 /yr.
Average Coverage:$1183 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1483 /yr.

What is the average home insurance cost for a home in 68835?

  • • The average homeowners insurance premium paid annually for a home in 68835 is around $1183 per year.

What does it cost on average per month for home insurance in 68835?

  • • Homeowners in 68835 pay a monthly average cost per month around $99.00.

What kind of discount could I get if I combine my home and auto insurance together in 68835?

  • • Autoowners in 68835 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 Elba area, check out other zip codes nearby 68835.
Review average rates in another zip code:
68835 homeowners insurance rates

Home Replacement Cost Coverage in 68835

Average Building Cost Per Square Foot in 68835: $140

Location: Elba, Nebraska (Howard County)

Average Square Footage in 68835: 717 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68835 before you start any project. Elba 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 68835 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 68835 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 717 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 Elba 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$140717$100,400
Additional Upgrades & Added Features$175717$125,500
Major Home Updates or Advancements$210717$150,600

It's important to understand that when you estimate your replacement cost of your home in the 68835 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 68835

Best Home & Auto Insurance Agencies in 68835

Housing Demographics for 68835

Population Review for 68835 Zip Code

For the city of Elba, the population within 68835 has increased to over 292 residents in population size. The current population total is 430. We have broken down the population based on race below. In 68835, there are over 230 in male population and 200 females.

PopulationValues
Total Population430
White Population413
Black Population1
Hispanic Population7
Asian Population0
Hawaiian Population0
Indian Population2
Other Population2
Male Population230
Female Population200
Population Estimate292

Household Data for 68835

The average number of homes in 68835 is around 197, there are an average of 2.18 per household. The average house value according to local real estate values is around $100,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode197
Persons Per Household2.18
Average House Value$100,400
Income Per Household$55833
Median Age44.2
Median Age Male44.5
Median Age Female43.5
68835 DetailsValues
StateNE
State Full NameNebraska
City TypeP
City Alias Abbreviation
Area Code308
CityElba
City Alias NameELBA
CountyHoward
County FIPS093
State FIPS31
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA24260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Island, NE
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees24
Business First Quarter Payroll157
Business Annual Payroll829
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population72726
CBSA Division Population0
Congressional District03
Congressional LandArea67435.41
Delivery Residential134
Delivery Business4
Delivery Total271
Preferred Last Line KeyW19701
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW19701
Land Area97.406000
Water Area1.092000
City Alias Code
City Mixed CaseElba
City Alias Mixed CaseElba
Box Count81
SFDU133
MFDU0
State ANSI31
County ANSI093
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number302820
Unique ZIP Name
SSA State County Code28460
Medicare CBSA Code24260
Medicare CBSA NameGrand Island, NE
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseHoward

Nebraska Homeowners Insurance News & Information

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    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]