Get multiple home insurance quotes in 68878. Our licensed 68878, NE agents are ready to serve you.

68878 Home Insurance Rates

For homeowners living in 68878, the population estimates are increasing to well over 400 with 173 occupied homes within the zip code of 68878. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Sumner have increased and the average home insurance premium is around $1,198 per year in 68878. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 68878 zip code today so we can help you find affordable Sumner, NE home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 68878

Please select one of the three options below based on your 68878 zip code to learn more about Nebraska homeowners insurance, plus review average rates and information per state, county or city.

  1. Nebraska Homeowners Insurance Quotes
  2. Dawson County, NE Home Insurance
  3. Sumner, NE Home Insurance Quotes

68878 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 68878 zip code just got easier with GetHomeInsuranceQuotes.com of Sumner, NE. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 68878 today and let us help you review the best home insurance quotes available for homeowners living in Sumner.

Get 68878 Homeowners Insurance Rates Now!

68878 Home Insurance Average Premiums

Local 68878 homeowners insurance quotes comparison

$948 /yr.

Shows Zip Code: 68878 lowest rates with discounts applied on average.

For the 68878, 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)
$948 /yr.
Average Coverage:$1198 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1498 /yr.

What is the average home insurance cost for a home in 68878?

  • • The average homeowners insurance premium paid annually for a home in 68878 is around $1198 per year.

What does it cost on average per month for home insurance in 68878?

  • • Homeowners in 68878 pay a monthly average cost per month around $100.00.

What kind of discount could I get if I combine my home and auto insurance together in 68878?

  • • Autoowners in 68878 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 Sumner area, check out other zip codes nearby 68878.
Review average rates in another zip code:
68878 homeowners insurance rates

Home Replacement Cost Coverage in 68878

Average Building Cost Per Square Foot in 68878: $140

Location: Sumner, Nebraska (Dawson County)

Average Square Footage in 68878: 694 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68878 before you start any project. Sumner 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 68878 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 68878 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 694 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 Sumner 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$140694$97,200
Additional Upgrades & Added Features$175694$121,500
Major Home Updates or Advancements$210694$145,800

It's important to understand that when you estimate your replacement cost of your home in the 68878 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 68878

Best Home & Auto Insurance Agencies in 68878

Housing Demographics for 68878

Population Review for 68878 Zip Code

For the city of Sumner, the population within 68878 has increased to over 279 residents in population size. The current population total is 400. We have broken down the population based on race below. In 68878, there are over 212 in male population and 188 females.

PopulationValues
Total Population400
White Population374
Black Population1
Hispanic Population27
Asian Population0
Hawaiian Population1
Indian Population0
Other Population10
Male Population212
Female Population188
Population Estimate279

Household Data for 68878

The average number of homes in 68878 is around 173, there are an average of 2.31 per household. The average house value according to local real estate values is around $97,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode173
Persons Per Household2.31
Average House Value$97,200
Income Per Household$78333
Median Age45.7
Median Age Male46.3
Median Age Female45.3
68878 DetailsValues
StateNE
State Full NameNebraska
City TypeP
City Alias Abbreviation
Area Code308
CitySumner
City Alias NameSUMNER
CountyDawson
County FIPS047
State FIPS31
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA30420
CBSA_DIV
CBSA_TypeMicro
CBSA_NameLexington, NE
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees28
Business First Quarter Payroll130
Business Annual Payroll618
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population26370
CBSA Division Population0
Congressional District03
Congressional LandArea67435.41
Delivery Residential121
Delivery Business1
Delivery Total203
Preferred Last Line KeyW1A333
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW1A333
Land Area121.979000
Water Area0.035000
City Alias Code
City Mixed CaseSumner
City Alias Mixed CaseSumner
Box Count51
SFDU121
MFDU0
State ANSI31
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number308670
Unique ZIP Name
SSA State County Code28230
Medicare CBSA Code99928
Medicare CBSA NameRural Areas in NE
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseDawson

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 […]