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68883 Home Insurance Rates & Premiums

Did you know there are over 2,194 people living within the 68883 zip code area? There are over 861 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 68883.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-913-276-4017, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Nebraska are on the rise. The estimated average premium is around $1,213 a year for a standard homeowners insurance policy in Wood River. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Wood River, NE Homeowners Insurance Quotes Online

68883 Home Insurance Average Premiums

Local 68883 homeowners insurance quotes comparison

$963 /yr.

Shows Zip Code: 68883 lowest rates with discounts applied on average.

For the 68883, 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)		$963 /yr.
Average Coverage:$1213 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1513 /yr.

What is the average home insurance cost for a home in 68883?

  • • The average homeowners insurance premium paid annually for a home in 68883 is around $1213 per year.

What does it cost on average per month for home insurance in 68883?

  • • Homeowners in 68883 pay a monthly average cost per month around $101.00.

What kind of discount could I get if I combine my home and auto insurance together in 68883?

  • • Autoowners in 68883 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 Wood River area, check out other zip codes nearby 68883.
Review average rates in another zip code:
68883 homeowners insurance rates

Home Replacement Cost Coverage in 68883

Average Building Cost Per Square Foot in 68883: $140

Location: Wood River, Nebraska (Hall County)

Average Square Footage in 68883: 1,011 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68883 before you start any project. Wood River 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 68883 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 68883 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,011 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 Wood River 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$1401,011$141,500
Additional Upgrades & Added Features$1751,011$176,875
Major Home Updates or Advancements$2101,011$212,250

It's important to understand that when you estimate your replacement cost of your home in the 68883 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 68883

Best Home & Auto Insurance Agencies in 68883

Housing Demographics for 68883

Population Review for 68883 Zip Code

For the city of Wood River, the population within 68883 has increased to over 1,762 residents in population size. The current population total is 2,194. We have broken down the population based on race below. In 68883, there are over 1122 in male population and 1072 females.

PopulationValues
Total Population2,194
White Population1897
Black Population7
Hispanic Population305
Asian Population6
Hawaiian Population2
Indian Population8
Other Population160
Male Population1122
Female Population1072
Population Estimate1762

Household Data for 68883

The average number of homes in 68883 is around 861, there are an average of 2.54 per household. The average house value according to local real estate values is around $141,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode861
Persons Per Household2.54
Average House Value$141,500
Income Per Household$64909
Median Age41.4
Median Age Male41.1
Median Age Female41.9
68883 DetailsValues
StateNE
State Full NameNebraska
City TypeP
City Alias Abbreviation
Area Code308
CityWood River
City Alias NameWOOD RIVER
CountyHall
County FIPS079
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 Businesses65
Number Of Employees447
Business First Quarter Payroll5673
Business Annual Payroll24372
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 Residential694
Delivery Business20
Delivery Total985
Preferred Last Line KeyW1A450
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW1A450
Land Area186.119000
Water Area2.914000
City Alias Code
City Mixed CaseWood River
City Alias Mixed CaseWood River
Box Count224
SFDU662
MFDU0
State ANSI31
County ANSI079
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number309900
Unique ZIP Name
SSA State County Code28390
Medicare CBSA Code24260
Medicare CBSA NameGrand Island, NE
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseHall

Nebraska Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • 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 […]