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68956, NE Home Insurance

In the zip code of 68956, the population size is around 1,246, which consists of 466 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Kenesaw, NE. A few years ago, a study was done and found that the average home insurance rates for Nebraska are around $1,173 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 68956 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Kenesaw. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-913-276-4017 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Kenesaw, NE Homeowners Insurance Online Rates Today!

68956 Home Insurance Average Premiums

Local 68956 homeowners insurance quotes comparison

$923 /yr.

Shows Zip Code: 68956 lowest rates with discounts applied on average.

For the 68956, 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)
$923 /yr.
Average Coverage:$1173 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1473 /yr.

What is the average home insurance cost for a home in 68956?

  • • The average homeowners insurance premium paid annually for a home in 68956 is around $1173 per year.

What does it cost on average per month for home insurance in 68956?

  • • Homeowners in 68956 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 68956?

  • • Autoowners in 68956 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 Kenesaw area, check out other zip codes nearby 68956.
Review average rates in another zip code:
68956 homeowners insurance rates

Home Replacement Cost Coverage in 68956

Average Building Cost Per Square Foot in 68956: $140

Location: Kenesaw, Nebraska (Adams County)

Average Square Footage in 68956: 1,043 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68956 before you start any project. Kenesaw 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 68956 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 68956 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,043 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 Kenesaw 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$1401,043$146,000
Additional Upgrades & Added Features$1751,043$182,500
Major Home Updates or Advancements$2101,043$219,000

It's important to understand that when you estimate your replacement cost of your home in the 68956 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 68956

Best Home & Auto Insurance Agencies in 68956

Housing Demographics for 68956

Population Review for 68956 Zip Code

For the city of Kenesaw, the population within 68956 has increased to over 647 residents in population size. The current population total is 1,246. We have broken down the population based on race below. In 68956, there are over 614 in male population and 632 females.

PopulationValues
Total Population1,246
White Population1191
Black Population1
Hispanic Population30
Asian Population11
Hawaiian Population0
Indian Population4
Other Population11
Male Population614
Female Population632
Population Estimate647

Household Data for 68956

The average number of homes in 68956 is around 466, there are an average of 2.54 per household. The average house value according to local real estate values is around $146,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode466
Persons Per Household2.54
Average House Value$146,000
Income Per Household$70547
Median Age42.4
Median Age Male43.7
Median Age Female41.3
68956 DetailsValues
StateNE
State Full NameNebraska
City TypeP
City Alias Abbreviation
Area Code402/531
CityKenesaw
City Alias NameKENESAW
CountyAdams
County FIPS001
State FIPS31
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA25580
CBSA_DIV
CBSA_TypeMicro
CBSA_NameHastings, NE
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses27
Number Of Employees146
Business First Quarter Payroll905
Business Annual Payroll5063
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population37906
CBSA Division Population0
Congressional District03
Congressional LandArea67435.41
Delivery Residential255
Delivery Business1
Delivery Total529
Preferred Last Line KeyW19898
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW19898
Land Area95.071000
Water Area0.002000
City Alias Code
City Mixed CaseKenesaw
City Alias Mixed CaseKenesaw
Box Count227
SFDU255
MFDU0
State ANSI31
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number304815
Unique ZIP Name
SSA State County Code28000
Medicare CBSA Code99928
Medicare CBSA NameRural Areas in NE
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseAdams

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 […]