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Franklin County, NE Homeowners Insurance Quotes

We can help you shop and compare the best home insurance rates for your home in Franklin County, NE. Our easy to use quoting application helps you review which carriers are most competitive in your area and which coverage option is best for your home, family and financial goals. Let us help you discover more affordable rates in Franklin County.

When reviewing Nebraska home insurance policies, Franklin County residents are finding great ways to save time and money by finding more affordable rates when they shop online. Nebraska may not be considered the most expensive state in the country to purchase home insurance, but it does rank higher than average at a national rank of 9. Homeowners within Franklin County are paying around $1586 for an annual home insurance policy, where the majority of the U.S. population pays around $1,249. The average home insurance rates we just mentioned reflect the cost of a standard (HO-3) homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop and compare competitive rate quotes today! Start a Franklin County home insurance quotes request by entering your zip code or Call Us 1-913-276-4017.

For all Franklin County, NE residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Franklin County? Simply enter your zip code to get your Nebraska homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Franklin County, NE Housing Demographics

With 3,225 residents living within the Franklin County area there are over 1,734 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 926 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Franklin County.

DemographicValues
Total Occupied Households1,406
Family Households (families)926
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units1,734

Franklin County, NE Home Insurance Average Premiums

Local Franklin, NE homeowners insurance quotes comparison

$1,117 /yr.

Nebraska's Average Home Insurance Rates Overall

For the state of Nebraska, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 9 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$730 /yr.
Current Average Cost:$1,117 /yr.
Maximum Range:$1586 /yr.

Nebraska Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

Discounts For Homeowners in Franklin County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Nebraska homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Franklin County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Franklin County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Franklin County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Franklin County Housing & Real Estate Data

Details:Statistics
Total Housing Units1734
Occupied Housing Units1406
Vacant Housing Units328
Vacant Housing Units for Rent35
Vacant Housing Units Rented Not Occupied2
Vacant Housing Units For Sale21
Vacant Housing Units Sold Not Occupied11
Vacant Housing Units For Seasonal Occasional Use45
Vacant Housing Units All Other Vacants214
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units1406
Housing Tenure Occupied Units Owner Occupied1129
Housing Tenure Occupied Units Owner Occupied Population2560
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied277
Housing Tenure Occupied Units Renter Occupied Population606
Housing Tenure Occupied Units Renter Occupied Average Household Size2