Lincoln Homeowners Insurance

Your Complete Guide to Lincoln, NE Homeowners Insurance

Find the right homeowners insurance policy for you.


As the capital of Nebraska, Lincoln is a busy city with nonstop opportunities for family-friendly entertainment. Over the years, Lincoln, NE has evolved into a melting pot of cultures. The local diversity began to peak when the State Department designated it as a “refugee friendly” city in the 1970s. This city is a wonderful place to settle in and put down roots to raise a family, but be prepared for frequent severe weather. From heavy snowfall to dangerous tornadoes, the threats remain high year-round in Lincoln. That’s why every home needs the protection of a comprehensive Lincoln homeowners insurance policy.

Trusted Choice Independent Insurance Agents will do the hard work for you in your search for reliable homeowners insurance. Instead of your spending hours searching through countless policies, our agents can help you pinpoint the coverages you need most, at a price you can afford.

  • National yearly premium average: $1,034
  • Nebraska yearly premium average: $1,040
  • 17th most expensive premium in the U.S.

Homeowners insurance premiums in Nebraska trend slightly above the national average, making it challenging for homeowners to find affordable insurance. Ultimately, home insurance premiums vary from one property to the next, but they are generally based on the size and location of your home and any high-risk factors like swimming pools or aggressive dog breeds. Trusted Choice Independent Insurance Agents can help you reduce the overall cost of insuring your home by matching you with discounts for bundled coverages and security upgrades.

Lincoln Second Home and Vacation Home Insurance

Lincoln has many advantages and amenities that make it a great place to invest in a second home or vacation property. Having your own little piece of paradise in Nebraska might be a dream come true, but you’ll need the right type of home insurance to safeguard against theft and damage. Trusted Choice Independent Insurance Agents can help you find a Lincoln home insurance policy that is specifically designed to protect your second home investment.


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Number of Thefts in Nebraska

  • National number of burglaries: 37,814
  • Nebraska number of burglaries: 8,900

Lincoln is generally a safe place to live, but burglaries can happen in even the safest of places on occasion. Protect your home by making sure every door has a deadbolt lock and that windows are secured at all times. Outdoor lighting can also help reduce the risk of theft and vandalism. Choosing a comprehensive Lincoln homeowners insurance policy is the ultimate protection for your home. Make sure any policy you choose covers theft so you can easily make a claim and get your precious valuables replaced in the event of a break-in.

Number of Catastrophes in Nebraska

  • Number of catastrophes in Nebraska: 771
  • Number of tornadoes in Nebraska: 38
  • Amount of property damage in Nebraska: $109,960,000
  • 1 in 15 insured homes has a claim each year

Each year, Nebraska residents see plenty of property damage due to natural disasters. With owners reporting over $1.8 billion in property damage, you can’t afford to cut corners on your home insurance. Severe winter storms can leave behind catastrophic damage that is costly to repair. If you have reliable homeowners insurance, then you can simply file a claim and get access to the money you need to repair property damage, with no long waits and no hassle.

What Are the Risks in Lincoln, NE?

Lincoln is considered high risk for tornadoes, with an average of two each year ripping through the city. This city has seen 155 tornadoes since 1950, and many left behind major property damage. Residents are guaranteed to face another big storm, so make sure you are prepared with the best homeowners insurance available.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Compare Lincoln Home Insurance Quotes

Before you select a home insurance plan, make sure you get the lowest rate by comparing quotes. Trusted Choice Independent Insurance Agents make this process easier than ever before by providing custom quotes on many different polices in one convenient place. As a homeowner, this empowers you to make an informed decision on what type of policy fits your needs and budget. Contact a Trusted Choice agent today to start comparing rates on Lincoln home insurance.

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