Omaha Homeowners Insurance

Your Complete Guide to Omaha, NE Home Insurance

Omaha, NE has been the recipient of numerous awards for its vibrant business community and gorgeous scenery. Kiplinger’s Personal Finance Magazine recognized Omaha as the third best city in America to live, work and play in. Forbes called Omaha the “Best Bang for the Buck” city in the nation. As safe neighborhoods and property values increase, Omaha is a great place to put down roots and raise a family. The only downside is the harsh winter weather and occasional tornado activity. 

If you own a home in Omaha, make sure your property is protected with comprehensive homeowners insurance. If you are searching for reliable, budget-friendly homeowners insurance, our independent insurance agents can help. Our experienced agents specialize in connecting homeowners with affordable coverage options that protect against Omaha’s unique winter weather threats.

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

While home insurance rates in Nebraska trend right around the national average, more affordable premiums are available. Our insurance agents can help you find budget-friendly coverage by providing custom quotes on multiple policies and matching you with discounts for home upgrades, security systems, and bundled coverages.

Omaha, NE Second Home and Vacation Home Insurance

Omaha makes a great choice to purchase a second home or investment property. However, vacation homes face very unique risks, and insuring them can be challenging. Oftentimes, a second home will remain vacant for weeks at a time with no one on site to monitor the condition of the property. This means a tiny plumbing leak can lead to widespread water damage before you even know there is a problem. Our agents can lead you toward the most comprehensive coverage options for second homes in Omaha so that you can rest easy knowing that your investment property is protected even when you are away.

Number of Thefts in Nebraska

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

Nebraska is one of the safest places to live in, in terms of crime, but occasional break-ins and vandalism incidents are reported. Omaha homeowners should take precautions by keeping doors locked and using security systems as an extra safeguard during long absences. The best protection is a reliable Omaha homeowners insurance plan, which pays for repairs if your home is targeted by vandals or thieves.

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 homeowners face hundreds of natural disasters and catastrophes ranging from flash flooding to tornadoes to severe winter storms. With more than $109 million in property damage reported annually in Nebraska, it’s critical that homeowners take action to find reliable home insurance options before the next major storm or natural disaster hits.

What Are the Risks in Omaha, NE?

Omaha’s unpredictable winter weather and high risk for tornadoes can lead to substantial property damage each year. The Weather Channel ranked Omaha as the fifth coldest major U.S. city, and residents see an average of 28.7 inches of snowfall each winter. When spring rolls around, the threat turns to tornadoes, with an average of two per year and 135 on record since 1950. Investing in a trustworthy home insurance plan is a smart way to safeguard your home against natural disasters.

Compare Omaha Home Insurance Quotes

The key to finding the best home insurance policy in Omaha at the most affordable price is to compare quotes.  Our Independent Insurance Agents make this process easier than ever by providing rate quotes on multiple policies in one convenient place. You’ll get a side-by-side comparison of all of your options so that you can select a homeowners insurance policy that works for your budget. 

Contact an agent today to learn more about Omaha home insurance, and get a free customized quote for your property.

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