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If you live in the 68433 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Salem have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our NE licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 68433 and then compare quotes from a variety of nationwide insurance companies.

68433 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 68433 the average premium for homeowners coverage is $1198 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 68433. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 68433 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Salem, NE home insurance quotes in your area.

68433 Home Insurance Average Premiums

Local 68433 homeowners insurance quotes comparison

$948 /yr.

Shows Zip Code: 68433 lowest rates with discounts applied on average.

For the 68433, 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)
$948 /yr.
Average Coverage:$1198 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1498 /yr.

What is the average home insurance cost for a home in 68433?

  • • The average homeowners insurance premium paid annually for a home in 68433 is around $1198 per year.

What does it cost on average per month for home insurance in 68433?

  • • Homeowners in 68433 pay a monthly average cost per month around $100.00.

What kind of discount could I get if I combine my home and auto insurance together in 68433?

  • • Autoowners in 68433 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.

You can easily shop and compare home insurance rates within Salem, check out other zip codes nearby 68433.
To review average rates in another zip code, click on a zip code below:
68433  | 

Home Replacement Cost Coverage in 68433

Average Building Cost Per Square Foot in 68433: $140

Location: Salem, Nebraska (Richardson County)

Average Square Footage in 68433: 301 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68433 before you start any project. Salem 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 68433 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 68433 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 301 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 Salem 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$140301$42,200
Additional Upgrades & Added Features$175301$52,750
Major Home Updates or Advancements$210301$63,300

It's important to understand that when you estimate your replacement cost of your home in the 68433 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 68433

Best Home & Auto Insurance Agencies in 68433

Housing Demographics for 68433

Population Review for 68433 Zip Code

For the city of Salem, the population within 68433 has increased to over 218 residents in population size. The current population total is 193. We have broken down the population based on race below. In 68433, there are over 93 in male population and 100 females.

PopulationValues
Total Population193
White Population187
Black Population0
Hispanic Population2
Asian Population0
Hawaiian Population0
Indian Population3
Other Population1
Male Population93
Female Population100
Population Estimate218

Household Data for 68433

The average number of homes in 68433 is around 93, there are an average of 2.08 per household. The average house value according to local real estate values is around $42,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode93
Persons Per Household2.08
Average House Value$42,200
Income Per Household$41528
Median Age55.2
Median Age Male57.3
Median Age Female54.0
68433 DetailsValues
StateNE
State Full NameNebraska
City TypeN
City Alias Abbreviation
Area Code402
CitySalem
City Alias NameSALEM
CountyRichardson
County FIPS147
State FIPS31
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees3
Business First Quarter Payroll24
Business Annual Payroll131
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District03
Congressional LandArea67435.41
Delivery Residential105
Delivery Business2
Delivery Total107
Preferred Last Line Key004337
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key004337
Land Area54.271000
Water Area0.014000
City Alias Code
City Mixed CaseSalem
City Alias Mixed CaseSalem
Box Count0
SFDU105
MFDU0
State ANSI31
County ANSI147
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number303210
Unique ZIP Name
SSA State County Code28730
Medicare CBSA Code99928
Medicare CBSA NameRural Areas in NE
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseRichardson

Nebraska Homeowners Insurance News & Information

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]