Compare quotes for your home in 68516! Compare the best 12 carriers in minutes.
68516 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 68516? Our rates are very competitive for homeowners living in Lincoln, NE. Many homeowners based out of your 68516 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Nebraska licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 68516 should appear in the zip code field ready to go. For Lincoln, NE Home Insurance Rate Quotes click to review the best rates and service online!
68516 Average Premium is Rated: Very High!
Homeowners living in 68516 can easily save up to 40% off the average home insurance premium of $1158 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Lincoln that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 68516 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!
68516 Home Insurance Average Premiums
$908 /yr.
Shows Zip Code: 68516 lowest rates with discounts applied on average.
For the 68516, 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) | $908 /yr. |
| Average Coverage: | $1158 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1458 /yr. |
What is the average home insurance cost for a home in 68516?
- • The average homeowners insurance premium paid annually for a home in 68516 is around $1158 per year.
What does it cost on average per month for home insurance in 68516?
- • Homeowners in 68516 pay a monthly average cost per month around $97.00.
What kind of discount could I get if I combine my home and auto insurance together in 68516?
- • Autoowners in 68516 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 Lincoln, check out other zip codes nearby 68516.
To review average rates in another zip code, click on a zip code below:
68507 | 68506 | 68528 | 68505 | 68504 | 68526 | 68502 | 68524 | 68516 | 68522 |
Home Replacement Cost Coverage in 68516
Average Building Cost Per Square Foot in 68516: $140
Location: Lincoln, Nebraska (Lancaster County)Average Square Footage in 68516: 1,929 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 68516 before you start any project. Lincoln 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 68516 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 68516 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,929 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 Lincoln 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $140 | 1,929 | $270,100 |
| Additional Upgrades & Added Features | $175 | 1,929 | $337,625 |
| Major Home Updates or Advancements | $210 | 1,929 | $405,150 |
It's important to understand that when you estimate your replacement cost of your home in the 68516 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 68516
Best Home & Auto Insurance Agencies in 68516
Vermeer, David Agent - Cornerstone Financial Service
Address: 6100 S 58th St, Ste 5-2 Lincoln, NE 68516Phone:
Website: http://www.myserviceprofile.com/InsuranceServicesinLincolnNE68516.htm
Info:
Mid-Alliance Insurance Associates LLC
Address: 5600 S 48th St, Ste 114 Lincoln, NE 68516Phone:
Website: http://www.lincoln.citysearch.com/profile/666599000/lincoln_ne/mid_alliance_insurance_associates_llc.html
Info:
State Farm Insurance
Address: 8421 Amber Hill Ct, Ste 1 Lincoln, NE 68516Phone:
Website: http://www.galebreed.com/
Info:
Gale E Breed Jr Insurance
Address: 8421 Amber Hill Ct, #1 Lincoln, NE 68516Phone:
Website: http://www.lincoln.citysearch.com/profile/46271521/lincoln_ne/gale_e_breed_jr_insurance.html
Info:
Bond, Jeff - Shelter Insurance
Address: 5801 S 58th St, #aa2 Lincoln, NE 68516Phone:
Website: http://www.shelterinsurance.com/CA/agent/search/NE
Info:
Housing Demographics for 68516
Population Review for 68516 Zip Code
For the city of Lincoln, the population within 68516 has increased to over 50,830 residents in population size. The current population total is 47,448. We have broken down the population based on race below. In 68516, there are over 23021 in male population and 24427 females.
| Population | Values |
|---|---|
| Total Population | 47,448 |
| White Population | 41312 |
| Black Population | 933 |
| Hispanic Population | 1983 |
| Asian Population | 1720 |
| Hawaiian Population | 19 |
| Indian Population | 162 |
| Other Population | 589 |
| Male Population | 23021 |
| Female Population | 24427 |
| Population Estimate | 50830 |
Household Data for 68516
The average number of homes in 68516 is around 18,961, there are an average of 2.49 per household. The average house value according to local real estate values is around $270,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 18,961 |
| Persons Per Household | 2.49 |
| Average House Value | $270,100 |
| Income Per Household | $92651 |
| Median Age | 39.0 |
| Median Age Male | 37.9 |
| Median Age Female | 40.0 |
| 68516 Details | Values |
|---|---|
| State | NE |
| State Full Name | Nebraska |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 402 |
| City | Lincoln |
| City Alias Name | LINCOLN |
| County | Lancaster |
| County FIPS | 109 |
| State FIPS | 31 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 4360 |
| PMSA | |
| CSA | 339 |
| CBSA | 30700 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Lincoln, NE |
| MSA_Name | Lincoln, NE MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1356 |
| Number Of Employees | 15797 |
| Business First Quarter Payroll | 150591 |
| Business Annual Payroll | 649550 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 302157 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 8879.02 |
| Delivery Residential | 20414 |
| Delivery Business | 1027 |
| Delivery Total | 20661 |
| Preferred Last Line Key | W19933 |
| Classification Code | |
| Multi-County | |
| CSA Name | Lincoln-Beatrice, NE |
| CBSA_DIV_Name | |
| City State Key | W19933 |
| Land Area | 18.917000 |
| Water Area | 0.033000 |
| City Alias Code | |
| City Mixed Case | Lincoln |
| City Alias Mixed Case | Lincoln |
| Box Count | 0 |
| SFDU | 8023 |
| MFDU | 1511 |
| State ANSI | 31 |
| County ANSI | 109 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 305160 |
| Unique ZIP Name | |
| SSA State County Code | 28540 |
| Medicare CBSA Code | 30700 |
| Medicare CBSA Name | Lincoln, NE |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Lancaster |
Nebraska Homeowners Insurance News & Information
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How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025
According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common. In a recent AOL.com article, Paul Burns commented on how he had […]
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5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025
Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]
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Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025
According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year. The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]