Average homeowners insurance cost in Bellevue, Nebraska

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The average cost of homeowners insurance in Bellevue is $4,255 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,673 more than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Bellevue depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Allstate is the cheapest homeowners insurance company in Bellevue with an average annual premium of $3,074 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Bellevue. Keep reading to learn about the monthly cost of homeowners insurance in Bellevue, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Bellevue.

Key Takeaways

The cost of your homeowners insurance policy in Bellevue can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Bellevue with an average annual premium of $3,074 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $645 more annually for home insurance.

Average homeowners insurance cost in Bellevue per month

Residents of Bellevue pay an average of $355 a month for homeowners insurance. It’s $44 less than the state average of $399 and $140 more than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Bellevue may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Bellevue, NE, homeowners pay an average of $3,610 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house

As per rate analysis by Insure.com, homeowners residing in Bellevue typically pay an average of $4,255 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $645 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Bellevue by company

After comparing several homeowners insurance companies, Allstate offers the lowest rates in Bellevue. Its average annual rate for homeowners in Bellevue is $3,074 , while American Family is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Bellevue and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Bellevue and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$3,074
American Family	$3,483
Iowa Farm bureau	$4,076
State Farm	$4,120
Farmers	$4,157
Farmers Mutual Ins Co of NE	$4,242
Nationwide	$6,987
USAA*	$4,005

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Nebraska that can impact your home insurance

Living in Nebraska comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Nebraska is commonly affected by Winter weather.

How home insurance protects you against natural disasters

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

Check for coverage gaps before it’s too late

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Bellevue for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.