Average homeowners insurance cost in Bellevue, NE

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In Bellevue, homeowners pay an average annual rate of $4,255 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,673 more than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Bellevue depends on various factors, such as:

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

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Bellevue, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Bellevue.

Key takeaways

The average cost of homeowners insurance in Bellevue is $4,255 per year.
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 just have to pay $645 more a year for home insurance.

Average homeowners insurance cost in Bellevue per month

Bellevue homeowners pay an average of $355 a month, based on our rate analysis. It’s $44 less than the state average of $399 and $140 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Bellevue may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Bellevue

The average cost of homeowners insurance in Bellevue, NE is $3,610 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Bellevue

According to a rate analysis by Insure.com, homeowners in Bellevue pay an average of $4,255 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $645 more a year for home insurance. It would be best to buy enough insurance to cover the full 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

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Bellevue. It’s average annual rate for homeowners in Bellevue is $3,074.

American Family, ranks second and Iowa Farm bureau makes it to the third spot with an average annual home insurance rate of $4,076.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Bellevue and compiled a list of the most affordable home insurance companies.

Below are details of Bellevue home insurance companies 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

Methodology

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