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2024

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Best Homeowners Insurance Agencies in Lincoln, NE

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Lincoln Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

159Reviewed

102Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

501 N 46th St., Lincoln, NE 68503
WebsiteLicense: 100293132

Expertise.com Rating

Why choose this provider?

Omega Insurance Group is a locally owned and operated agency that serves individuals and families in Lincoln and the nearby areas. Its professional insurance team has over 50 years of combined experience. They help clients obtain adequate homeowners' insurance policies to cover them against financial loss in case of accidental damage, theft, or destruction of their home and liability and medical payments if guest injuries happen on the client's premises. The agency also offers auto and life insurance policies, as well as Medicare Supplements.

  • Homeowners

4331 North 156th Street, Omaha, NE 68116

Expertise.com Rating

Review Sources

Facebook
5.0 (24)
Google
4.9 (9)

Why choose this provider?

Ellerbrock-Norris is an insurance agency based in the Lincoln metro that handles homeowners policies. The company's agents work personally with all clients and create customized homeowner policies to match the needs and budgets of individuals and families, and they work with multiple carriers to find optimal plans that offer total coverage. In addition to homeowners insurance, Ellerbrock-Norris offers assistance with excess liability umbrella insurance, auto insurance, renters insurance, and valuable items insurance.

  • Multiple Policy Types

2337 S 13th St, Lincoln, NE 68502

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Buethe & Associates Insurance Agency in Lincoln, Nebraska, helps homeowners determine the amount of home insurance they need and then compares rates for them from leading national carriers. Most policies provide needed loss coverage due to perils such as fire, theft, and vandalism both inside and outside the home and on the property. Liability protection from accidents and injuries occurring on-site is generally also included. The agency also writes renters, auto, life, and business insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types

6710 L Street Suite 110, Lincoln, NE 68510

Expertise.com Rating

Review Sources

Google
4.9 (160)
Facebook
4.4 (20)

Why choose this provider?

Genny Noerrlinger provides State Farm homeowners' insurance coverage to her local community of Lincoln and its environs. Genny, who has been an insurance professional since 2002, also offers life insurance, policies to cover vehicles and rented properties, and pet insurance. Her office employs personalized customer care—from furnishing initial quotes to processing claims—in helping policyholders protect their assets. Genny has received the Chartered Property Casualty Underwriter certification for her work in property insurance and risk management.

  • Renter's Insurance

1640 L Street, Suite A, Lincoln, NE 68508

Expertise.com Rating

Review Sources

Google
4.7 (22)

Why choose this provider?

Copple Insurance Agency, Inc., is a local independent business that has been serving clients in Lincoln since 1933. It offers homeowners' insurance policies that protect clients' homes and belongings from harm and lawsuits that arise from homeownership. Its agents keep themselves updated on industry trends, coverages, and techniques through continuing education. The insurance agency has been serving roughly 1,700 individuals and families, and more than 600 businesses across the U.S., ranging from one-person operations to organizations with more than 300 vehicles and employees.

  • Homeowners

1501 Pine Lake Road, Lincoln, NE 68512
WebsiteLicense: 100227720

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (11)

Why choose this provider?

Walters Insurance serves clients in the Lincoln area, providing a variety of insurance policies to help people prepare for unforeseen events in the future. It offers a range of homeowners' insurance policies that cover personal possessions, loss of use, dwellings, and other structures. The agency also provides risk insurance coverages for life, umbrella, and auto. Its owner, Marc Walters, is backed by his 10-year experience in the finance industry. He is committed to serving his clients while prioritizing the importance of integrity.

  • Homeowners

3325 A St, Lincoln, NE 68510
WebsiteLicense: 2082787

Expertise.com Rating

Review Sources

Google
4.7 (65)
Yelp
5.0 (1)

Why choose this provider?

Brokers Insurance Agency serves Lincoln and the surrounding areas. It specializes in helping individuals protect their families, possessions, and residential properties by offering homeowners' insurance products. This insurance covers the replacement expenses of items damaged in the clients' homes due to fire and catastrophic incidents. Partnering with American Modern, Safeco Insurance, and Hagerty, the company also carries life, motorcycle, and employee benefits insurance products. Its owner, Ken Richards, is an independent insurance agent who has been in the industry since 1994.

  • Homeowners

6221 S 58th St Ste E, Lincoln, NE 68516

Expertise.com Rating

Review Sources

Google
4.9 (38)
Facebook
4.9 (16)

Why choose this provider?

Family-owned and operated Watts Insurance Group has helped Lincoln, Nebraska, area residents protect their investments with home insurance since 2011. Its experienced staff assesses each client's risk and provides multiple quotes for the appropriate property, liability, and loss of use coverage. Watts Insurance Group has earned the designation of Endorsed Local Provider, a network of reliable, trustworthy, and skilled local professionals who are held accountable and can be referred by personal finance expert Dave Ramsey.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

3600 Village Dr., Suite 140, Lincoln, NE 68516
WebsiteLicense: 100244862

Expertise.com Rating

Review Sources

Google
4.9 (78)
Facebook
5.0 (28)

Why choose this provider?

Covenant Insurance Services is an independent agency serving the Lincoln metro. It offers a selection of personal insurance policies, helping families and individuals acquire homeowners' coverages. The company also accommodates clients who want to obtain life, renters', auto, umbrella, and flood insurance. It works with various insurance carriers, such as Progressive, Travelers, and Nationwide. Covenant Insurance Services brings over 50 years of combined industry experience. Founder and co-owner Brian Bradley established the company in 2016 after working for another insurance firm for seven years.

  • Homeowners

8531 Lexington Ave. Ste. 102, Lincoln, NE 68505
WebsiteLicense: 100180325

Expertise.com Rating

Review Sources

Google
4.4 (35)
Facebook
5.0 (13)
Yelp
5.0 (1)

Why choose this provider?

Ogden Insurance Agency, Inc., provides risk management solutions from its office in Lincoln. Its team of independent risk advisors writes various types of policies, including those that protect homeowners, renters, and mobile homeowners. They also provide insurance for owners of vacant and high-risk dwelling places along with clients that drive classic cars, travel trailers, and scooters. The insurance professionals have access to plans from multiple providers such as Progressive and Hagerty. Ogden Insurance Agency also serves Iowa residents.

  • Renter's Insurance
  • Homeowners

3100 O St Ste 3, Lincoln, NE 68510

Expertise.com Rating

Review Sources

Google
4.7 (63)
Yelp
5.0 (1)

Why choose this provider?

Richards Insurance Agency provides home insurance services throughout the Lincoln, Nevada, metro area. The company was established in 1994 and frequently assists clients with new home insurance policies, which are often mandated by mortgage companies as a requirement of financing real estate purchases. In this role, the agency regularly educates new home owners on areas of coverage including structural damage, personal injury, personal belongings, and liability. Clients can also receive assistance for auto or life insurance needs.

  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types

700 R St. #311, Lincoln, NE 68501

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Complete Insurance is a Lincoln-based agency that helps protect the assets of residential property owners in the area. Its homeowners' insurance provides a six-part coverage, including dwelling, other structures, personal property, loss of use, personal liability, and medical payments. The company also offers business owners' policies, auto, renters', and health and life insurance. It has affiliations with Midwest Insurance Agency Alliance and Strategic Insurance Agency Alliance. Complete Insurance has been in the industry for over six years.

  • Multiple Carriers

604 Seward St, Seward, NE 68434

Expertise.com Rating

Review Sources

Google
4.8 (6)

Why choose this provider?

Kirby Roth Insurance is a family-owned and operated insurance agency serving the community of Seward, Nebraska, and the surrounding cities. The company works with major insurance providers, such as Nationwide, Auto Owners, and North Star Mutual, to offer its clients a variety of options when shopping for new insurance. The agency sells policies for homes as well as auto, farm, business, health, and life insurance.

  • Renter's Insurance
  • Condos
  • Multiple Carriers

710 S Burlington, Hastings, NE 68901

Expertise.com Rating

Review Sources

Google
4.9 (8)

Why choose this provider?

Klein Insurance Inc. delivers policies that protect against harm to homes, vehicles, crops, and commercial assets. It has umbrella plans over multiple contingencies and classes of insurable properties. Klein Insurance was established in 1959 and is an independent agency that partners with established providers, such as Farmers Mutual, Great American, and Dairyland.

  • Policy Bundle Discount

6101 Havelock Avenue Suite 3, Lincoln, NE 68507
WebsiteLicense: 16442120

Expertise.com Rating

Review Sources

Google
4.8 (45)
Facebook
5.0 (5)

Why choose this provider?

Based in Lincoln, Seth Engebritson is an insurance agent under State Farm with over 15 years of experience in the industry. He helps homeowners secure insurance plans that allow them to finance the repair needs for damages caused by fires, theft, accidents, or natural hazards. These policies also include liability coverage for guests who have incurred injuries while inside the policyholders' properties. Other insurance products such as auto, pet, health, and life insurance are also offered. In addition to insurance services, Engebritson provides notary services.

  • Homeowners

4700 Normal Blvd, Lincoln, NE 68506
WebsiteLicense: 17465793

Expertise.com Rating

Review Sources

Google
4.9 (104)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Drew Edmond is a State Farm insurance agent serving clients in Lincoln and the surrounding areas. He offers homeowners' insurance that protects clients' homes and their valuables from risks. He has been a State Farm agent since 2014. The agency also provides insurance products for automobiles, renters, and small business owners. Drew is committed to establishing a personal relationship with his clients and educating them on the risks that they face on a daily basis.

  • Renter's Insurance
  • Condos
  • Multiple Policy Types

4727 N 26th St Ste B, Lincoln, NE 68521

Expertise.com Rating

Review Sources

Google
4.4 (8)
Facebook
5.0 (5)

Why choose this provider?

All Nebraska Insurance, a local independent insurance company located in Lincoln, Nebraska, represents over 30 insurance companies. The company provides home insurance policies from a range of underwriters for every situation and need. Owner Becky Phillip has over 10 years of experience in the insurance industry. All Nebraska Insurance attributes its high percentage of repeat customers and referrals to its commitment to customer needs. It also provides home and business insurance policies.

  • Renter's Insurance
  • Earthquake
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Omega Insurance Group
501 N 46th St., Lincoln, NE 68503
Ellerbrock-Norris
4331 North 156th Street, Omaha, NE 68116
Buethe & Associates Insurance Agency
2337 S 13th St, Lincoln, NE 68502
Genny Noerrlinger
6710 L Street Suite 110, Lincoln, NE 68510
Copple Insurance Agency, Inc.
1640 L Street, Suite A, Lincoln, NE 68508
Walters Insurance
1501 Pine Lake Road, Lincoln, NE 68512
Brokers Insurance Agency
3325 A St, Lincoln, NE 68510
Watts Insurance Group, Inc.
6221 S 58th St Ste E, Lincoln, NE 68516
Covenant Insurance Services
3600 Village Dr., Suite 140, Lincoln, NE 68516
Ogden Insurance Agency, Inc.
8531 Lexington Ave. Ste. 102, Lincoln, NE 68505
Richards Insurance Agency
3100 O St Ste 3, Lincoln, NE 68510
Complete Insurance
700 R St. #311, Lincoln, NE 68501
Kirby Roth Insurance
604 Seward St, Seward, NE 68434
Klein Insurance Inc
710 S Burlington, Hastings, NE 68901
Seth Engebritson
6101 Havelock Avenue Suite 3, Lincoln, NE 68507
Drew Edmond
4700 Normal Blvd, Lincoln, NE 68506
ALL Nebraska insurance
4727 N 26th St Ste B, Lincoln, NE 68521

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Can your homeowners' insurance policy in Lincoln cover structures that are detached from your property?

    Yes, a standard homeowners' insurance policy in Lincoln covers other structures, including detached garages, fences, and sheds. Your tools and sporting equipment that you store in your garage will also be covered by this policy. But take note that not everything in your garage will be covered, such as vintage and collector cars, and you will need to purchase a separate policy to cover these items.

  • When should you add an umbrella coverage to your Lincoln homeowners' insurance policy?

    The right time to add umbrella coverage is the moment you purchase a homeowners' insurance policy, so you'll know that you will have enough protection in case you face higher liability risk in the future. You may also decide to add umbrella coverage separately at a later time in various situations, such as installing a pool or trampoline, having frequent visitors, or getting a dog.

  • What are the important details that you should know about your homeowners' insurance policy in Lincoln?

    If you have homeowners' insurance in Lincoln, you need to read your policy carefully to be aware of the amount of coverage you have on your home and belongings. You should also know what types of damage your insurance covers as well as their limits. If you own a dog, take note that there are certain dog breeds that insurers ban. As such, you need to make sure that your dog is not on the list, or you risk having a higher insurance rate.

  • How important is equipment breakdown coverage to your homeowners' insurance in Lincoln?

    Equipment breakdown is one of the most common types of coverage that you will see in your homeowners' insurance policy in Lincoln. This policy can cover both mechanical and electrical breakdowns of the equipment in your home due to uncontrollable circumstances like electrical damage resulting from motor burnouts or artificially generated electrical surges. However, if the equipment is damaged due to poor maintenance, neglect, or normal wear and tear, the repair cost will not be covered by this policy.

  • Will your homeowners' insurance in Lincoln cover the expenses for repairing damaged service lines in your home?

    Yes, you will be free from paying costly repair expenses for damaged service lines in your home in Lincoln since this coverage is included in your homeowners' insurance policy. This will pay for the expenses of replacing water pipes and cable lines, as well as excavating and repairing underground wiring and piping.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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