Home Insurance in Papillion, NE

Learn important facts about home insurance in Papillion, NE.
Compare, shop and customize quotes from top-rated insurance carriers.

Demographic and Economic Statistics

Papillion's population is 23,794. according to the U.S. Census Bureau's 2022 estimates. Its median household income was $95,293 in 2021, rising by 5.88% since 2020. The city's top five industries are healthcare, education, retail trade, professional services and finance. Local educational institutions include the University of Nebraska Omaha and Metropolitan Community College. 

Papillion Homeownership Statistics

Homeownership rates are high in Papillion, with 71.7% of residents owning their dwellings. Single-family homes comprise 77.2% of Papillion residences. The city's average home value is $282,999, increasing by 4.84% in the last 12 months. With such a significant investment, you must protect it with home insurance in Papillion, NE. VIU by HUB is a simple-to-use platform for comparing rates and policy options. 

Facts About Papillion Home Insurance

Home insurance policies typically cover building structures and their contents. Your home insurance policy includes four important parts:

  • Structure: Buildings on your property, including garages, sheds and gazebos
  • Personal effects: Furniture, electronics, appliances and other personal property
  • Additional living expenses: Lodging, meals and related expenses incurred if you must stay away from home due to a covered loss
  • Liability: Bodily injury and property damage to others by household members

A standard home policy covers damage from most weather events, including storms, hail, lightning, falling objects, high winds and tornadoes. It also pays for fire and smoke damage claims as well as deliberate acts such as vandalism, theft, malicious mischief and civil unrest.

Weather-Related Risks in Papillion

Papillion is located in "Tornado Alley," a region with a higher-than-average risk of tornadoes. HomeFacts reveals that the city has a very high tornado risk, with 138 twisters since 1950. The community has an average of two tornadoes per year. Key contributing risk factors include the merging of warm moist air from the Gulf with cool dry Canadian air, resulting in wind direction and speed changes that form a fast-spinning column of air.

Papillion Home Insurance Rates

Papillion homeowners pay an average annual rate of $2,940 for insurance. While this figure is lower than the state's typical yearly cost, it's much higher than the national annual average of $1,820. Area homeowners who prefer monthly premiums pay an average of $245. 

Several variables impact the cost of home insurance in Papillion, NE. Higher risks of climate-related events such as tornadoes can significantly increase premiums. Individual factors, such as the home's age, value and condition, are also key. Finally, a homeowner's credit score and claims history affect insurance costs. 

Choosing Your Coverage Wisely

Whether you're a first-time homeowner or changing coverage on an existing residence, selecting coverage that meets your needs and budget is vital. VIU by HUB is a user-friendly digital platform that helps you find home insurance in Papillion, NE. Use it to obtain quotes from a wide range of carriers. You can also examine policies, add coverage options, bundle multiple policies and purchase your insurance package all in one place. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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