HOMEOWNERS INSURANCE IN OMAHA, NE

Omaha Insurance Services is an independent insurance agency. We have been helping Omaha homeowners find the right coverage since 1994. We work with multiple trusted carriers to find the best combination of coverage, price, and service for each homeowner’s situation — with policies built around what actually happens to homes in Nebraska.

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Reviews

Auto Insurance✦ Homeowners Insurance✦ Renters Insurance✦ Life & Health Insurance✦ Commercial Property Insurance✦ Commercial General Liability Insurance✦ Business Auto Insurance✦ Workers' Compensation✦

Types of Homeowners Insurance
Services We Offer

Dwelling Coverage

Dwelling coverage pays to repair or rebuild the physical structure of your home — walls, roof, foundation, and built-in systems — after a covered loss. The amount should reflect the cost to rebuild your home, not its market value.

Other Structures Coverage

Other structures coverage protects detached buildings on your property, including garages, sheds, fences, and gazebos. It is typically set at 10% of your dwelling coverage by default.

Personal Property Coverage

Personal property coverage protects your belongings inside the home — furniture, electronics, clothing, kitchenware, and similar items. Standard policies cover them at a percentage of dwelling coverage and may include limited protection while traveling.

Loss of Use Coverage

Loss of use coverage pays for temporary housing, meals, and additional living expenses if your home becomes uninhabitable after a covered loss. It bridges the gap between displacement and your home being repaired.

Personal Liability Coverage

Personal liability coverage protects you if someone is injured on your property or you accidentally damage someone else's property. It covers legal defense costs and settlements up to your policy limit.

Medical Payments Coverage

Medical payments coverage pays for minor medical bills if a guest is injured on your property, regardless of fault. It applies up to a set limit and helps resolve small claims without involving liability coverage.

Why Choose Omaha Insurance Services for Homeowners Insurance

Serving Omaha Since 1994

We have operated as an independent insurance agency in Omaha since 1994, working with individuals, families, and businesses across the area.

Independent Insurance Agency

We are not contracted to any single carrier. We compare options across multiple companies and recommend based on your coverage needs, not on carrier relationships.

Personalized Service

Each client works directly with a licensed Omaha agent from the first conversation through policy selection.

Competitive Pricing

We compare rates across multiple carriers to find competitive pricing for your coverage level and budget.

Proven Track Record

Since 1994, Omaha families and businesses have trusted us to protect what matters most, and our clients stay with us because we deliver on that promise.

At Omaha Insurance Services, we blend innovation with compassion to protect what matters most. We are committed to our clients, our people, and our community, building trust through service, connection, and care.

Why Do You Need Homeowners Insurance in Omaha?

Protect the structure of your home from fire, wind, hail, and other covered losses
Replace personal belongings damaged or stolen in a covered event
Cover temporary housing costs if your home becomes uninhabitable
Protect against liability if someone is injured on your property

Backed By 30+
Top Rated Carriers

Access reliable coverage from 30+ trusted insurance carriers serving Omaha residents and businesses.

Customer Reviews

    
 
 
         
   Tim Davlin 
 
 
 
 Trustindex verifies that the original source of the review is Google. “I worked with an Agent by the name of Melody Derry and she was professional, polite, patient, knowledgeable, responsive and friendly in a professional manner. She was the only Insurance Agent that asked all the right questions she needed to get me thorough and timely quotes on my automobiles and home. I would recommend Melody to anyone who would ask me for a name of an Insurance Agent that I trust and would do a great job for them.”
  
 
        
   Aslynn Connolly 
 
 
 
 Trustindex verifies that the original source of the review is Google. If you are looking for a new insurance agent PLEASE talk to Jordan Wells. ever since I started the process, he has been nothing but understanding, helpful and accommodating for me. From the beginning, he discussed all of the options in my many questions with no hesitation. in stressful situations, he has been there to calmly help and give me real solutions. He is always available and always answers calls and texts very promptly. He has seriously been a breath of fresh air for me.
  
 
        
   Kayla Rau 
 
 
 
 Trustindex verifies that the original source of the review is Google. Called in based on the reviews, and it definitely lived up to the hype. Melody is the one to talk to! She mentioned she typically likes to give her account managers a few days for quoting, but she got back to me even faster than expected. She and her team are truly awesome!
  
 
        
   Patrick Savage 
 
 
 
 Trustindex verifies that the original source of the review is Google. Zach has managed my insurance for my business for years and I have never been let down. The absolute best in the business and I can’t recommend them enough!!!
  
 
        
   Sandy Johnson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary is the best Agent I have ever had. She so good at her job and communication.  Very lucky to have her as my agent.
  
 
        
   Doug Finley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary Lamb (my agent) has been the most professional and diligent agent I have ever had. She is responsive at all times and has always been very easy to talk with and get a hold of too. If you ever want a trustworthy and competent agent, she will definitely fit that bill.
  
 
        
   Rose Moore (Anderson US) 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary - As always exceptional, professional, and you KNOW your stuff!  You are awesome!
  
 
        
   Lori Sofio 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary is the Absolute Best I have ever done Insurance Services with! She is always so professional and friendly! She is the very Reason I have, and continue to do Business with Omaha Insurance Services!!
  
 
        
   John Winkler 
 
 
 
 Trustindex verifies that the original source of the review is Google. My family utilizes Omaha Insurance Services for all of our home, auto, boat and recreational vehicles insurance needs.  Customer service is unparalleled and they are uber responsive to any communication.  Mary is the absolute best!!!!!

Questions,
Answered.

Everything Omaha clients ask most — in plain English. If you don’t see yours, our agents are a phone call away.

How much homeowners insurance do you need in Omaha?

Coverage needs depend on your home’s rebuild cost, the value of your belongings, your liability exposure, and your assets. An OIS agent can review your situation and recommend a specific coverage amount.

Does homeowners insurance cover hail damage in Nebraska

Most policies cover hail damage to your home and personal property, but the details matter. Coverage can be affected by your roof’s age, whether your policy pays replacement cost or actual cash value, and whether the carrier applies a separate wind and hail deductible. An OIS agent can review these details on any quote.

How much does homeowners insurance cost in Omaha, NE?

Cost depends on your home’s value, age, location, roof condition, coverage limits, and deductibles. An OIS agent can run a free quote comparison across multiple carriers based on your specific home.

Does my credit score affect my homeowners insurance premium in Nebraska?

In most cases, yes. Nebraska allows insurance-based credit scoring as one factor in determining premiums, along with claims history, location, and home characteristics

Can I bundle my homeowners insurance with other policies?

Yes. Most carriers offer multi-policy discounts when you bundle homeowners insurance with auto, life, or other personal coverages. Bundling savings typically range from 10% to 22%.

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Protect Your Home
With Confidence

Find homeowners insurance options designed to help protect your property, belongings, and personal liability.

HOMEOWNERS INSURANCE IN OMAHA, NE