Lincoln has 294,856 residents in 122,623 households. We list 32 agencies for life insurance in Lincoln. Here is what the local numbers say about the cover people here need.

Lincoln at a glance

32life insurance agencies listed
43.9%of households rentRenters insurance
$264,000median home valueHome insurance
1982median year homes were builtRebuild cost calculator
6.7%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Lancaster County

FEMA rates the overall natural hazard risk in Lancaster County, where most Lincoln agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Lincoln
Winter weatherVery High
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Lincoln
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Lincoln
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Lincoln

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Lincoln agencies work with

Of the 32 Lincoln agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Ameritas Life Insurance11 agencies
Nationwide9 agencies
Medicare Advantage8 agencies
Centene7 agencies
UnitedHealthcare7 agencies
Aetna6 agencies
Travelers6 agencies
Liberty Mutual5 agencies
Medico Life and Health Insurance Company5 agencies
Mutual life carrier5 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Lincoln agencies are

Lincoln agencies we list sit in 11 ZIP codes, mostly in Lancaster County.

685169 agencies
685087 agencies
685054 agencies
685063 agencies
685102 agencies
685122 agencies
685021 agency
685041 agency
685231 agency
685261 agency
685421 agency

Questions

Life insurance in Lincoln

All insurance agencies in Lincoln · Life insurance across Nebraska

Where can I find life insurance in Lincoln?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Lincoln agencies work with?

Among the 32 Lincoln agencies whose appointments we hold, the companies they are most often appointed with are Ameritas Life Insurance (11), Nationwide (9), Medicare Advantage (8), Centene (7), UnitedHealthcare (7). An appointed agency can quote that company's policies.

Do I need flood insurance in Lincoln?

FEMA's National Risk Index rates inland flooding risk in Lancaster County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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