Papillion, NE Insurance Agency

Smith Davis Insurance has served Sarpy County from downtown Papillion since 2018, when Baehler Insurance joined the Smith Davis family. Our Papillion office is one of three we operate across the Omaha-Council Bluffs metro, which means a family that moves from Bellevue to Council Bluffs, or a contractor who works both sides of the river, keeps the same agency and the same people.

What insurance does the Papillion office handle?

The Papillion office writes personal and commercial insurance for Sarpy County residents and businesses. The most common policies we place from this office are homeowners, auto, umbrella and life insurance for families, and general liability, commercial auto, workers' compensation and business owners policies for local companies.

Because we are an independent agency, we quote each policy across multiple carriers rather than one. For a Papillion homeowner that usually means comparing at least three to five carriers on the same coverage, which matters more now than it did five years ago (see the hail section below).

Personal insurance from this office

• Homeowners, condo and renters insurance
• Auto, motorcycle, boat and RV insurance
• Personal umbrella liability
• Life insurance and Medicare supplement plans

Business insurance from this office

• Business owners policies (BOP) and general liability
• Commercial auto and small fleet
• Workers' compensation (Nebraska and Iowa)
• Contractors, restaurants, churches and professional offices

Where is the office and when is it open?

Smith Davis Insurance, Papillion
120 W 2nd St, Papillion, NE 68046
Phone: (402) 331-7526
Email: insured@smithdavisins.com

The office is in downtown Papillion, one block off Washington Street, with street parking on 2nd Street.

Which communities does the Papillion office serve?

We serve all of Sarpy County and the south Omaha metro, with most of our Papillion clients in Papillion, Bellevue, La Vista, Gretna, Springfield and the Offutt Air Force Base community. We also write policies in Ralston, Chalco and south Omaha ZIP codes 68123, 68128, 68133, 68136, 68138, 68147 and 68157.

Papillion itself is home to about 25,000 people with a median household income above $110,000, according to World Population Review. In practice that means a lot of newer construction, two-income households with two or three vehicles, and homeowners who need replacement cost coverage that keeps pace with what it actually costs to rebuild in Sarpy County today.

What should Sarpy County homeowners know about insurance right now?

Nebraska is now the fourth most expensive state in the country for homeowners insurance, and premiums are projected to rise another 13% in 2026 after a 25% jump the year before, according to Insurify data reported by the Flatwater Free Press. The driver is hail and wind, not floods or fires.

Three things we see on Papillion policies that families do not expect:

1. Roof age now sets your rate and your coverage. Most carriers writing in Sarpy County have moved to actual cash value (ACV) roof settlements once a roof passes 10 to 15 years, and some will not write a home with a roof over 20 years old at all. ACV means depreciation comes out of your hail claim. If your roof is 12 years old and a storm takes it, the difference between an ACV and a replacement cost roof endorsement can be $8,000 to $15,000 out of your pocket. We check roof age and settlement terms on every homeowners quote from this office.

2. Wind and hail deductibles are separate from your regular deductible. A policy with a $1,000 all-perils deductible may carry a 1% or 2% wind/hail deductible. On a $400,000 home that is $4,000 to $8,000 before the carrier pays anything on a hail claim. Some carriers offer a flat dollar wind/hail deductible instead. That is a question worth asking before you sign, not after the storm.

3. New-construction homes are often insured at the purchase price, not the rebuild cost. The builder's lender wants a number that matches the mortgage. Rebuild cost in Sarpy County has run ahead of purchase prices for several years, and a home insured at $380,000 that costs $450,000 to rebuild leaves the owner short after a total loss. We run a replacement cost estimate on every new-construction home we insure in Papillion and Gretna.

What auto coverage does Nebraska require, and is it enough?

Nebraska requires minimum liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage, plus uninsured and underinsured motorist coverage of 25/50, according to Insurance.com's summary of Nebraska law. Those are the limits that keep you legal. They are not the limits that keep you solvent.

A single at-fault accident on Highway 370 or I-80 involving a newer pickup and an injury can exceed $25,000 in property damage alone. Most Papillion households we insure carry 100/300/100 with a matching umbrella, and the cost difference between state minimum and 100/300/100 is often less than $20 a month with carriers like Progressive and Travelers.

If you live in Sarpy County but work in Iowa, or the reverse, note that Iowa's minimums are 20/40/15. We are licensed in both states from every office, so the policy follows you when you move across the river.

Who will I work with at the Papillion office?

Bob Sullivan, Director of Sales and Growth
Bob has more than 20 years in insurance and leads new business for the agency from the Papillion office, working with Sarpy County families and business owners on both personal and commercial coverage.

Tony Rockwell, Personal Account Manager
Tony has been in the industry since 2017 and joined Smith Davis in 2021. He handles home, auto, umbrella and life policies for Papillion-area households, from first quote through renewal and claims.

Gina Andersen, Commercial Lines Account Manager
Gina manages business accounts out of Papillion, including general liability, commercial auto, workers' compensation and business owners policies for Sarpy County companies.

Behind the Papillion team is the full Smith Davis operation: a commercial lines department led by Pam Kreitzinger with more than 39 years in the business, and a service team that answers the phone at all three offices.

Why choose an independent agency in Papillion?

An independent agency represents you, not one insurance company. When a carrier raises Nebraska rates 13% in a year, a captive agent has to deliver that news. An independent agent re-shops your policy across the other carriers we represent and moves you if it makes sense.

Smith Davis is a member of ISU Steadfast, a national network of independent agencies, which gives a three-office agency in the Omaha metro the carrier access and claims leverage of a much larger firm. We have been doing this since 1931, and the Papillion office carries on the Baehler Insurance relationships that Sarpy County families built over decades.

Frequently asked questions about insurance in Papillion

Do I need flood insurance in Papillion?
Most of Papillion is outside the FEMA high-risk flood zones, but neighborhoods near Papillion Creek, Walnut Creek and the Big Papio can be in Zone AE, where a lender will require it. Standard homeowners policies exclude flood. Check your address on the FEMA Flood Map Service Center or ask us to check it for you.

How much does homeowners insurance cost in Papillion, NE?
For a typical 2,000 to 2,500 square foot Papillion home, we see full replacement cost quotes ranging from roughly $2,400 to $4,500 per year in 2026, depending heavily on roof age, deductible structure and claims history. Nebraska is among the most expensive states for home insurance, so the spread between carriers is wide.

Can I insure a home in Nebraska and a vehicle registered in Iowa with one agency?
Yes. Smith Davis is licensed in both states from every office, and we handle split-state households routinely for Offutt families and cross-river commuters.

Does the Papillion office handle business insurance?
Yes. General liability, commercial auto, workers' compensation, BOPs and specialty programs for contractors, restaurants and churches are all written from Papillion, with support from our commercial lines department.

How do I file a claim?
Report claims directly to your carrier 24/7 (the number is on your ID card and in the GloveBox app), then call us at (402) 331-7526 during office hours so we can follow the claim and step in if it stalls.

About the Author

Jeff Brehmer, CIC, CPIA, is President and Owner of Smith Davis Insurance, an independent insurance agency serving Southwest Iowa and Eastern Nebraska since 1931 from offices in Council Bluffs, Papillion and Logan. He can be reached at (712) 322-1600 or insured@smithdavisins.com.

Last Updated: August 2026

Sources

• Nebraska minimum auto liability and UM/UIM requirements: Insurance.com
• Nebraska homeowners premium ranking and 2026 projection (Insurify data): Flatwater Free Press
• Papillion population and income: World Population Review
• FEMA flood zone lookup: FEMA Flood Map Service Center