What Sets Us Apart

Watts Insurance is a local small business with 50+ years of combined experience.
Born and raised in Lincoln, we know the needs of our customers well!

Dave Ramsey Endorsed Local Provider

The endorsed local provider (elp) program is made up from a network of reliable, trustworthy and skilled local professionals that Dave Ramsey can refer his loyal fans to. You can be confident you’re working with the best when you partner with an ELP to reach your goals. READ MORE…

Independent agents aren’t tied down to one insurance carrier, so they’re free to shop around and deliver multiple quotes to help you find the right coverage at the right price. We continually review your coverages long after day one to make sure you’re always getting exactly what you need. No more, and definitely no less.

Trusted Choice Agent

Coverage For What Matters


Having the right coverage is crucial and we can help you assess your risk and find the right coverage for you.


Make sure you have insurance for your home, apartment or business location to protect yourself from potential loss.


Small businesses take unique risks, we can help you assess them so you have the insurance coverage you need.


Ensure protection for your loved ones when you’re gone to replace lost income, pay off debt and more.

health insurance


We are here to keep you informed and help you decide what coverage is right for you and your family or business.


Our Team

Watts Insurance Group is Independent Insurance agency that is family owned and operated.
Excellent customer service is our top priority. Having the right coverage is very important and
we would love to help you assess your risk and find the right coverage for you.

Nikki Watts-Ostrander

Terri Watts

Ashley Hellbusch

Noah Walz


Still have questions? We would be happy to connect with you.

Contact Us

What Our Customers Say About Us

Just this week I had questions for Watts Insurance, and not only were they answered right away, but later Nikki called me to make sure I was on the right track with my issue

Laurel S

When discussing some options for extra insurance Nikki was able to give me more information than I had never received before allowing me to make a more educated voice if that particular insurance is the best fit for me. Doing so told me she was mostly interested in taking care of me as a customer and not making a quick sale, I can appreciate that above all else and it was something I had never experienced in the insurance industry before.

Customer Since 2018

Amanda Eisenhauer is a great agent. She answered all my many questions and was always nice. She got a savings for me on my car & home insurance and I am appreciative for that.

Kimberlee J., customer since 2018

I appreciate the service you provided in helping me find a new company for my insurance needs.

Bonnie R., customer since 2018

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