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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best homeowners insurance in Nebraska for 2024

Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and more.

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and more.

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict  editorial integrity, this post may contain references to products from our partners. Here’s an explanation of  how we make money. Our content is backed by Coverage.com  LLC, a licensed entity (NPN: 19966249). For more information, please see our  Insurance Disclosure.

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Bankrate's insurance editorial team, which includes licensed property and casualty agents, took a close look at homeowners insurance in the Cornhusker State. Our review included an assessment of average rates as well as a deep dive into each company's customer satisfaction scores, coverage availability, discounts, financial strength ratings and digital tools.

The average cost of Nebraska home insurance is $5,121 for $250,000 in dwelling coverage, which is more than twice the national average of $2,151. These high average rates may make it more difficult to find cheap home insurance, but Bankrate identified some carriers with competitive average premiums. Based on our research, here are the companies writing the best homeowners insurance in Nebraska:

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare the best homeowners insurance companies in Nebraska

Nebraska homeowners pay high average home insurance rates compared to the rest of the country, likely due to its volatile weather patterns. The average cost of Nebraska homeowners insurance is $5,121 for $250K in dwelling coverage, based on data supplied by Quadrant Information Services. Since premiums are based on factors individual to the home and its owner, your individual rates may vary. Our insurance editorial team reviewed the average rates of each company writing policies in Nebraska to find carriers with great coverage options and competitive average rates.

In addition to average rates, we looked at third-party rankings from J.D. Power's 2023 Home Insurance Study and AM Best's ratings for financial strength. Other factors we considered included coverage options, discounts and digital tools. Based on these metrics, you may want to start your search for the best home insurance in Nebraska with quotes from the following carriers:

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Bankrate's trusted insurance industry expertise

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

The top 5 home insurance companies in Nebraska

Best for discounts

4.3

4.3

Avg. premium for $300K dwelling

$343/mo

Avg. premium for $300K dwelling

$4,110/yr

Customer satisfaction

812/1,000

Why Nationwide made our list: In addition to low average rates in Nebraska, Nationwide also has a larger-than-usual list of discounts, including one for smart homes and a discount based on your roof's age and surface type. You may be able to customize your insurance policy with Nationwide with Better Roof Replacement and valuables coverage. Nationwide offers a free annual insurance review called OnYourSide to help ensure your coverage is right for your needs. However, Nationwide did score below the segment average in the J.D. Power study, which may be a concern for shoppers who value customer service.

Who Nationwide may be good for: Nationwide may be a good choice for homeowners looking for low rates and customizable coverage options.

CheckmarkPros

Close XCons

Nationwide has optional endorsements that cover the types of losses many homeowners don’t often think of, such as:

Best for digital tools

4.2

4.2

Avg. premium for $300K dwelling

$336/mo

Avg. premium for $300K dwelling

$4,034/yr

Customer satisfaction

809/1,000

Why Allstate made our list: Allstate’s average Nebraska home insurance premiums are some of the most expensive on our list, but the company offers numerous discounts to potentially lower rates. Advertised savings opportunities include new homes, bundling, claims-free and protective devices. You may be able to personalize your policy with endorsements for sports equipment, water backup coverage and even home-sharing coverage for policyholders who rent their homes out through sites like Airbnb. Allstate did score slightly below the segment average in the J.D. Power study, so prospective customers may want to speak with existing policyholders about their experience.

Who Allstate may be good for: Allstate may be a great choice for homeowners who value robust digital tools over low rates. It may also be a good choice for homeowners who need home-sharing coverage, a rather unique coverage option.

CheckmarkPros

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Allstate offers several custom endorsements to help you mitigate risks that go beyond the typical home insurance policy. Some optional coverage types include:

Best for customer service

4.2

4.2

Avg. premium for $300K dwelling

$273/mo

Avg. premium for $300K dwelling

$3,274/yr

Customer satisfaction

829/1,000

Why State Farm made our list: State Farm is the largest home insurance company in the U.S. by market share. State Farm’s home insurance coverage is pretty basic, but the company offers helpful online tools and resources, which may be ideal for first-time home insurance buyers. The company also has a network of agents across the state to serve customers who like to handle their insurance needs in person. Although the average rates are higher in Nebraska than some other carriers, J.D. Power shows that State Farm has an above-average score on the 2023 home insurance study. Homeowners may be able to take advantage of discounts for bundling policies or installing a weather-resistant roof to help lower costs.

Who State Farm may be good for: Shoppers who want to work with a company that places a high value on its relationships with its customers might consider State Farm.

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From additional liability needs to additional coverage for farm equipment, State Farm advertises the following endorsements:

Best for uncommon coverage options

4.2

4.2

Avg. premium for $300K dwelling

$235/mo

Avg. premium for $300K dwelling

$2,820/yr

Customer satisfaction

813/1,000

Why American Family made our list: American Family, also known as AmFam, is a regional insurer available in 19 states, including Nebraska. Its average rate is highly competitive for Nebraska, and the company came in just below average in J.D. Power's 2023 U.S. Home Insurance Study. AmFam offers a comprehensive list of endorsements to build a more robust policy, including hidden water damage coverage, equipment breakdown coverage and siding protection. Its list of discounts is also rather uncommon, with potential savings for policyholders whose parents hold an AmFam policy, renovated homes and loyal customers. AmFam's digital tools are not as robust as some competitors, which may be a concern for homeowners who value online policy management.

Who American Family may be good for: AmFam may be a great option for homeowners looking for low average rates and those seeking unique endorsement and discount options.

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Close XCons

American Family offers several endorsements to enhance a standard homeowners policy, such as:

Best for policy customization

4.1

4.1

Avg. premium for $300K dwelling

$358/mo

Avg. premium for $300K dwelling

$4,299/yr

Customer satisfaction

790/1,000

Why Travelers made our list: Travelers offers extensive options to customize your home insurance policy with potential endorsements for jewelry and valuables, water backup and identity fraud. The carrier doesn't have the lowest average rates on our list, but policyholders may be able to save with discounts for new homeowners, remaining loss-free and installing protective devices. Environmentally-conscious homeowners may be particularly interested in Travelers as it offers an endorsement for green home coverage and extends a discount for LEED-certified homes.

Who Travelers may be good for: Travelers may be a good choice for homeowners who value policy customization, especially those with green homes.

CheckmarkPros

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Travelers offers additional options that can help homeowners avoid common coverage gaps that can occur on a traditional policy. Some of these options include:

Additional Nebraska home insurance companies to consider

Farmers

Who this may be best for

Homeowners who value policy management flexibility

Farmers offers standard home insurance coverage and endorsements that can help policyholders avoid coverage gaps. With robust digital tools and local agents, homeowners have the best of both worlds regarding how they manage their policies. Farmers has a Bankrate score of 3.6 and an AM Best rating of A- (Excellent). Its average annual premiums for $250K in dwelling coverage is $7,879.

Farm Bureau

Who this may be best for

Homeowners who value agents with local knowledge

Farm Bureau is a regional carrier that uses local agents to help policyholders build policies tailored to their needs. Along with home insurance, they offer auto, farm, life and financial planning services. Farm Bureau has a Bankrate score of 3.0 for home insurance and is rated as A- (Excellent) with AM Best. For more information, read Bankrate’s Farm Bureau Insurance review. Its average annual premiums for $250K in dwelling coverage is $4,158.

How Bankrate chose the best home insurance companies in Nebraska

Bankrate understands that price isn't the only consideration for many Nebraska homeowners looking for the best home insurance. This is why we looked beyond average premiums to evaluate each carrier holistically. We took into consideration customer service metrics, financial strength, coverage options, discounts, digital tools and more to come up with our five top carriers writing policies in Nebraska. Weighing these factors, we assigned each carrier a Bankrate Score out of 5.0 points. We hope you can use this score to quickly evaluate insurers and determine which could offer you the best home insurance for your circumstances.

Cheapest home insurance companies in Nebraska

Homeowners insurance in NE is the most expensive in the nation due to the high risk of wind and tornado claims, but not every homeowner lives in the direct path of Tornado Alley. The price of your home insurance will depend on your location and factors like prior claim history, square footage, cost of building materials and more. The following insurance companies have some of the lowest average home insurance rates in Nebraska.

How to get cheap Nebraska home insurance

Finding cheap home insurance may be difficult due to the state's high average rates. However, there are strategies you may be able to use to find the cheapest rates for your circumstances. Consider the following tips and tricks.

Different carriers may weigh rating factors differently. Comparing quotes for the same coverage selections may help you see which company could truly offer you the lowest rate.

Different carriers may weigh rating factors differently. Comparing quotes for the same coverage selections may help you see which company could truly offer you the lowest rate.

Nebraska is one of the many states where insurers can use your credit history to help determine insurance premiums. Data show that those with stronger credit file fewer claims, so improving your credit may lead to a lower premium.

Nebraska is one of the many states where insurers can use your credit history to help determine insurance premiums. Data show that those with stronger credit file fewer claims, so improving your credit may lead to a lower premium.

One of the most common discounts available from insurers is a bundling discount. This means purchasing more than one policy from a company and receiving a lowered rate in return. It may be worth exploring whether buying your auto or life insurance from the same company could result in a discount on your home and premiums.

One of the most common discounts available from insurers is a bundling discount. This means purchasing more than one policy from a company and receiving a lowered rate in return. It may be worth exploring whether buying your auto or life insurance from the same company could result in a discount on your home and premiums.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Best home insurance discounts in Nebraska

Most insurers offer a handful of discounts to homeowners, and the best Nebraska homeowners insurance companies may offer even more. Before you sign up with an insurance carrier, it may be a good idea to review its range of discounts to see how many you could take advantage of. Here are a few of the more common ones:

How to save on home insurance policy renewals in Nebraska

It is common for your home insurance premium to fluctuate at each renewal. However, there are steps you can take that can help you minimize increases:

How much is home insurance in Nebraska?

The average cost of homeowners insurance in Nebraska is $5,121 per year for a policy with $300K in dwelling coverage, which is 138 percent more than the national average premium of $2,151 for the same amount of coverage. Average home insurance rates in Nebraska may be higher than the national average in part because of the state's risk of tornadoes.

Generally speaking, homeowners insurance tends to be higher in states located in Tornado Alley, which includes Nebraska. The state also experiences extreme winter weather and wildfires. Nearby states see similar high average rates for the same amount of dwelling coverage, including Oklahoma, where the average annual cost of home insurance is $4,675 and Kansas, where it's $3,914.

Nebraska homeowners insurance rates by city

Location can impact the rate of your home insurance policy, not just between states but between cities as well. See the following tables to compare the cost of insurance between Nebraska's least and most expensive cities.

In Nebraska, your insurer considers your ZIP code when determining your premium. If you live in a neighborhood that has low rates for burglary, for example, you may pay less for your insurance than in an area where theft is common. The same is true for natural disasters. Regions that are less prone to wildfires, tornadoes and other acts of nature will likely see decreased rates. Below are some Nebraska cities with the lowest average rates for home insurance.

Areas where average rates are higher tend to be locations that see higher rates of crime and extreme weather. If insurers see a higher risk for claims filing in your area, they will likely raise rates to compensate for this added risk. Here are a few of Nebraska's pricier cities for homeowners insurance based on average rates:

*Rates are for $300,000 in dwelling coverage

What does home insurance cover in Nebraska?

Nebraska has an assortment of natural hazards, from tornadoes to flooding to excessive wind. Snow melt may cause extensive flooding in the springtime and wildfires have started occurring year-round. Not all hazards are covered under a standard homeowners insurance policy, though. Working with an experienced agent can help you learn what kind of losses your home insurance policy covers and how to purchase additional coverage types for the ones it doesn't.

Here are a few of the most common types of damage covered by standard home insurance:

Additional home insurance coverage types in Nebraska

In addition to standard home insurance coverage types, many carriers offer endorsements or additional standalone policies that may offer more financial protection in the event of a covered loss. Some of the more common ones include:

Related content:

Is home insurance required? Previously Read

The best home and auto insurance bundles Previously Read

Homeowners insurance statistics and facts Previously Read

Common Nebraska home insurance problems

While Nebraska homeowners don’t face the same challenges policyholders in more problematic states like Florida and Louisiana face to obtain an insurance policy, extreme weather patterns make homes more costly to insure.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Frequently asked questions

Is homeowners insurance required in Nebraska?

There is no state law mandating home insurance in Nebraska or anywhere else, but experts recommend buying a policy to protect your most valuable asset from catastrophe. Plus, most mortgage lenders require that you buy insurance as a condition of having a mortgage.

There is no state law mandating home insurance in Nebraska or anywhere else, but experts recommend buying a policy to protect your most valuable asset from catastrophe. Plus, most mortgage lenders require that you buy insurance as a condition of having a mortgage.

What is the cheapest homeowners insurance company in Nebraska?

Although some carriers offer lower average rates than others, there is no single company that is always going to be the lowest-cost option for Nebraska homeowners. If you're looking for cheap home insurance in Nebraska, you may want to request quotes from different carriers to get a feel for which company could offer you the lowest rates for your circumstances.

Although some carriers offer lower average rates than others, there is no single company that is always going to be the lowest-cost option for Nebraska homeowners. If you're looking for cheap home insurance in Nebraska, you may want to request quotes from different carriers to get a feel for which company could offer you the lowest rates for your circumstances.

What is the best homeowners insurance in Nebraska?

The best homeowners insurance in Nebraska is different for every homeowner. The best company for you is likely the one that offers the type of coverage you need at a price you can afford. If saving money is your priority, you may want to look for a company that offers lots of discounts. If you care more about coverage, you may want to look for a company that offers a variety of endorsements.

The best homeowners insurance in Nebraska is different for every homeowner. The best company for you is likely the one that offers the type of coverage you need at a price you can afford. If saving money is your priority, you may want to look for a company that offers lots of discounts. If you care more about coverage, you may want to look for a company that offers a variety of endorsements.

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and more.

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

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