Best Renter's Insurance Companies in Omaha

Frequently Asked Questions

• Can renters’ insurance help you recover the cost of spoiled food due to a power outage in Omaha?

  Most Omaha renters' insurance policies cover spoiled food, but only if the underlying cause is also a covered condition. If your freezer is damaged by a fire or burglary, the resulting food loss will be covered. However, if the food spoilage occurred as a result of a power outage caused by flooding, it is not covered because renters' insurance does not cover flooding. Renters' insurance does not cover pest-related food spoilage or utility bill-related power outages.

• How much do tenants in Omaha pay for renters’ insurance?

  Renters' insurance in Omaha costs an average of $16 per month or $190 per year. This is slightly more than the state average of $15 per month. At $12 per month, Nationwide has the cheapest policy, with Amica coming in second at $13. Farmers is the most expensive option, costing $22 per month.

• Are your kids also covered under your renters’ insurance policy in Omaha?

  The personal belongings coverage in your renters' insurance policy includes your children's belongings. It also applies to items carried by your child, such as when they go to camp or college outside of Omaha. Children under the age of 13 are fully covered under your policy's liability coverage, whether they intentionally or unintentionally cause damage or injury to others. Children 14 and older are only covered if the damage or injury is the result of an unintentional action.

• Does renters’ insurance in Omaha help pay for locksmith services when you get locked out of your apartment?

  Only if the cause of the service is a named peril will renters' insurance cover locksmith expenses. If a pickpocket steals your key, your policy may cover the cost of a locksmith to unlock your door. However, if you leave your key inside your Omaha apartment, the locksmith fees will not be covered. Keep in mind that if a burglar breaks your lock, the landlord's insurance should cover the cost of repair because the lock is part of the apartment's structure.

• If your significant other moves into your rented apartment in Omaha, are their belongings automatically covered by your renters’ insurance policy?

  If you are not legally married to your significant other, you must include their name on the policy in order for them to be covered. It is recommended that you update the coverage limits on your policy to account for your significant other's belongings. Renters' insurance in Omaha will only cover a member of your household if they are related to you, such as blood relatives, legal spouses, and biological and adopted children.