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The Best Homeowners Insurance in Nebraska [2023]

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Find a top-ranked Homeowners Insurance Agency in your area

Nebraska has a rich place in U.S. history due to its pioneering roots. While the Cornhusker State has much to offer its 1.9 million residents, the state’s propensity for extreme weather also makes obtaining homeowners insurance more expensive than other parts of the country.

If you own a home or are thinking of buying in Nebraska, it’s important to compare rates and find the coverage that works best for you and your family. 

We at Expertise.com have analyzed a handful of insurance companies. We’ll uncover everything to know about homeowners insurance in Nebraska, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in Nebraska

Thanks to its location in Tornado Alley, the average cost of homeowners insurance in Nebraska is $3,133 per year according to Insurance.com. Though Nebraskans enjoy lower costs of living in general, this is surprisingly higher than the national average of $2,777.

The cost of homeowners insurance in Nebraska can differ vastly based on a few key factors:

  • The age of your home: Is your Nebraska home older and more at risk of structural wear and tear?

  • The square footage of your home: How big is your home? In general, larger homes cost more to insure.

  • The materials used to build your home: Was your Nebraska home built using materials prone to rotting or structural damage?

  • Building costs in your area: Because insurance deals with repairs and replacement, higher building costs mean more expensive coverage.

  • The location in which you live: What are crime rates like? How close are you to a fire department? Do you live in a flood zone?

  • Any additional features: Does your house have a swimming pool or hot tub? Do you have pets, and if so, what are their breeds? Surprisingly, insurers may consider these things as risk factors when assessing prices.

  • Your deductible: A higher deductible will lower your premium, but could cost you more if you file a claim. Talk to your insurance provider about how to reduce deductibles for the best payment plan that suits your needs.

Nebraska Homeowners Insurance Rates by City

The cost of your Nebraska homeowners insurance policy can vary greatly depending on where you live in the state.

Below is a breakdown of the average annual rate by city:

City

Average Annual Rate

Bellevue

Fremont

Grand Island

Kearney

Lincoln

Omaha

The Best Homeowners Insurance in Nebraska

After extensive research, we at Expertise.com found the following as the best home insurance companies for providing comprehensive coverage in Nebraska:

Farmers logo

Farmers


Average Annual Rate: ~ $2,993

Notes: Unique tiered coverage and customizable policies, bundling options available

State Farm logo

State Farm


Average Annual Rate: ~ $4,210

Notes: Largest home insurance carrier in the U.S. but often has fewer discount options

Allstate logo

Allstate


Average Annual Rate: ~ $3,070

Notes: A top Nebraska provider with lots of add-on coverage choices

Travelers logo

Travelers


Average Annual Rate: ~ $3,100

Notes: User-friendly online experience and robust policy choices

Nationwide logo

Nationwide


Average Annual Rate: ~ $3,600

Notes: More costly but good, inclusive coverage with roof and flood insurance options

Cheapest Homeowners Insurance in Nebraska

The cheapest homeowners insurance coverage in Nebraska is Farmers for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

It’s important to remember that prices vary depending on your scenario and claims history, but if cost is the most important variable for you, check out Farmers’ coverage options in Nebraska first.

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Find Cheap Homeowners Insurance in Your Area

FAQs

Below, we tackle some common questions to help you make a more informed decision about which homeowners insurance to choose in Nebraska specifically. 

How to Reduce Homeowners Insurance Costs in Nebraska

As we’ve pointed out, your Nebraska home insurance rates can vary substantially across insurers. 

Here are a few ways to reduce costs:

  • Increase your deductible. This may lower monthly costs to your insurer, but it could mean paying more out of pocket when you need to make a claim. Similarly, you can lower your monthly costs by paying your 6-month or 1-year premium in full.

  • Bundle policies. Bundling your home and auto insurance can help you save 15–20% on your premiums in Nebraska. Ask your insurance provider about which home and car insurance bundling options will help you save the most.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or deadbolt locks.

    • Install a sprinkler system.

    • Installing an impact-resistant roof for hail.

    • Plumbing, heating, or electrical upgrades

  • Nix the high-risk accessories. Clearing your home of things that are considered “high risk” could save you on your premiums. For example, when the kids go off to college, it’s time to throw out the backyard trampoline.

  • Seek out other discounts. Some things to look into:

    • Do you work from home? Insurance providers may consider you less risky for burglary or that you may spot a fire or flood sooner.

    • Are you retired or a senior citizen? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Some insurers will offer you a discount if you renew your policy with them for multiple years.

    • Choosing paperless billing can also help you save.

  • Keep good credit. Some agencies may view your credit history and charge less if you show good financial strength and standings.

As always, consult your insurance agent to see which of the above discounts you qualify for.

Nebraska Insurance Options in Your City

At Expertise.com, our goal is to connect Nebraska residents with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

View our list of the 15 best homeowners insurance agencies here

Learn more about the best homeowners insurance options in your respective Nebraska cities below:

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.