The Best Home Insurance in Nebraska for 2024
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The average cost of homeowners insurance in Nebraska is $4,135 per year, or about $345 per month, according to a NerdWallet analysis. For comparison, the national average is $1,915 per year.
NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Nebraska in the following categories:
Best for affordability: American Family.
Best for coverage: State Farm.
Best for consumer experience: Nationwide and American Family.
The rates in our analysis are estimates based on many factors, so your rate may differ.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.
Best affordable homeowners insurance in Nebraska: American Family
Coverage options
Discounts
NAIC complaints
American Family
Coverage options
Discounts
NAIC complaints
In Nebraska, the average annual premium for American Family is $3,560, which is less than the state average of $4,135.
Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.
American Family receives fewer consumer complaints than expected for a company of its size. You may be able to customize your policy with optional add-ons such as identity theft, equipment breakdown or service line coverage, which pays for repairs to water, power or other underground lines that run to your house.
Get more information in our American Family homeowners insurance review.
Note: USAA has cheaper average rates than American Family in Nebraska. However, only military members, veterans and their families are eligible to buy its policies. Read more in our USAA homeowners insurance review.
Best homeowners insurance in Nebraska for coverage: State Farm
Coverage options
Discounts
NAIC complaints
State Farm
Coverage options
Discounts
NAIC complaints
As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.
State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.
Learn more with our State Farm homeowners insurance review.
Best homeowners insurance in Nebraska for consumer experience: Nationwide and American Family
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide offers a robust digital experience, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents, and set up autopay.
In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.
Learn more with our Nationwide homeowners insurance review.
American Family also received high marks from NerdWallet for its user-friendly website. As noted above, its low volume of consumer complaints speaks to its strong customer service. Get more information in our American Family homeowners insurance review.
Full list of the best homeowners insurance in Nebraska
NerdWallet analyzed home insurance companies across the state to find the best home insurance in Nebraska. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
Not available | ||
$3,560 | ||
Not available | ||
Not available | ||
$6,925 | ||
$3,655 | ||
$4,365 | ||
USAA* | $3,045 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
How much does homeowners insurance cost in Nebraska?
The average annual cost of home insurance in Nebraska is $4,135. That’s 116% more than the national average of $1,915
In most U.S. states, including Nebraska, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Nebraska, those with poor credit pay an average of $6,395 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 55% more than what those with good credit pay.
Average cost of homeowners insurance in Nebraska by city
How much you pay for homeowners insurance in Nebraska depends on where you live. For instance, the average cost of home insurance in Omaha is $4,395 per year, while homeowners in Lincoln pay $3,655 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Alliance | $4,990 | $416 |
Beatrice | $3,725 | $310 |
Bellevue | $4,030 | $336 |
Bennington | $4,250 | $354 |
Blair | $4,270 | $356 |
Columbus | $4,135 | $345 |
Elkhorn | $4,165 | $347 |
Fremont | $4,195 | $350 |
Gering | $5,180 | $432 |
Grand Island | $4,250 | $354 |
Gretna | $4,160 | $347 |
Hastings | $4,200 | $350 |
Kearney | $4,360 | $363 |
La Vista | $3,855 | $321 |
Lexington | $4,545 | $379 |
Lincoln | $3,655 | $305 |
McCook | $5,500 | $458 |
Norfolk | $4,215 | $351 |
North Platte | $5,260 | $438 |
Omaha | $4,395 | $366 |
Papillion | $3,720 | $310 |
Plattsmouth | $4,000 | $333 |
Scottsbluff | $5,340 | $445 |
South Sioux City | $4,135 | $345 |
York | $4,135 | $345 |
The cheapest home insurance in Nebraska
Here are the insurers we found with average annual rates below the Nebraska average of $4,135.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$3,560 | ||
$3,655 | ||
USAA* | $3,045 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
What to know about Nebraska homeowners insurance
You may face certain risks when living in Nebraska. Here are a few of the most common, along with steps you can take to insure your home properly against them.
Tornadoes
Standard homeowners insurance should cover damage from high winds and tornadoes. However, your policy may have a separate wind/hail deductible, typically from 1% to 5%. Suppose your policy has a $1,000 deductible for most claims and a 1% deductible for wind claims. If your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.
Thunderstorms and hail
Hail, which often accompanies thunderstorms, can significantly damage roofs, windows, siding and other exterior features of homes. As with wind damage, your policy may have a separate hail deductible, so make sure to read your policy carefully.
Winter storms and freezing temperatures
Most damage from winter storms, such as roof collapse from the weight of snow, is covered under a standard homeowners policy. However, some types of winter weather damage may require extra coverage. For instance, you’ll typically need a separate flood insurance policy to cover flood damage caused by snowmelt.
Flooding
Standard homeowners insurance policies typically do not cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance.
To learn more about your risk, check out the Federal Emergency Management Agency's flood maps and RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.
Remember that while you can purchase flood coverage at any time, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.
Nebraska insurance department
The Nebraska Department of Insurance oversees the state’s insurance industry and provides consumer resources. In addition to offering educational information, the department can advocate on your behalf. If you have an issue with your insurer, you can file a complaint online. Contact the Insurance Complaint Division with questions at 877-564-7323 or [email protected].
Amanda Shapland contributed to this story.
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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