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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The average cost of homeowners insurance in Nebraska is $274 per month for a policy with $300,000 of dwelling coverage and a $1,000 deductible, according to Insurify data. That’s more than the national average of $216 per month for the same amount of coverage.
Homeowners in Nebraska face unique threats, including flooding, tornadoes, and wildfires. The right home insurance policy can help protect your home from these perils if the worst happens.
Learn how to compare home insurance quotes and find the best homeowners insurance in Nebraska for your needs and budget.
The best home insurance companies in Nebraska include Farmers, Amica, and Foremost.
USAA has the cheapest home insurance in Nebraska, at $70 per month for a policy with a $1,000 deductible and $300,000 of dwelling coverage.
Certain areas of Nebraska have a high flood risk, so consider purchasing a separate flood insurance policy to protect your home.
Best home insurance companies in Nebraska
The best home insurance companies in Nebraska offer affordable premiums, widespread coverage, and reliable customer service. While many insurers serve the Cornhusker State, the best insurer for you depends on your situation and needs.
We’ve selected some of the best home insurance companies to help kick-start your search for the perfect coverage.
Farmers: Best for cheap rates
cheap rates
Farmers
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $152/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $227/mo |
Farmers Insurance has some of the lowest home insurance rates in Nebraska. You can lower your premiums further with Farmers’ available discounts, which include bundling, claims-free, connected home, home safety, and green discounts. The insurer also has a highly rated mobile app, making it easier to manage your homeowners insurance coverage and claims.
Low average homeowners insurance rates in Nebraska
Many discounts available
Highly rated mobile app
Below-average J.D. Power customer satisfaction rating
Poor Trustpilot reviews
Relatively limited agent presence in Nebraska
Amica: Best for flood coverage
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $121/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $179/mo |
Nebraska is home to several rivers, including the Platte, Missouri, Niobrara, and Elkhorn rivers. During heavy rainstorms, some parts of the state are prone to flooding. Standard home insurance policies don’t cover flooding, but Amica can help you find flood coverage, either through the National Flood Insurance Program (NFIP) or through private insurers.
Amica also offers add-on coverage for water backup and sump overflow to help fully protect you against water damage.
Customizable flood insurance
Optional coverages for water backup and sump overflow
Rated No. 1 for customer satisfaction by J.D. Power
No local offices in Nebraska
Must finalize online quote by phone
May not be the cheapest insurer in Nebraska
Foremost: Best for manufactured homes
manufactured homes
Foremost
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 5.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $215/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $370/mo |
Nebraska has more than 12,000 manufactured homes across the state.[1] Foremost offers specialized coverage for manufactured and mobile homes, including comprehensive and liability coverage. You can also choose coverage for debris removal, emergency repairs, food spoilage, earthquakes, and water damage from sewer and drain systems.
Foremost offers several discounts for older homeowners, newer mobile homes, and bundling your home insurance policy with another policy.
Specialized coverage for manufactured homes
Multiple discounts available
Customizable coverage options
No instant online quote option
Limited information on website
Below-average J.D. Power customer satisfaction rating
State Farm: Best for customer experience
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $367/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $513/mo |
State Farm is the largest property and casualty insurance company in the U.S. J.D. Power rates it above-average for customer satisfaction in several areas, including problem resolution, trust, and ease of doing business. State Farm has agents in 81 Nebraska cities, making it a good choice if you want to conduct business in person.
Above-average J.D. Power customer satisfaction rating
Widespread insurance agent presence in Nebraska
Superior AM Best financial strength rating
Higher average premiums than some insurers
Fewer discounts than some insurers
Website doesn’t list all available endorsements
USAA: Best for veterans
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $70/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $92/mo |
USAA is a good choice for the almost 117,000 veterans who call Nebraska home.[2] Active-duty military members won’t pay a deductible if their uniforms are damaged while deployed. USAA will also waive the deductible if war causes damage or loss to your personal property.
As an added bonus, USAA home insurance policies come standard with replacement cost coverage, which pays to replace your personal belongings after a covered loss at today’s prices with no depreciation.
Unique benefits for military members
Lowest average premiums in Nebraska
Replacement cost coverage comes standard
Available only to military members, veterans, and their families
Fewer discounts than some competitors
Limited customer service hours
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Nebraska to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Nebraska
USAA has the cheapest home insurance in Nebraska, with an average monthly premium of $70 for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The insurers listed in the table below also offer affordable coverage in Nebraska.
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,237 |
| Farmers | $2,687 |
| Allstate | $3,659 |
| Foremost | $3,800 |
| American Family | $4,330 |
| Travelers | $4,790 |
| Nationwide | $5,002 |
| State Farm | $6,487 |
Find Cheap Home Insurance in Nebraska
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How much does homeowners insurance cost in Nebraska?
The average cost of home insurance in Nebraska is $274 per month for a policy with $300,000 of dwelling coverage and a $1,000 deductible, Insurify data shows.
Your policy cost will vary depending on the following factors:
Flood risk: Certain parts of Nebraska have a higher flood risk.
Wildfire risk: The central and eastern parts of the state have a moderate to very high risk of wildfires.
Home age and construction type: Older homes and homes constructed of wood may be more expensive to insure.
Deductible choices: A lower deductible usually means a higher premium, while increasing your deductible can lower your premiums.
Credit history: In Nebraska, insurers can consider your credit history when quoting you for insurance coverage.[3]
Claims history: Filing several small insurance claims over a short period can increase your premiums.
Cheapest home insurance companies in Nebraska by dwelling coverage
Dwelling coverage helps pay to repair or rebuild your home (less the deductible) if a covered peril damages or destroys it. The more dwelling coverage you have, the higher your insurance premiums will be.
The table below shows the average annual premiums for different dwelling coverage amounts in Nebraska.
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,078 |
| Farmers | $2,068 |
| Foremost | $2,510 |
| Allstate | $2,740 |
| American Family | $3,411 |
| Nationwide | $3,676 |
| Travelers | $3,729 |
| State Farm | $5,161 |
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,237 |
| Farmers | $2,687 |
| Allstate | $3,659 |
| Foremost | $3,800 |
| American Family | $4,330 |
| Travelers | $4,790 |
| Nationwide | $5,002 |
| State Farm | $6,487 |
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,626 |
| Farmers | $4,012 |
| Allstate | $5,179 |
| American Family | $5,780 |
| Foremost | $6,540 |
| Travelers | $6,769 |
| Nationwide | $7,264 |
| State Farm | $9,067 |
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,874 |
| Farmers | $5,214 |
| Allstate | $6,328 |
| American Family | $7,759 |
| Travelers | $9,385 |
| Nationwide | $10,145 |
| Foremost | $10,587 |
| State Farm | $11,595 |
Nebraska homeowners insurance cost by city
Your insurance rates can depend on where you live in Nebraska. For example, Omaha’s location along the Missouri River puts it at a higher flood risk, while the dry climate in Ainsworth or Alliance increases the wildfire risk.
The table below shows average homeowners insurance rates in a couple of Nebraska cities.
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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City | Average Annual Premium |
|---|---|
| Lincoln | $333 |
| Omaha | $401 |
What homeowners should know about insurance in Nebraska
Depending on where you live in Nebraska, you might face risks like flooding, tornadoes, and even wildfires. Here’s what you need to know about these three hazards in the Cornhusker State.
Flooding
Although Nebraska is a landlocked state, certain areas are at risk from flooding. In the northern and western parts of the state, heavy rainfall and rapid snowmelt can cause flash flooding.
Other regions along the Missouri River and its tributaries have a moderate to high risk of river flooding. For example, certain areas of Omaha are in flood zone AE, which is considered high-risk.
Standard homeowners insurance doesn’t cover flooding. If you live in a high-risk flood zone and have a government-backed mortgage, your lender will require you to have flood insurance.
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Am I in a Flood Zone?
Tornadoes
Between 1950 and 2024, Nebraska averaged just over 42 tornadoes per year — and the state saw more than 100 twisters in 2024.[4] Having enough tornado insurance to protect your home is essential in the Cornhusker State.
Standard homeowners insurance covers tornado and windstorm damage, but your policy may have a separate wind/hail deductible, which is often calculated as a percentage. Check your policy to better understand your deductibles.
Wildfires
Nebraska’s wildfire risk isn’t as high as in some states, but certain areas — especially in the western and central parts of the state — have a moderate to high risk of wildfire.
Homeowners insurance generally offers wildfire coverage, though you might have a higher deductible or certain exclusions if you live in a high-risk area. Some insurers offer home insurance discounts for making your home more fire-resistant.
Compare Nebraska Home Insurance Quotes
See quotes from top insurers in minutes
How much homeowners insurance do you need in Nebraska?
State law doesn’t require Nebraska homeowners to have insurance, but mortgage companies usually do. Learn more about what a standard home insurance policy includes so you can decide how much home insurance you need.[5]
Dwelling coverage
Dwelling insurance pays to rebuild your home, less your deductible, if a covered event destroys it. You’ll need enough coverage to rebuild your home at today’s market value.
Personal property coverage
Personal property coverage pays to replace your belongings if a covered peril destroys them. Making a home inventory can help you determine how much coverage you need.
Liability coverage
Personal liability insurance covers you against lawsuits if you or a family member causes injury to someone or destroys their personal property. Coverage limits start at around $100,000, but you can increase them if you want more protection.
Medical payments coverage
Medical payments insurance helps pay medical expenses for a guest injured on your property, regardless of fault.
Additional living expenses coverage
Loss of use coverage helps pay for additional living expenses, like hotel stays or meals out, if you must move out of your home during repairs. Coverage is usually a percentage of your dwelling coverage.
Understanding what your homeowners insurance covers is essential, so read your policy documents carefully and contact your insurer if you need clarification.
How to contact the Nebraska Department of Insurance
The Nebraska Department of Insurance regulates the state’s insurance marketplace to protect policyholders from fraud and other concerns. The agency’s services include agent and company searches, complaint filing, and guidance for Nebraska insurance customers.
Here’s how to contact the Nebraska Department of Insurance:
Phone: 1 (877) 564-7323
Email: [email protected]
Mailing address: P.O. Box 95087, Lincoln, Nebraska 68509-5087
Nebraska homeowners insurance FAQs
Understanding the answers to some common questions about homeowners insurance in Nebraska can help you find the best policy for your needs.
How much is home insurance in Nebraska?
The average cost of home insurance in Nebraska is $274 per month for a policy with $300,000 of dwelling coverage and a $1,000 deductible, Insurify data shows. Your exact cost will depend on where you live, the type and amount of coverage you choose, and more.
Which company has the cheapest homeowners insurance in Nebraska?
With an average monthly premium of $70 for a policy with $300,000 in dwelling coverage and a $1,000 deductible, USAA has the cheapest homeowners insurance in Nebraska.
Does Nebraska require homeowners insurance?
No, the state of Nebraska doesn’t require homeowners insurance. But mortgage lenders usually require you to carry home insurance if you have a home loan.
How can you lower your home insurance premiums in Nebraska?
You can lower your Nebraska home insurance premiums by comparing multiple quotes, increasing your deductible, bundling multiple policies, asking about insurance discounts, and improving your home’s resistance to natural disasters.
How much is home insurance for a $400,000 house in Nebraska?
Nebraska homeowners pay around $345 per month for a homeowners insurance policy with $400,000 in dwelling coverage.
Does homeowners insurance cover water damage and mold?
Homeowners insurance typically covers sudden and accidental water damage, such as a burst pipe. But it doesn’t cover gradual water leaks that cause mold because that’s considered a maintenance issue.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Nebraska Public Media. "Manufactured homes are affordable and safer than ever. Could they help solve the housing crisis?."
- U.S. Department of Veterans Affairs. "Nebraska Distribution of Veterans by County."
- Nebraska Department of Insurance. "Credit Scoring: How Does it Affect You?."
- University of Nebraska-Lincoln. "Nebraska Tornadoes Table & Graphs."
- Nebraska Department of Insurance. "Homeowners Insurance Guide."
)
)
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
)
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
)
)
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in