5 Best Omaha Homeowners Insurance Companies (2026)
Chubb and American Family offer the best homeowners insurance policies for hail and wind damage in Omaha, Nebraska.
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Written byLindsay VanSomeren
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
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Edited bySara Getman
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Sara GetmanAssociate Editor
Updated
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Homeowners insurance costs an average of $335 per month in Omaha for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Statewide, rates rose by 35% between 2021 and 2024, the fifth-highest jump in the nation. Part of the reason is that damage from hailstorms and tornadoes is increasing. But you have ways to fight back against the high cost.[1]
Here’s what you need to know about finding homeowners insurance in Omaha.
Quick Facts
The best policies offer generous benefits for debris removal, additional living expenses, and replacement cost dwelling coverage.
You may need a separate flood insurance policy if you live in a low-lying area prone to flooding.
Widespread storms in 2022 caused nearly three-quarters of Omaha homeowners in some ZIP codes to file claims averaging $16,500.
Best home insurance companies in Omaha
Buying a home insurance policy can be stressful, given the number of options available. To help you speed up the process, here are Insurify’s top picks for the best home insurance companies in Omaha, depending on specific factors that matter most to you.
Chubb: Best for overall customer satisfaction
| 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. | 7.8 /10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 688 |
| $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. | $308/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. | $474/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.12
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++
Why we picked this company
The average home in Omaha is worth $16,000 more than in the rest of the state, according to Zillow. If you’re willing to spend a bit more for a Chubb policy, you’ll get your money’s worth. Chubb is known for insuring high-value homes, and the company boasts strong customer service ratings.
Chubb offers a full insurance review and assessment of your home’s risks, along with recommendations on ways to mitigate them. Some types of home coverage, like sump pump overflow, even come standard.
Pros
Highest J.D. Power claims satisfaction rating
Outstanding insurance solutions and coverage
High J.D. Power customer satisfaction rating
Cons
Expensive premiums
Must speak to an agent to get a quote
No real discount options listed on website
USAA: Best for military and 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 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 737 |
| $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. | $167/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. | $236/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
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++
Why we picked this company
Omaha is home to almost 7,000 airmen at Offutt Air Force Base, plus tens of thousands of veterans throughout the state. USAA is a prime candidate for insurance protection in the area. It offers perks like standard replacement cost coverage for all home policies, deductible waivers if you lose your possessions in a war, and more. Plus, USAA’s rates tend to be cheaper than competitors’.
Pros
Lowest rates in Omaha
High J.D. Power customer satisfaction rating
Easy to get a quote and manage your policy online
Cons
Few coverage discounts
Not available to people outside of the military community
No local insurance brokers or physical locations in Omaha
Allstate: Best for affordable 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 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 631 |
| $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. | $175/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. | $208/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.08
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-
Why we picked this company
Home policy costs are going up especially fast in Omaha, but more so with some insurers than others. Currently, Allstate offers some of the lowest rates in Omaha, according to Insurify data. Allstate also offers multiple discounts, including a great bundling discount, a new homebuyer discount, and an early signing discount.
Pros
Bundling discount of up to 25%
Affordable rates
Offers multiple insurance options
Cons
High number of customer complaints with the National Association of Insurance Commissioners (NAIC)
Poor J.D. Power customer satisfaction rating
Windstorm mitigation discounts not available in Nebraska
American Family Insurance: Best coverage for hail and wind damage
| 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. | 8.6 /10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 638 |
| $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. | $271/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. | $390/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.72
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
Why we picked this company
Storm damage is costly in more ways than one. American Family can help lower the cost to file a storm claim with its Diminishing Deductible program. It also offers longer-term cost protection, with replacement cost coverage for a new roof, matching home siding replacement, hidden water damage and sump pump overflow protection, and limited flood insurance.
Pros
Several available discounts
Diminishing Deductible program
Extra coverage options relevant to windstorms
Cons
Very high number of customer complaints with the NAIC
Certain breeds of dogs may not be available for liability protection
Lower AM Best financial strength rating compared to competitors
State Farm: Best for insurer strength
| 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 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 643 |
| $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. | $349/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. | $485/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
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++
Why we picked this company
Living in Omaha, you’re particularly susceptible to big storms. When that happens, you want to be sure your insurance company can pay out your claims. State Farm has the highest AM Best financial stability rating possible, so you know it can pay out claims.
Plus, with a heavy local footprint of insurance agencies, you can be more confident that you’ll receive a payout in a mass claims event.
Pros
Roofing discount available
A++ AM Best financial strength rating
Dozens of local insurance brokers in Omaha
Cons
Nebraska not eligible for wind mitigation discounts
Below-average J.D. Power claims satisfaction rating
Fewer discounts than other insurance companies
Our editorial team analyzed regional and national home insurance companies that sell policies in Omaha 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.
How much is home insurance in Omaha?
Location plays a big factor in how much your home insurance costs, and that’s especially true in Omaha. A policy with $300,000 in dwelling coverage and a $500 deductible in Omaha costs an average of $543 per month, compared to $551 in Nebraska as a whole.
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Cheapest home insurance companies in Omaha
How much coverage you need plays a big role in your rate. If you’re looking for affordable coverage, here are the cheapest home insurance companies in Omaha, according to Insurify data.
The below rates in Omaha, NE, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| USAA | $1,548 |
| Foremost | $1,704 |
| Allstate | $1,812 |
| Farmers | $2,196 |
| American Family | $2,496 |
| Travelers | $3,096 |
| Nationwide | $3,228 |
| State Farm | $3,324 |
The below rates in Omaha, NE, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $2,496 |
| USAA | $2,832 |
| Foremost | $4,428 |
| American Family | $4,680 |
| Farmers | $4,932 |
| State Farm | $5,820 |
| Travelers | $6,312 |
| Nationwide | $6,912 |
The below rates in Omaha, NE, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $3,024 |
| USAA | $3,312 |
| American Family | $6,252 |
| Farmers | $7,140 |
| Foremost | $7,140 |
| State Farm | $7,440 |
| Travelers | $8,664 |
| Nationwide | $9,876 |
How much homeowners insurance do you need in Omaha?
Everyone has different insurance requirements, and it’s important to make sure your policy aligns with your needs. You’re paying a lot of money for coverage, and finding out your policy doesn’t cover you adequately after a major disaster can be especially hard.
It’s best to speak with an insurance agent to help you figure out exactly how much coverage you need, along with what types of coverage are best for you.
But to get you started, here’s what experts recommend:[2]
Dwelling coverage
When buying dwelling coverage, get enough to cover the cost of rebuilding your home — not its purchase price. You can quickly estimate this by multiplying your home’s square footage by local building costs.
Liability coverage
Choose a liability coverage limit high enough to protect all your assets that could be at risk if someone sues you. An umbrella policy offers further protection if you need it.
Personal belongings coverage
Create an inventory of all your belongings and their estimated value. You’ll need it if you file a claim for their loss, and it’ll help you tally up how much your personal belongings coverage limit should be for your possessions.
Actual cash vs. replacement cost coverage
You can save money with a policy that replaces your home and possessions according to their actual value. But that won’t be enough to buy new items if you need to replace them. For that level of protection, you’ll need replacement cost coverage. This coverage pays for new versions of items damaged in a covered event, but it does cost more.
What to know about home insurance in Omaha, NE
Home insurance premiums in Nebraska are rising at the fifth-fastest rate in the country, with a 35% rise between 2021 and 2024. And Omaha is already more expensive than the rest of the state. Here are a few reasons why, and how it’s affecting Omaha homeowners:[3] [4]
Higher-priced homes: Simply put, homes are worth more in Omaha than in the rest of the state. That means you’ll need to buy more coverage, which drives the cost up.
Non-renewals becoming more common: Insurers dropped around 2% of homeowners at renewal in most Omaha ZIP codes, a trend that’s been increasing in recent years.
Increasing damage from storms linked to climate change: Tornadoes, wind, and hailstorms are increasing, and they’re walloping Omaha homes along with everyone else in Tornado Alley. Luckily, standard home insurance policies cover this damage. But the increase in claims means an increase in rates.
Separate windstorm deductibles: It’s fairly common for insurance companies to charge a separate deductible for damage from tornadoes and other wind events.
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Average cost of home insurance in other cities in Nebraska
Sometimes, it’s helpful to see how your home insurance costs compare with your neighbors in the next town over. The risk of severe weather is increasing all across the state, although some areas may still have cheaper coverage. Here’s how much home insurance costs in various cities in Nebraska.
The below rates in Omaha, NE, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
City | Average Annual Premium: $300,000 Dwelling Coverage |
|---|---|
| Lincoln | $3,312 |
| Omaha | $4,020 |
Omaha homeowners insurance FAQs
Buying home insurance is an important decision. If you have more questions, check out the additional information below.
The average monthly cost of home insurance in Omaha is $335 for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows.
USAA charges the lowest rates in Omaha, according to Insurify data, with an average monthly premium of $167 for a $300,000 dwelling policy.
Chubb provides the best coverage for Omaha homeowners, but it’s more expensive than competitors. USAA also offers good coverage, but you need to be in the military. American Family is an all-around good insurer for most homeowners.
In general, you want to insure your home for at least 80% of its replacement cost value. You can insure your home for less than its full replacement cost, but if you drop below 80%, your insurer might not pay out the full amount of potential claims.[5]
Omaha homeowners pay an annual average of $4,020 for a $300,000 dwelling coverage policy, according to Insurify data.
It can. In Nebraska, insurance companies can consider your credit-based insurance score when setting your rates. This score tells them how likely you are to file a claim. Homeowners with good credit histories generally pay lower rates than homeowners with poor credit.
Sources
- Consumer Federation of America. "The Dramatic Increase in Homeowners Insurance Premiums and its Impacts on American Homeowners."
- III. "How much homeowners insurance do I need?."
- Public Citizen. "Mapping the Home Insurance Crisis."
- III. "Understanding your insurance deductibles."
- NAIC. "A Consumer's Guide to Home Insurance."
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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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Sara GetmanAssociate Editor