Nebraska Homeowners Insurance

Homeowners insurance shouldn't be confusing. Compare rates from Nebraska by city and carrier below.

Find inexpensive homeowners insurance in Nebraska


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. Homeowners insurance protects your dwelling, personal property, and other buildings from a variety of calamities, including fire, theft, vandalism, or wind damage.

There are major differences in home insurance costs from state to state. Homeowners insurance costs by state vary depending on the total number and value of home insurance claims filed statewide, and depend on the value of the belongings and property you're covering.

The best way to find cheap home insurance in Nebraska is to compare rates and consider policies from as many insurance companies as possible. Learn average home insurance rates in Nebraska via the below data. Your rates may vary, depending on your coverage details.


Nebraska home insurance:
  1. Rates by company
  2. Rates by city
  3. Bundling home and auto insurance


Homeowners insurance prices in Nebraska by company

Prices for home insurance in Nebraska differ depending on which insurance company you choose. Safeco offers the cheapest homeowners insurance in Nebraska — only $2,451 yearly. This compares favorably to Nebraska's average cost of $3,547, providing a $1,096 discount on the state's average rate.

Start looking for a homeowners insurance policy by checking out the cheapest Nebraska insurance companies, listed below.


HOME INSURANCE RATES IN NEBRASKA: BY COMPANY
Insurance CompanyAverage 12-Month Rate in Nebraska
Safeco$2,450.91
Farmers$2,651.53
Travelers$2,712.27
State Farm$2,816.42
American Family$2,910.34


Nebraska home insurance by city

Not all Nebraska cities have the same home insurance rates. Policy pricing depends on city-specific variables, such as the number of local claims filed, meaning your specific ZIP code impact how much you pay.

The cheapest homeowners insurance in Nebraska is found in Lincoln. In Lincoln, the typical home insurance policy costs $2,561 per year — $987 less than the state average. The below cities have the most affordable homeowners insurance in Nebraska.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN NEBRASKA
CityAverage 12-Month Home Insurance Rate
Lincoln$2,560.54
Papillion$2,832.58
La Vista$2,887.21
Bellevue$2,971.41
Nebraska City$2,985.29


How to save: bundle home and auto insurance in Nebraska

If you want to save on homeowners insurance, consider purchasing your home and auto policies from the same insurance company. A home and car insurance bundle in Nebraska can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in Nebraska may earn you yearly savings of $168.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN NEBRASKA
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,272.00$1,104.00$168.0015%


A great way to save is to bundle your auto and homeowners insurance policies. Start shopping today!


Compare rates from top car insurance companies.

Location pin icon

 

Tornado insurance in Nebraska

A tornado can hit without much warning. There isn't much that can be done to prepare and the outcomes can be devastating. As such, it's vital to insure your home against tornadoes in Nebraska, which averages 55 tornadoes per year.*

Tornado damage is usually the result of wind, so verify your current homeowners policy includes some form of windstorm coverage, a standard feature of any average homeowners policy.

Wind protection covers the exterior and overall structure of the building. Depending on your policy type, interior damage may only be covered when it's caused by exterior damage, like a tree branch breaking a window. Also covered are detached structures, usually up to 10% of the home’s insured amount. Please note that other damages resulting from the storm may not be covered. For instance, if your home is damaged from flooding that occurs from the same storm that produces the tornado, your home won't be covered unless you've previously added flood insurance to your policy.

*Source: NOAA'S National Weather Service (https://www.spc.noaa.gov/gis/svrgis/)


Homeowners insurance and hail in Nebraska

Depending on your location, hail can result in varying degrees of destruction to your property. In Nebraska, homeowners policies typically come with hail coverage to insure the structure of your home if it's damaged by a hailstorm.

If your home is located in an area that is notably prone to hailstorms — such as Nebraska, which endured 309 incidents of hail in 2018* — it’s crucial to double-check the details of your insurance policy to see exactly what's covered and what's not — some insurance companies charge more expensive deductibles for hail-prone areas and make exclusions for cosmetic damage, so if your home is damaged but still functional even with aesthetic flaws caused by a hailstorm, your insurer will probably not cover the costs to repair it.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hail)