Nebraska Renters Insurance

Learn more about renters insurance in Nebraska.

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How to get affordable renters insurance in Nebraska

Renters insurance is a great — and cheap! — way to ensure your personal belongings are insured against common incidents. Renters insurance covers belongings from fire or smoke damage, a wind storm, vandalism or theft and an array of other misfortunes.

Unlike auto insurance, renters policies aren’t priced specifically by state. Still, there are relatively substantial gaps in the cost of renters policies by state. Renters insurance rates by state may vary based on the number and total value of renters claims filed in that particular state, and depend on the price of the belongings you're insuring.

Renters insurance in Nebraska is less expensive than the nationwide average. The average annual cost of renters insurance in Nebraska is $165, $20 less expensive than the national average.

The best way to find an affordable renters insurance policy in Nebraska is to compare rates from as many insurance companies as possible. Get an idea of renters insurance costs in Nebraska by referencing the below tables. Your rates may vary, depending on your coverage limits and the valuation of your belongings.

 
Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions
 

Renters insurance prices in Nebraska by company

Prices for renters insurance in Nebraska differ depending on the insurance company you choose. Farm Bureau sells the cheapest renters policies in Nebraska, at just $107 per year. This is less than Nebraska's average cost of $165, providing a 35% price cut on the state's average rate.

Begin the hunt for affordable coverage by viewing average rates from top Nebraska carriers, listed below.

 
AFFORDABLE RENTERS INSURANCE COMPANIES IN NEBRASKA
CompanyAverage 12-Month Rate in Nebraska
Farm Bureau$107
State Farm$110
MetLife$121
Travelers$125
Safeco$139
 

Nebraska renters insurance costs by city

Renters insurance rates in Nebraska vary by city. Rates are determined based on on city-specific variables like the number of claims filed nearby, meaning your specific ZIP code impact how much you pay.

The cheapest renters insurance rates in Nebraska are available in Hastings. The average renters insurance policy in Hastings runs only $163 per year — $50 less than the average policy in other Nebraska cities. The below cities have the most affordable renters insurance in Nebraska.

 
CHEAPEST CITIES FOR RENTERS INSURANCE IN NEBRASKA
CityAverage Yearly Renters Insurance Rate
Hastings$163
Columbus$163
Crete$163
Lexington$163
Seward$163
 

Searching for renters insurance info for a particular city? Have a look at our listof major cities in Nebraska.

  1. Lincoln
  2. Omaha
 

Renters insurance in NE by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Nebraska, the average annual cost difference between these tiers is about $54. If you can afford to insure your personal property at this additional expense, it's an option worth considering.

Coverage LevelAverage Yearly Renters Insurance Rate in Nebraska
$25K Property$138
$50K Property$192

 

Tip: bundle auto and renters insurance in Nebraska

If you're trying to save, consider purchasing your renters and auto policies from the same insurance company. A renters and auto insurance bundle in Nebraska can save you a substantial sum each month on car insurance. Purchasing bundled policies in Nebraska leads to yearly savings of $75.

CAR AND RENTERS BUNDLING DISCOUNTS IN NEBRASKA
Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)Annual Savings ($)Annual Savings (%)
$1,284$1,209$756%

 

Nebraska renters insurance FAQs

 

Is renters insurance required in Nebraska?

There is no state law in Nebraska that requires renters insurance. However, landlords and property management companies commonly include renters insurance coverage as a requirement for renting a property.

What does Nebraska renters insurance cover?

Protection for the home's contents, liability insurance, medical payments to others, and loss of use are all included in a basic renters policy. The rental unit itself is not included, and these coverage options and their corresponding limits can be adjusted depending on your needs.


Need renters insurance? Talk to an expert today.
Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

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