Nebraska Renters Insurance

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

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 car 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.


Renters insurance in Nebraska:

  1. Rates by company
  2. Rates by city
  3. Bundling discounts
  4. 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.


THE MOST 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 prices 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.


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

Nebraska renters insurance pricing 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

How to bundle renters and auto 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.


RENTERS AND AUTO INSURANCE BUNDLING SAVINGS IN NEBRASKA
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,284$1,209$756%


One of the best ways to save on auto insurance is to bundle your policies. Get started today!


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

  1. Lincoln
  2. Omaha

Nebraska renters insurance FAQs


Does Nebraska require renters insurance?

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 LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.