Find the Best Homeowners Insurance Rates and Companies in Nebraska
The median home value in Nebraska is $223,958. If you own a home in Nebraska, chances are your home is your most important asset. You’ll want to protect it from threats like fire, theft, vandalism, and severe weather. What’s more, you’ll want to protect your assets if you are sued for something that happens on your property. You can do this with homeowners insurance in Nebraska.
An independent insurance agent can help you find the best home insurance in Nebraska. Independent agents can help you get quotes from multiple insurance companies so that you can make the best choice for your needs and budget.
Best Homeowners Insurance Companies in Nebraska
There are several insurance companies in Nebraska that offer highly rated homeowners insurance. The following are some of the best homeowners insurance companies in Nebraska. These companies provide a mix of valuable coverage offerings and competitive pricing.
- Progressive: Progressive is based in Ohio, but offers homeowners insurance across all 50 states, including Nebraska. Nebraska residents can look to Progressive for most of their personal insurance needs.
- Nationwide: Nationwide provides homeowners insurance and other popular types of insurance coverage in Nebraska. The company is headquartered in Columbus, OH, and is represented by independent insurance agents in 50 states, including Nebraska.
- Safeco: Safeco has been protecting individuals and families since 1923. The company offers homeowners insurance in Nebraska, as well as a comprehensive range of other personal insurance policies. Working through independent agents, Safeco makes it easy to get the best mix of coverage and pricing.
- Travelers: Travelers offers highly rated homeowners insurance in Nebraska. It can meet your additional personal insurance needs with a full line of products including auto, boat, identity theft, umbrella, and other coverages.
- Stillwater Insurance Group: Stillwater is a national personal and commercial lines carrier with rock-solid financial stability. The company can help you with your homeowners insurance needs in Nebraska.
An independent insurance agent in your area can help you learn more about these and other homeowners insurance companies in Nebraska. A local agent can help you get competitive quotes for the coverage that fits your insurance needs.
What Homeowners Insurance in Nebraska Can Cover
Homeowners insurance in Nebraska protects you from the worst things that can happen to your home.
In Nebraska, you face potential threats to your property all the time, including natural disasters like severe storms and tornadoes. Here are the top 5 property risks in the state:
- Severe storms and lightning
- Flooding and water damage
- Wild fires and residential fires
- Tornados
- Burglary and other property crimes
Homeowners insurance in Nebraska typically covers much of the damage caused by natural disasters, including wind, rain, hail, and fire damage. It also covers damage and other losses caused by a break-in or vandalism. But keep in mind that homeowners insurance in Nebraska does not cover flood damage. For flood coverage, you’ll need to purchase a separate flood insurance policy.
Within a typical Nebraska home insurance policy, you’ll find several coverage categories. These provide coverage for the inside and outside of your home according to your policy specifics. What’s more, your home insurance policy in Nebraska covers expenses related to the temporary loss of use of your home after a covered event and provides liability coverage for when you are faced with a lawsuit or negligence claim.
A homeowners insurance policy typically categorizes coverage and coverage limits as follows.
- Dwelling coverage: Covers your house and attached structures. It also covers items like plumbing, heating, permanently installed air-conditioning systems, and electrical wiring.
- Other structures coverage: Protects other structures on the property such as detached garages, tool sheds, retaining walls, and so on.
- Contents coverage: Protects the contents of your home and other personal belongings owned by you or family members who live with you.
- Loss of use coverage: Helps you with additional living expenses if your home is damaged by a covered peril (e.g., a fire) and you cannot live in your home while repairs are being made. It typically covers expenses like housing, meals, storage, and more, as long as they are in line with your usual living expenses.
- Personal liability coverage: Provides coverage if you or a resident of your household is responsible for causing property damage or an injury to someone else.
You can also customize your policy to cover other risks. You can add coverage for identity theft, sewer and water backup, scheduled personal property, business property, and more.
A local independent insurance agent can help you find homeowners insurance in Nebraska.
What Homeowners Insurance in Nebraska Will Not Cover
Homeowners insurance in Nebraska excludes coverage for certain losses. It does not cover everything that can go wrong with your home or on your property.
First, the liability coverage in your homeowners insurance policy has certain limitations. If you hurt someone because of an intentional act, your liability coverage will not cover you. You can find all the exclusions to your liability coverage in your policy documents.
Moreover, your property coverage will not cover every type of property damage you might encounter. Almost all homeowners insurance policies in NE exclude coverage for property damage caused by the following:
- Ordinance or law (e.g., demolition or construction required to bring your house up to code)
- Earth movement (e.g., earthquakes, sinkholes, landslides)
- Water damage due to floods, sewer backups, and water that seeps through the foundation
- Power failure
- Neglect
- War
- Nuclear hazard
- Intentional acts
- Governmental action (e.g., destruction, confiscation, or seizure of covered property by any governmental or public authority)
- Loss to property resulting from faulty zoning, bad repair or workmanship, faulty construction materials, and defective maintenance
To avoid any surprises down the road, be sure to understand what your home insurance in NE does and does not cover when you decide to purchase a policy.
Flood Damage in Nebraska
Flooding can be a significant concern for many homeowners, but Nebraska homeowners insurance does not cover flood damage.
Flooding can be a problem in some areas of Nebraska. In fact, it is one of the top five risks for homeowners in the state. Some areas of the state will have a higher likelihood of flooding than others.
It’s important to discuss your need for supplemental flood insurance with your independent insurance agent.
If necessary, your agent can help you purchase flood insurance from the National Flood Insurance Program (NFIP), a program established by the federal government to help homeowners recover after a flood event.
Average Cost of Homeowners Insurance in Nebraska
Nebraska is the 10th most expensive state for home insurance. The average cost of homeowners insurance in Nebraska is higher than the national average.
- National average yearly premium: $1,211
- Nebraska average yearly premium: $1,481
Of course, your home insurance cost will be more or less than the average for homeowners in Nebraska. And you can still shop around for the best local rates.
It’s important to know that your insurance premiums are calculated according to your exact coverage needs and your home's unique characteristics and risk factors. The age, size, value, and materials used to build your home help insurance companies determine how much it would cost to replace it if it were severely damaged or destroyed.
Insurance companies also evaluate your city's crime rate and weather risks, history of natural disasters, and your prior claims history to determine your home insurance premium.
A local independent insurance agent can help you get home insurance quotes in Nebraska.
Average Nebraska Home Insurance Costs by City
Homeowners insurance costs vary by city just like they vary from home to home, and state to state. If you live in a city with a high crime rate or a history of natural disasters, you’ll likely pay more for homeowners insurance than someone who lives in a very safe city. Residents of larger cities often pay more than those who live in rural areas. In Nebraska, residents of Gretna see much higher home insurance costs than residents of Lexington, where coverage is, on average, much more affordable.
Average Nebraska Home Insurance Costs by City
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,428 year
| City | Annual insurance cost | Avg. home value | Burglaries (per 1k residents) |
| Alliance | $951 | $105,600 | 3.75 |
| Beatrice | $1,032 | $106,600 | 5.87 |
| Bellevue | $1,336 | $148,900 | 2.03 |
| Blair | $1,425 | $148,500 | 2 |
| Columbus | $1,245 | $145,400 | 2.64 |
| Crete | $1,061 | $97,400 | 3.77 |
| Fremont | $1,163 | $132,700 | 3.42 |
| Gering | $1,184 | $138,200 | 3.9 |
| Grand Island | $1,320 | $140,800 | 7.9 |
| Gretna | $1,595 | $185,500 | 0.22 |
| Hastings | $1,119 | $119,800 | 6.74 |
| Kearney | $1,573 | $178,900 | 2.71 |
| La Vista | $1,351 | $154,300 | 1.39 |
| Lexington | $845 | $92,400 | 3.83 |
| Lincoln | $1,520 | $169,800 | 4.81 |
| McCook | $884 | $109,000 | 5.29 |
| Nebraska City | $1,374 | $117,000 | 20.71 |
| Norfolk | $1,193 | $145,400 | 1.95 |
| North Platte | $1,112 | $118,900 | 5.89 |
| Omaha | $1,472 | $159,700 | 6.84 |
| Papillion | $1,589 | $189,900 | 0.77 |
| Scottsbluff | $1,073 | $116,600 | 7.13 |
| Seward | $1,362 | $158,700 | 0.45 |
| York | $1,160 | $132,300 | 5.37 |
Popular Questions about Nebraska Home Insurance
The national average homeowners insurance premium is $1,211. Nebraska is ranked 10th in the nation for home insurance rates. That means that with an average annual premium of $1,481, homeowners insurance rates in Nebraska are higher than those in most other states. Most homeowners will pay more or less than average, depending on the specific risk factors for their home and neighborhood.
The main purpose of homeowners insurance is to cover property damage. Home insurance policies in Nebraska will include dwelling coverage, other structures coverage, contents coverage, and loss of use/additional living expenses coverage.
Homeowners insurance in Nebraska also includes homeowners liability coverage. It protects you when someone claims you have caused an injury or property damage. It covers the injured party's expenses (e.g., medical bills, property repairs) and your legal fees if you're sued. After a lawsuit, it can even cover financial settlements or court-ordered judgments.
The state of Nebraska does not require you to purchase homeowners insurance. But your mortgage lender will require you to have homeowners insurance and will require proof that you have it. With over $698 million in home insurance claims paid in Nebraska in one year alone, proper home insurance protection is necessary to avoid major losses.
Insurance companies calculate home insurance rates in Nebraska by looking at your home, the risk factors for your city and neighborhood, and your specific coverage needs.
If, for example, you live in a ZIP Code with a high crime rate or that is highly susceptible to natural disasters, you can expect to pay more than someone living in a safer area. If your home or neighborhood has a prior history of severe storms (there are around 30 per year in Nebraska) or tornadoes (57 per year in Nebraska), you’d likely pay more than someone who lives in an area where these events happen less frequently or not at all.
Yes, Nebraska currently has 294 independent insurance agencies who can help you find appropriate home insurance coverage. They can offer quotes from multiple insurance companies, free of charge.
There are several insurance companies in Nebraska who can provide homeowners insurance. You can choose from companies that offer a highly rated mix of valuable coverage offerings and competitive pricing.
Some of the best homeowners insurance companies in Nebraska are Nationwide, Travelers, Progressive, Safeco, and Stillwater Insurance Group.
Searching for the best and most affordable homeowners insurance in Nebraska can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.
Instead of getting an online quote, find an independent insurance agent in Nebraska now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
Contact an agent today for a free, no-obligation consultation.
There are many reasons why homeowners insurance can be more expensive in Nebraska, but the primary reason is that Nebraska experiences more severe weather than many other states in the nation. Severe storms, tornadoes, and even flooding have a serious impact on the state and cause billions in property damage. Homeowners in the state typically pay more than the national average for home insurance because of this increased risk.
Do You Know What Your Home Insurance Covers in Nebraska?
Average Cost of Home Insurance Near You
Average monthly rate of homeowners insurance in Bellevue: $111
Your specific home insurance premiums could be higher or lower than this average, depending on many factors, including your home's ZIP Code, age, size, and value. Comparing rates from multiple carriers helps you be sure that you are not overpaying for your coverage.
Your Bellevue home insurance covers a variety of risks you may face as a homeowner in this city. If the wind blows a tree over and it smashes your roof, you can file a claim with your home insurance provider and receive money to make repairs. If you have valuables that were destroyed during the event, your insurance can pay to replace those, too.
Average monthly cost of homeowners insurance in Columbus: $104
Of course, every homeowner will pay a customized premium that is based on their home's unique factors like its age and value, the materials used in its construction, and the crime rate in the ZIP Code in which it is located. You can therefore expect your quoted rates to be considerably higher or lower than this average. When you compare rates from multiple insurance companies, you can be sure that the policy you choose comes at the right price.
Columbus home insurance can help you protect the investment you have made in your home by covering many of the risks that can lead to expensive losses. It can cover property crimes, liability problems, and severe weather events. Storms that bring strong winds can cause serious damage to local homes. If the wind has resulted in missing shingles or fallen trees, you can rely on your homeowners insurance policy to cover the cost of repairs to your home and the replacement of lost or damaged property.
Average monthly cost of homeowners insurance in Fremont: $97
Your rate could be more or less, depending on several factors that are used by insurance companies to assess risk and assign rates. These include your house's size and building materials, the local crime rate, your credit score, and the amount of coverage you are purchasing.
Your Fremont homeowners insurance covers against many risks that can otherwise lead to excessive financial losses. These include property crimes, accidental fires, liability lawsuits, and severe weather events. If a hailstorm sweeps through the area, battering your home with large hailstones, your roof may be severely damaged. Fortunately, homeowners insurance covers hail damage so you can file a claim and get the money you need to make repairs or replace your roof.
Average monthly cost of homeowners insurance in Hastings: $93
Your actual cost could be considerably higher or lower, depending on factors like your credit score, your previous home insurance claims, and the age, value, and structure of your home. Each insurance company has a proprietary method of calculating rates, so it is worthwhile to compare rates from a few insurers before making a purchase.
While your Hastings home insurance can cover you against things like property crimes, accidental fires, and liability lawsuits, for residents of this city, the biggest risk comes from severe weather events. Imagine that one of Nebraska's tornadoes passes through your area, tearing the roof off your home and causing a tree to fall into your dining room. When the storm passes, the devastation is a nightmare, but you can at least feel some peace in knowing that your home insurance can pay to make repairs and replace your ruined belongings.
Average monthly cost of homeowners insurance in Kearney: $131
Rates vary for each homeowner, so you could end up paying a little more or a little less than this average. Your premium will be based on several factors such as the size and age of your home, the crime rate in your ZIP Code, your credit score, and the amount of coverage you are purchasing. When you compare rates, you can be sure you are getting your coverage at a competitive price.
Kearney homeowners insurance provides coverage against a number of hazards, including accidental damage. Imagine that you forgot to turn off a burner on your stove, and a neighbor calls to alert you that your home is a raging inferno. A home fire can be devastating, but homeowners insurance gives you a backup plan. It pays to rebuild your home, replace damaged property, and cover the cost of accommodations for you and your family in the meantime.
Average monthly cost of homeowners insurance in Lincoln: $127
Your actual quoted rates could be significantly less or more than this amount. That is because your costs are calculated by insurers according to many factors such as the size and age of your house, your credit score, and the amount of coverage you are purchasing. Compare rates to find the policy that offers the coverage you need at the best price.
Your Lincoln homeowners insurance policy is designed to cover you against financial losses related to many of the risks you face as a homeowner. These include liability lawsuits, severe weather, fires, and property crimes. If you go on a long vacation and come home to find that you were robbed, there’s no need to panic. Your home insurance can cover the cost of the items that were stolen so that you can replace them.
Average monthly cost of homeowners insurance in Norfolk: $99
Bear in mind, however, that your actual costs may be significantly less or more than this average. Rates are calculated individually according to several factors such as your home’s age, value, and construction, and your claims and credit history. Each insurer has a different way of determining rates, so it pays to compare a variety of quotes.
Your Norfolk insurance can cover damage caused by most major weather events as well as liability lawsuits and property crimes. Given the low crime rate in the city, it is unlikely that you will experience a burglary in your home, but if you do, be sure to get a police report and compile a list of lost and damaged items to submit to your insurance company. That way, you can be compensated for your losses.
Average monthly cost of homeowners insurance in North Platte: $93
Keep in mind, however, that your actual premium could be significantly higher or lower than this average. That is because insurance companies use a number of variables to assess risk and assign rates. Your rates will depend on several factors such as the size and age of your home, your credit score, your previous home insurance claims, and the amount of coverage you are purchasing.
Your North Platte homeowners insurance policy can cover the costs associated with a number of risks you may face as a resident of this city. It can cover against property crimes, liability lawsuits, and natural as well as man-made damage. If lightning hits your home and causes a fire, you can file a claim with your home insurance company and get the money you need to repair the damage and replace lost or damaged items.
Average monthly cost of homeowners insurance in Omaha: $123
There are several variables that impact home insurance rates in Omaha. Details like your home's size, age, and value, along with the local crime rate and even your credit score, will all be used by insurance companies to determine your personal premium. You can therefore expect your rate to be considerably higher or lower than this average.
Omaha home insurance covers several risks you face as a homeowner. These include weather-related damage, accidental fires, liability lawsuits, and property crimes. If someone breaks into your house while you're out of town and steals your TV and computer, you can file a claim with your homeowners insurance to get the money you need to replace the stolen items.