Best and Cheapest Home Insurance Companies in Nebraska

Best cheap home insurance in Nebraska

Nebraska home insurance costs an average of $2,553 per year. Cost is one of many factors to consider when finding the best insurance company for you. We collected thousands of quotes from across every ZIP code in Nebraska to help you compare the best companies by cost, reliability, coverage and customer service.

Cheapest home insurance in Nebraska

The average annual rate for home insurance in Nebraska is $2,553 per year. Rates in Nebraska are 68% higher than the national average of $1,516.

Cheap annual home insurance in Nebraska

Best in Nebraska for most people: American Family

With a 24% savings compared to the Nebraska average, American Family is our top choice for home insurance in Nebraska. Along with having the cheapest rates, American Family offers a variety of discounts to help you save even more.

American Family has a number of add-ons to enhance your policy, such as matching siding protection, which pays to replace all your siding if you can't patch a damaged section to match the rest of your siding.

American Family also has a great customer service rating and convenient online tools to make it easy to file claims online. However, some states do not allow online quotes, so you may have to call an agent.

Best for bundling: Allstate

For Nebraska homeowners looking to bundle their home and auto insurance, Allstate offers great discounts and good coverage. Allstate offers coverage at an average rate of $2,257, which is 12% cheaper than the state average.

You can save even more by bundling home and auto. We found Allstate can offer a 25% discount, which is 8% higher than what we found for other companies. Allstate also offers standard discounts, including loyalty discounts and a claim-free discount.

Allstate has an impressive mobile experience, letting you file claims and make payments online.

However, Allstate received one of the lowest customer service ratings in Nebraska. Allstate received significantly more complaints than the other top companies in the state. Allstate also doesn't offer farm or ranch policies in a state with a considerable number of farmers and ranchers.

Best customer service: Farm Bureau

Farm Bureau offers the best customer service ratings in Nebraska, along with standard discounts and coverage types.

You'll get matched with an agent to handle all of your policies and to help you with claims. Additionally, you can file a single claim if you bundle your policies and an accident damages both your car and your home or property.

For customers who value excellent customer service, Farm Bureau is an excellent choice, with the highest customer satisfaction rating in Nebraska.

However, Farm Bureau's home insurance rates average $2,448 per year, which is on the expensive side among the companies we analyzed. You'll also have to pay an annual membership fee, which is typically around $50, depending on your state.

Nebraska home insurance rates by city

The largest city in Nebraska, Omaha, has an average home insurance rate of $2,379 per year, which is 7% cheaper than the state average. Lincoln, the second-largest city, is 17% cheaper than the state average.

Best home insurance companies in Nebraska

Both Farm Bureau and USAA score top marks for offering good general coverage and excellent customer service.

American Family and State Farm also have strong support ratings in the state.

Most common home insurance risks in Nebraska: Tornadoes, hail and snow

For Nebraska homeowners, tornadoes and flooding pose the greatest risk to homes. Damage from tornadoes and hail is almost always covered by standard home insurance policies, though damage from flooding is not.

Tornadoes

Nebraska experienced six tornadoes in 2021, causing over $4.3 million in damage. Fortunately, most home insurance companies cover wind damage, even if it is the result of a tornado. This is true whether the wind damages your home directly or indirectly.

Hail

Nebraska faced a large amount of hail damage in 2021, and the majority of that damage was through the loss of crops and damage to farms. While property damage from hail in Nebraska cost a little over $2 million in 2021, crop damage from hail cost Nebraskans over $22 million. Luckily, home insurance covers most damage to your home caused by hail.

For farmers, hail damage is not covered under the federal crop insurance program. You may want to consider buying a private hail insurance policy for your farm.

Snow

Snow damage is covered by most home insurance policies, whether that damage comes from the weight of the snow or ice on your roof, or from frozen pipes.

An exclusion for water damage is owner negligence. For instance, if you leave a window open in your home that leads to damage, or you knew there was an insulation or heating problem that caused burst pipes, your claim might be denied.

Frequently asked questions

Methodology

In order to determine the best and cheapest home insurance in Nebraska, we collected quotes from every ZIP code in the state from the largest home insurance companies. Our sample profile was for a $155,800 home built in 1973, matching the median age and value of occupied homes in Nebraska.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Each company's customer service scores were ranked by comparing the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power's home insurance customer satisfaction rankings and our ValuePenguin editor's ratings.