The Best and Cheapest Homeowners Insurance Companies in Nebraska (2026)
State Farm has the cheapest home insurance for most people in Nebraska, at an average of $3,151/yr. | ||
Home insurance in Nebraska costs an average of $4,956/yr, making it the second-most expensive state in the country | ||
Nebraska experiences more severe weather, including hail, tornadoes and other types of windstorms, than most other states. |
State Farm has the cheapest home insurance for most people in Nebraska, at an average of $3,151/yr. | ||
The average cost of home insurance in Nebraska is $4,956/yr. Home insurance is expensive in part because of the high number of tornadoes and hailstorms in the state. |
Find Cheap Home Insurance Quotes in Nebraska
Who has the best cheap homeowners insurance in Nebraska?
Who has the cheapest home insurance in Nebraska?
State Farm offers the cheapest home insurance in Nebraska for most homeowners.
Find Cheap Home Insurance Quotes in Nebraska
- State Farm offers the cheapest homeowners insurance rates in NE for most people. Coverage from State Farm can cost 30% to 46% less than the statewide average, depending on how much it would cost to rebuild your house.
- American Family is another good, cheap option for smaller homes, plus the company offers a wide range of ways to add to your coverage. If your house costs $350,000 or less to rebuild, your rates could be at least 8% cheaper than average.
- Nationwide is the cheapest option in the state if you have a new home. You could save one-third off the state average, which translates to about $830 per year in savings.
Cheap annual home insurance quotes in NE
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| State Farm | $2,287 | ||
| American Family | $2,545 | ||
| Nationwide | $2,801 | ||
| Farmers | $3,294 | ||
| Allstate | $3,736 | ||
| Farm Bureau | $5,540 | ||
| USAA | $2,585 | ||
Key takeaways
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Nebraska home insurance rates went up 7% in 2025, which was considerably less than the year before. In 2024, rates in Nebraska went up by nearly 23%, up from around 15% in 2023.
The jumps are likely tied to a run of destructive storms that hit the state in each of the past three years. In both 2023 and 2024, Nebraska experienced four severe storms that caused around $2 billion in damage each year.
- Nationwide and Liberty Mutual have raised rates the most across the past five years, with both companies more than doubling their prices. USAA, Farmers and State Farm had the most stable rates, increasing prices between 27% and 46% within that time frame.
- Hail and storms do the most damage to homes in Nebraska. Home insurance will almost always pay for damage after storms and from hail. But it's still a good idea for Nebraska homeowners to make sure their homes are well maintained to help prevent serious damage.
Best NE home insurance for most people: State Farm
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Annual cost$3,151Average rate for a $350,000 home
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Monthly cost$263Average rate for a $350,000 home
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Customer complaints Average
State Farm offers solid coverage and the cheapest home insurance rates in Nebraska.
A State Farm homeowners policy in Nebraska costs $3,151 per year on average for $350,000 of dwelling coverage. That's 36% per year cheaper than the Nebraska state average.
How much is State Farm insurance in Nebraska?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $2,287 | 30% cheaper |
| $350,000 | $3,151 | 36% cheaper |
| $500,000 | $3,964 | 40% cheaper |
| $1 million | $5,937 | 46% cheaper |
State Farm is also an excellent choice for bundling home and car insurance in Nebraska. On top of the company's cheap home insurance rates, it also offers low car insurance rates.
When you bundle the two policies with State Farm, you'll get a discount on both. On average, you'll save 27% on your home insurance and 18% on your car insurance.
State Farm has agents in 80 Nebraska cities. If you want a local agent to help you pick out coverage, State Farm could be a good option.
Best home insurance in NE for extra coverage: American Family
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Annual cost$4,575Average rate for a $350,000 home
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Monthly cost$381Average rate for a $350,000 home
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Customer complaints High
American Family has lots of extra coverage options to help you personalize your policy.
That includes add-ons for sewer backup, vacant homes, vacation homes and short-term home rentals.
Nebraska homeowners who choose American Family may want to add the company's "matching undamaged siding" coverage to their policies. If your siding is damaged but there's no good match available, American Family will pay to replace the undamaged siding to match. That way, your house's siding is consistent instead of patchy.
American Family has cheap rates for homes that need $350,000 or less in dwelling coverage. You can also add several discounts to help you get an even cheaper rate, including savings for bundling, renovating your home or going paperless. You can even save if your parents had an American Family policy.
Best home insurance in Nebraska for new homes: Nationwide
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Annual cost$4,423Average rate for a $350,000 home
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Monthly cost$369Average rate for a $350,000 home
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Customer complaints High
If your home is newly built, Nationwide has the best rates and good coverage.
How much is new home insurance in Nebraska?
Company | Annual rate | ||
|---|---|---|---|
| Nationwide | $1,685 | ||
| State Farm | $1,797 | ||
| Allstate | $2,547 | ||
| American Family | $2,767 | ||
| Farmers | $3,071 | ||
| Farm Bureau | $4,693 | ||
| USAA | $1,071 | ||
Rates are for a home built in 2025.
Nationwide also offers lots of add-ons to personalize your coverage, plus good discounts to help you save. You have the option to add equipment breakdown coverage, service line coverage, identity theft protection and more. Nationwide can even help you get flood coverage from the National Flood Insurance Program (NFIP). You might be able to save by having a new roof, living in a gated community and being a new homebuyer.
Top-rated home insurance companies in Nebraska
Nebraska's top-rated home insurance company is USAA because of a good combination of cheaper-than-average rates, good coverage options and customer service.
But USAA is only an option if you are a military servicemember, veteran, a spouse or child of a USAA member, or an employee of certain federal agencies. State Farm and Nationwide are the next-highest rated if you can't get USAA coverage.
Company |
Rating
|
Complaints
|
|---|---|---|
| USAA | Low | |
| Nationwide | High | |
| State Farm | Average | |
| Allstate | Average | |
| American Family | High | |
| Farm Bureau | Low | |
| Farmers | Average | |
| Farmers Mutual of Nebraska | High |
How much does home insurance cost in Nebraska?
Home insurance in Nebraska costs an average of $4,956 per year.
That's more than double the national average, $2,395, making Nebraska the second-most expensive state for home insurance coverage.
Average cost of home insurance in NE
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $3,255 |
| $350,000 | $4,956 |
| $500,000 | $6,654 |
| $1,000,000 | $10,901 |
Nebraska home insurance rates by city
Springview has the cheapest average rate in the state, at $4,363 per year.
Home insurance in Omaha costs an average of $4,930 per year, which is right in line with the state average. Quotes in Lincoln, the state capital, average $4,510 per year. That's about 9% cheaper than the Nebraska statewide average.
State Farm is the cheapest option in 95% of the cities and towns in the state. Nationwide is the cheapest in some places near Nebraska's western border.
Find Cheap Home Insurance Quotes in Nebraska
Cheapest annual home insurance quotes in NE by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Abie | $4,903 | State Farm | $3,078 |
| Albion | $4,972 | State Farm | $3,097 |
| Alda | $5,250 | State Farm | $3,516 |
| Alexandria | $5,020 | State Farm | $3,078 |
| Allen | $4,600 | State Farm | $2,877 |
| Alliance | $5,027 | Nationwide | $3,193 |
| Alvo | $4,728 | State Farm | $3,078 |
| Amelia | $4,594 | State Farm | $3,078 |
| Ames | $4,945 | State Farm | $3,078 |
| Amherst | $5,493 | State Farm | $3,450 |
| Angora | $4,948 | State Farm | $3,078 |
| Anselmo | $5,495 | State Farm | $3,078 |
| Ansley | $5,598 | State Farm | $3,259 |
| Arapahoe | $5,360 | State Farm | $3,581 |
| Arcadia | $5,502 | State Farm | $3,078 |
| Archer | $5,242 | State Farm | $3,078 |
| Arlington | $4,899 | State Farm | $3,026 |
| Ashby | $4,755 | State Farm | $3,078 |
| Ashland | $4,929 | State Farm | $3,083 |
| Ashton | $5,068 | State Farm | $3,078 |
| Atkinson | $4,776 | State Farm | $2,758 |
| Atlanta | $5,467 | State Farm | $3,078 |
| Auburn | $4,509 | State Farm | $3,091 |
| Aurora | $5,762 | State Farm | $3,478 |
| Axtell | $5,707 | State Farm | $3,537 |
| Ayr | $5,812 | State Farm | $3,621 |
| Barneston | $4,846 | State Farm | $3,078 |
| Bartlett | $4,735 | State Farm | $3,078 |
| Bartley | $5,514 | State Farm | $3,625 |
| Bassett | $4,634 | State Farm | $2,654 |
| Battle Creek | $4,946 | State Farm | $3,005 |
| Bayard | $5,156 | Nationwide | $3,226 |
| Beatrice | $4,716 | State Farm | $3,553 |
| Beaver Crossing | $5,039 | State Farm | $3,302 |
| Bee | $4,840 | State Farm | $3,078 |
| Beemer | $4,795 | State Farm | $2,941 |
| Belden | $4,672 | State Farm | $3,078 |
| Belgrade | $5,328 | State Farm | $3,132 |
| Bellevue | $4,509 | State Farm | $2,943 |
| Bellwood | $4,795 | State Farm | $3,159 |
| Belvidere | $5,014 | State Farm | $3,078 |
| Benedict | $4,998 | State Farm | $3,078 |
| Benkelman | $5,342 | State Farm | $3,334 |
| Bennet | $4,708 | State Farm | $3,172 |
| Bennington | $5,012 | State Farm | $2,984 |
| Bertrand | $5,482 | State Farm | $3,484 |
| Bingham | $4,980 | State Farm | $3,078 |
| Bladen | $5,532 | State Farm | $3,078 |
| Blair | $4,910 | State Farm | $3,036 |
| Bloomfield | $4,482 | State Farm | $2,810 |
| Bloomington | $5,430 | State Farm | $3,078 |
| Blue Hill | $5,748 | State Farm | $3,617 |
Rates are for a policy with $350,000 of dwelling coverage.
Home insurance in Nebraska is more expensive than home insurance in the states around it. In Kansas, a policy with $350,000 of coverage costs $4,095 per year, on average. And in South Dakota, the same coverage costs an average of $3,258 per year.
Nebraska is known for its severe weather, which likely pushes up rates. When homes are more likely to be damaged, claims are more likely to be filed, so home insurance companies charge higher rates to compensate.
What home insurance do I need in Nebraska?
Homeowners in Nebraska will need, at the very least, coverage for storms, wind and hail because those events are common and cause the most damage in the state.
Fortunately, a regular home insurance policy should cover you after those events. That said, it's a good idea to talk to your insurance company or agent to make sure there are no special restrictions or extra costs like a hail deductible .
Is wind damage covered by home insurance in Nebraska?
Home insurance in Nebraska should pay for damage from wind and tornadoes. In some cases, companies will require a separate deductible for wind damage.
So, even if you've met your annual homeowners insurance deductible for another reason, you could still have to pay several thousand dollars out of your own pocket before your insurance pays for wind or tornado damage.
Is hail damage covered by home insurance in Nebraska?
Hail damage is usually covered by your home insurance, but it might not pay for "cosmetic damage."
That means if hail breaks a window or knocks shingles loose, you'll likely be covered. But if it just dents your siding, you often have to pay for that yourself, or get extra coverage to repair it.
Is snow damage covered by home insurance in Nebraska?
Nebraska regularly sees heavy snowfalls during the winter months. Your standard home insurance policy will cover snow-related damage.
However, it's important to take precautions, such as shutting off your water and insulating your pipes if you plan on being away from home during freezing weather. Otherwise, your company may deny your claim because you were partially responsible for the damage.
Tips to save money on your Nebraska home insurance policy
You can save on your Nebraska homeowners insurance by taking advantage of discounts, comparing quotes and raising your deductible.
Most Nebraska home insurance companies offer several discounts. For example, you may qualify for a discount if you have a fire or burglar alarm installed in your home. Other common discounts include going a certain number of years without filing a claim, switching to a different company, and bundling your home and auto or motorcycle policies.
Some companies will lower your rate for making improvements that help your home stand up better to wind and hail. Not only is that a valuable discount, but it can make recovery easier should you get hit with one of the state's many severe storms.
Shopping around can save you hundreds or even thousands of dollars per year. The difference between the cheapest and most expensive companies is more than $5,000 per year.
It's possible to lower your monthly rate by raising your deductible. Keep in mind that you have to pay your entire deductible before your home insurance coverage starts. That means you should never raise your deductible beyond what you can easily afford to pay for from your savings.
Surging Nebraska insurance costs
Home insurance prices have increased by around 68% in Nebraska over the last five years.
Nebraska homeowners have seen a sharp rise in their home insurance prices in recent years, experiencing increases of nearly 23% in 2024 and more than 7% in 2025.
Nebraska home insurance rate changes between 2021 to 2025
Year | Avg. rate increase |
|---|---|
| 2021 | 4.79% |
| 2022 | 6.00% |
| 2023 | 14.82% |
| 2024 | 22.89% |
| 2025 | 7.02% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The growing number of natural disasters along with the costs to repair and rebuild after these significant weather events are the two main factors behind the increase in home insurance costs.
Nationwide more than doubled its rates over the last five years, with a price increase of 138%. USAA had the lowest rate hike at 26.5%.
Frequently asked questions
What's the cheapest company for home insurance in Nebraska?
State Farm has the cheapest home insurance coverage in Nebraska for most people, with an average rate of $3,151 per year for $350,000 in dwelling coverage. It has the most affordable rates for other coverage levels, too. Plus, State Farm has local agents that can help you build the right kind of coverage for your needs.
What's the average cost of homeowners insurance in Nebraska?
Home insurance in Nebraska costs $4,956 per year, on average. That's more than double the national average. In fact, Nebraska has the second-highest average home insurance rate in the country.
Why is Nebraska home insurance so expensive?
Nebraska has the second-most expensive home insurance rates in the nation primarily because of its comparatively high number of natural disasters and the rising cost of construction labor and materials. The growing number of natural disasters and severe weather events in Nebraska and elsewhere in the country is likely linked to climate change.
Methodology
To find the best homeowners insurance in Nebraska, ValuePenguin got quotes from seven of the top companies in 588 residential ZIP codes in the state. All quotes are for a 45-year-old married man who doesn't have any home insurance claims on his record. The home used in the quotes is 45 years old and has 2,016 square feet, which is representative of the average home in Nebraska. New home rates are for a home built in 2025.
The quotes are for policies with the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
The home insurance rates featured in this article are from Quadrant Information Services. Quadrant uses publicly sourced insurance rate filings in its database. The rates in this article are for comparison purposes only. Your home insurance quotes will be different and based on your unique situation.
ValuePenguin's star ratings take into account each company's rates, coverage options, discounts, unique features and customer service. Service info includes complaint data from the National Association of Insurance Commissioners (NAIC) and scores from J.D. Power's home insurance customer satisfaction and claims satisfaction surveys.
Sources:
About the Author
Managing Editor
Ben Breiner is the Managing Editor of ValuePenguin/LendingTree's insurance vertical. He oversees a team of writers who focus on guiding readers through the rigors of home and auto coverage. He still loves that moment when the words fall together and he can translate an intimidating topic so a reader can make the best choice.
Ben got involved in insurance in 2021 when he joined ValuePenguin. He moved up from writer to editor and watched the team grow to expand the ways it helps consumers. Before that, he spent a decade as a sportswriter for newspapers in the Southeast and Midwest.
Ben had to put off buying his first car because of high insurance rates, so he's keenly aware how the wrong policy can get in the way of your goals. He should've shopped around and looked to the experts.
Insurance tip
Always keep an eye out for insurance you can load up on at a low price. A lot more liability coverage won't break the bank and protects your hard-earned assets.
Expertise
- Car insurance
- Home insurance
- Renters insurance
Education
- BA, Economics and Journalism, University of Wisconsin-Madison
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
