Renters Insurance

Who Has The Cheapest Renters Insurance in Nebraska?

Who Has The Cheapest Renters Insurance in Nebraska?

Nationwide offers the cheapest renters insurance in Nebraska, at an average of $140 per year or $12 per month.

The average cost of renters insurance in Nebraska is $178 per year, or $15 per month.

Compare Renters Insurance Quotes in Nebraska

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Renters insurance is an affordable way for Nebraskans to protect their belongings. We analyzed more than 120 quotes from across the state to find the best renters coverage to fit your needs.

Cheapest renters insurance in Nebraska

Nebraska's cheapest renters insurance is offered by Nationwide, which, at an average of $12 per month, is 21% cheaper than the state average.

Amica and Allstate also have rates cheaper than the state average of $15 per month. Farmers has the most expensive policies we found.

A bar graph showing the average costs of renters insurance in Nebraska

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Nebraska's renters insurance rates are cheaper overall than the national average cost. It costs 16% less, on average, to rent in the Cornhusker State.

Company
Monthly cost
Nationwide logo
Nationwide$12
Amica logo
Amica$13
Allstate logo
Allstate$13
Travelers logo
Travelers$15
Farmers logo
Farmers$22

Methodology

Best renters insurance for most people: Nationwide

Nationwide offers Nebraska's lowest rates and a wide variety of policy add-ons.
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Read our full review of Nationwide home insurance.

The good:

  • The best prices we found in Nebraska
  • Multiple coverage add-ons

The bad:

  • Below-average customer service
  • Limited discounts

Nationwide is the best renters insurance company for most people in Nebraska. It had the lowest prices we found statewide and a good set of coverage options, too.

The average price we found for renters insurance from Nationwide was $12 per month. That's 21% lower than the average price statewide, saving you $32 per year. It was also $17 less per year than the second-cheapest option, Amica.

We liked Nationwide's coverage options, too. Customers can add to their policies with protections for damage from water backups, identity theft and valuable items. The company also offers replacement cost coverage, which lets you buy new items instead of older ones to replace damaged property.

The biggest disappointment with Nationwide in Nebraska is below-average customer service. The company receives more complaints than expected for a company its size, according to National Association of Insurance Commissioners (NAIC) complaint data, and middling ratings in J.D. Power's customer satisfaction survey.

Best customer service: Amica

Amica offers the best service to its customers and has below-average rates.
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Read the full review.

The good:

  • Top customer service
  • Below-average prices

The bad:

  • Limited coverage options

For renters who want customer service that's easy to deal with in Nebraska, we recommend Amica. The company is well-rated in terms of satisfied customers and has rates that are cheaper than average.

Amica receives only about 12% of the customer complaints expected for a company its size and is well-rated by ValuePenguin's editors. Customer service is an important part of your insurance experience, because when an event disrupts your life, good support will reduce extra frustrations and barriers to getting things back to normal.

The typical price for coverage at Amica is $13 per month. That's 11% lower than the average statewide but still slightly more expensive than our top pick.

Coverage options are the biggest drawback with Amica: The company only offers coverage for valuable items, identity theft and replacement cost coverage. You won't be able to purchase protection for events like water backups or equipment breakdowns.

Best for older renters: Allstate

Allstate has rates that are cheaper than average and a considerable discount for older renters.
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Read our full review of Allstate Insurance.

The good:

  • Good discount for older renters
  • Below-average rates

The bad:

  • Unimpressive customer service
  • Limited coverage options

Older renters on a budget in Nebraska should take a look at Allstate. The company offers a good discount for retirees, along with cheap rates.

Allstate's average rate in the state is $13 per month, 11% cheaper than the state average overall. The company also offers an unusual discount, up to 25% off if you are 55 years old and not seeking full-time employment. If you're on a fixed income, this could be a good option.

The main drawback of Allstate is it doesn't offer some of the more common coverage options or discounts. You cannot get replacement cost or earthquake coverage, and you won't get a break on rates by being claim free or adding security devices to your home.

Nebraska renters insurance: Costs by city

Scottsbluff, a small town on the state's western edge, has the lowest average renters insurance rates among Nebraska's larger cities, $170 per year.

Gering, which is next to Scottsbluff, has the highest rates in the state. Omaha, the state's largest city, has rates on the higher end, $188 per year, while Lincoln, Nebraska's capital, is lower, at $177 per year.

We found a very narrow range of renters insurance costs in Nebraska. The typical monthly cost of coverage varied by only $2 per month or less by city.

The cost of renters insurance can vary based on where you live. Residents of a city that frequently experiences tornadoes or flooding might pay more for renters insurance; residents of a city with very low crime rates might pay less.

City
Average annual cost
Difference from state average (%)
Alliance$171-4%
Beatrice$175-2%
Bellevue$1801%
Blair$172-4%
Columbus$173-3%
Show All Rows

Customer service: Top-rated companies in Nebraska

Amica and USAA are the top Nebraska renters insurance companies for customer service, because both have a low rate of customer complaints.

Both companies also received high ratings from ValuePenguin's editors, and USAA is the top company in the J.D. Power renters insurance customer satisfaction survey. However, USAA is only available to members of the military, veterans and some members of military families.

Company
Rating
USAA
Amica
Nationwide
Farmers
Allstate
Travelers

Dependable service from your renters insurance company is essential, particularly when filing a claim. Good service will mean you're paid promptly and fairly after you've filed a claim, and your questions will be answered throughout the process.

Coverage options: Comparing renters insurance policies and benefits

Every renter's coverage needs are different — some people might need extra liability protection, while others might need coverage for valuables. We looked for renters insurance companies that offer a wide range of coverage options that are likely to be useful for many renters.

Here are a few renters insurance coverage options to consider:

  • Replacement cost coverage: Pays for the full cost to replace a destroyed or stolen item, without factoring in depreciation.
  • Identity theft protection: Pays for expenses associated with having your identity stolen, such as legal fees or lost wages due to addressing the issue.
  • Valuable items coverage: Covers the full cost of expensive items like jewelry or musical instruments, which may not be covered by a typical renters insurance policy.

In addition, all the companies we considered offered the following standard coverages.

  • Personal property coverage: Pays to repair or replace property that is stolen, damaged or destroyed due to a covered peril.
  • Additional living expenses: Pays for a hotel or other temporary living arrangement if your home is uninhabitable.
  • Liability coverage: Pays for monetary damages to others that you're responsible for, like if your dog injures someone.
  • Medical payments coverage: Pays for medical expenses of others due to injuries that happen on your property, regardless of who is at fault. Pays out before liability coverage.

Frequently asked questions

How much is renters insurance in Nebraska?

The average cost of renters insurance in Nebraska is $15 per month, or $178 per year.

How much does renters insurance cost in Lincoln?

Renters in Lincoln pay an average of $15 per month, or $177 per year. That's slightly less than the state average.

How much is renters insurance cost in Omaha?

Omaha renters pay an average of $190 per year, or $16 per month. That's 7% higher than the state average.

Methodology

To find the absolute best price possible for renters insurance, we collected renters insurance quotes from five major insurers in 25 cities across the state of Nebraska. In all cases, the sample renter lives alone and has not had any recent renters insurance claims. He's protected himself with $30,000 of personal property coverage with a $500 deductible, plus $100,000 of liability protection.

To evaluate renters insurance companies in Nebraska, we considered three main criteria: affordability, coverage options and service.

  • Affordability: Does the insurer charge a fair price for its coverage?
  • Coverage options: Does the insurer offer a wide range of useful coverage options?
  • Customer service: Are customers generally happy with the service they receive?

To evaluate customer service, ValuePenguin combined three metrics into an overall rating out of five stars.

  • NAIC complaint index: This score compares the size of an insurance company with the number of complaints it's received. A lower score means customers have filed fewer complaints and are likely to be happier with their service.
  • J.D. Power rating: This rating is based on a national survey of renters insurance customers, asking how satisfied they are with their insurance.
  • ValuePenguin editor's rating: ValuePenguin editors weigh multiple aspects of insurance companies to build a well-rounded assessment of the company's quality overall.

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.