Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Nebraska Average homeowners insurance cost in Nebraska Homeowners insurance in Nebraska costs $4,785 per year or $399 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Nebraska homeowners insurance costs $4,785 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Nebraska. Key Takeaways Homeowners insurance costs an average of $4,785 a year, based on Insure.com analysis.Of all the ZIP codes in Nebraska, 68502 has the most affordable home insurance rates at around $5,465 annually.In Nebraska, American Family provides the most affordable home insurance at an average annual premium of $3,951. Average home insurance cost in Nebraska by coverage levelIn Nebraska, the annual homeowners insurance cost is $4,785, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $4,224 in Nebraska, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Nebraska based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$3,801$317200000 with 1000 Deductible and 300000 Liability and None Deductible$3,809$317300000 with 1000 Deductible and 100000 Liability and None Deductible$4,785$399300000 with 1000 Deductible and 300000 Liability and None Deductible$4,800$400400000 with 1000 Deductible and 100000 Liability and None Deductible$5,942$495400000 with 1000 Deductible and 300000 Liability and None Deductible$5,959$497600000 with 1000 Deductible and 100000 Liability and None Deductible$9,204$767600000 with 1000 Deductible and 300000 Liability and None Deductible$9,227$7691000000 with 1000 Deductible and 100000 Liability and None Deductible$13,383$1,1151000000 with 1000 Deductible and 300000 Liability and None Deductible$13,420$1,118In Nebraska, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in NebraskaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Nebraska based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Farmers Mutual of Nebraska received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreFarmers Mutual of Nebraska$4,701A0.135American Family$3,951A0.374.79Farmers$4,781A0.544.32Allstate$4,224A+0.93.96State Farm$4,520A++0.953.9Nationwide$6,219A+0.873.54Travelers$9,523A++0.543.37Average homeowners insurance cost by company in NebraskaAmerican Family provides the most affordable homeowners insurance in Nebraska, with an average annual premium of $3,951. Allstate and State Farm also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Nebraska with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateAmerican Family$3,951$329Allstate$4,224$352State Farm$4,520$377Iowa Farm Bureau$4,658$388Farmers Mutual of Nebraska$4,701$392Nationwide$6,219$518Farmers$9,976$831Travelers$13,623$1,135USAA$5,220$435Nebraska homeowners insurance rates by ZIP codeIn Nebraska, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Nebraska. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in NebraskaHomeowners insurance costs in Nebraska can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 68502 area has the most affordable insurance rates, at $5,465 annually or $455 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Nebraska.ZIP codeAverage annual rateAverage monthly rate68502$5,465$45568505$5,468$45668506$5,497$45868503$5,509$45968504$5,529$46168522$5,557$46368516$5,562$46368512$5,575$46568521$5,587$46668507$5,614$468Most expensive ZIP codes for home insurance rates in NebraskaYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Nebraska, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Nebraska, 69353 has the highest homeowners insurance rates, at $8,353 per year.Here, we’ve highlighted some of the most expensive ZIP codes in Nebraska for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate69353$8,353$69669355$8,334$69469020$8,045$67069027$8,034$67069034$8,028$66969001$8,010$66869040$8,006$66769024$8,001$66769043$7,978$66569044$7,971$664Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Nebraska by cityBellevueGrand IslandKearneyLincolnOmahaHome insurance rate trend in NebraskaWe analyzed home insurance rate trends in Nebraska and found that homeowners insurance rates experienced an overall increase of 4% or $171, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$3,422$4,614$4,785To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Nebraska.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Nebraska Average renters insurance cost in Nebraska Average car insurance cost in Nebraska Non-owner car insurance in Nebraska How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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