Average homeowners insurance cost in Nebraska

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Home insurance in Nebraska costs an average of $4,785 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. American Family offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $4,785 a year, based on our data.
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.

What is the average cost of homeowners insurance in Nebraska?

The average homeowners insurance premium in Nebraska is $4,785 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Nebraska? Cost by coverage level

The typical homeowners insurance policy in Nebraska runs $4,785 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $5,942 in Nebraska.

The table below shows average homeowners insurance costs in Nebraska for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,801	$317
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,809	$317
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$4,785	$399
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$4,800	$400
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$5,942	$495
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$5,959	$497
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$9,204	$767
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$9,227	$769
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$13,383	$1,115
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$13,420	$1,118

Average home insurance cost in Nebraska by insurer

American Family offers the most affordable homeowners insurance in Nebraska, at an average annual premium of $3,951, followed by Allstate and State Farm.

You can save hundreds – if not thousands – of dollars each year by shopping around.

Below are the average annual and monthly insurance rates for Nebraska homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.

Company	Average annual rate	Average monthly rate
American Family	$3,951	$329
Allstate	$4,224	$352
State Farm	$4,520	$377
Iowa Farm Bureau	$4,658	$388
Farmers Mutual of Nebraska	$4,701	$392
Nationwide	$6,219	$518
Farmers	$9,976	$831
Travelers	$13,623	$1,135
USAA*	$5,220	$435

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Nebraska.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

How does your ZIP code affect home insurance rates in Nebraska?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Nebraska.

Most affordable ZIP codes for home insurance in Nebraska

The lowest rates in Nebraska are found in 68502, where homeowners pay an average of $5,465 per year.

Where you live in Nebraska has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Nebraska.

ZIP code	Average annual rate	Average monthly rate
68502	$5,465	$455
68505	$5,468	$456
68506	$5,497	$458
68503	$5,509	$459
68504	$5,529	$461
68522	$5,557	$463
68516	$5,562	$463
68512	$5,575	$465
68521	$5,587	$466
68507	$5,614	$468

Most expensive ZIP codes for home insurance rates in Nebraska

69353 has the highest rates in Nebraska at an average of $8,353 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Nebraska for home insurance:

ZIP code	Average annual rate	Average monthly rate
69353	$8,353	$696
69355	$8,334	$694
69020	$8,045	$670
69027	$8,034	$670
69034	$8,028	$669
69001	$8,010	$668
69040	$8,006	$667
69024	$8,001	$667
69043	$7,978	$665
69044	$7,971	$664

Home 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 city

See rates in your city

What are the best homeowners insurance companies in Nebraska?

Our data points to Farmers Mutual of Nebraska as the best overall pick in Nebraska, thanks to its AM Best rating of A and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Nebraska compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Farmers Mutual of Nebraska	$4,701	A	0.13	5
American Family	$3,951	A	0.37	4.79
Farmers	$4,781	A	0.54	4.32
Allstate	$4,224	A+	0.9	3.96
State Farm	$4,520	A++	0.95	3.9
Nationwide	$6,219	A+	0.87	3.54
Travelers	$9,523	A++	0.54	3.37

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Insurers price home insurance based on the level of risk your property and profile represent. They decide that based on:

Where you live. Local crime rates, weather exposure, and claims frequency in your neighborhood all influence your rate.
Your claims history. A history of past claims typically results in a higher premium.
Your credit-based insurance score. In most states, a lower credit score can mean a higher premium (Restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. Higher coverage or a lower deductible will increase what you pay.

It’s also worth noting that home insurance costs have been rising broadly. According to S&P Global Market Intelligence’s RateWatch application, premiums for owner-occupied homes climbed more than 11% nationwide in 2023.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.