You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance. Saving money on homeowners insurance in Nebraska can be challenging if you don’t know the facts.

Farmers has the lowest average homeowners insurance rates in Nebraska, with an average premium of $2,113 a year or $176 a month.

The good news is that Insure.com has simplified matters by carefully researching carriers and prices to find cheap homeowners insurance in Nebraska. We’ve ranked the most affordable homeowners insurance providers in Nebraska to help you in this process. Read further for our recommendations and for additional strategies designed to help you pay less for premiums.

Cheap homeowners insurance companies in Nebraska

Farmers, Travelers and Allstate have the cheapest homeowners insurance in Nebraska, on average.

There’s a large rate difference between home insurance companies. Nebraska homeowners could save more by shopping around and comparing insurance quotes.

Here are average annual and monthly Nebraska home insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
Farmers$2,113$176
Travelers$2,554$213
Allstate$2,684$224
Farm Bureau$3,278$273
American Family$3,478$290
Nationwide$3,556$296
Foremost$4,280$357
Safeco$4,830$403
Fire Insurance$5,951$496
State Farm$5,955$496
Liberty Mutual$9,974$831

Compare cheap homeowners insurance in Nebraska by ratings

Wondering how to choose the best insurance company among the options available? We have analyzed the cheapest homeowners insurance companies in Nebraska based on J.D. Power score and AM best rating. According to Insure.com’s survey, State Farm received the highest J.D. power score of 835 and A++ rating from AM best.

CompanyJ.D. Power scoreAM Best rating
State Farm835A++
American Family831A
Allstate829A+
Farmers813A
Nationwide812A+
Safeco810A
Liberty Mutual806A
Travelers800A++

How much is home insurance in Nebraska

The average cost of homeowners insurance in Nebraska is $3,133 annually for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

One primary driver of home insurance cost is claims history. Here are the top average home insurance percentage premium increases based on claims:

  • Filing a second fire claim — 60%
  • Filing a second theft claim — 55%
  • Filing a second liability claim — 52%
  • Filing a second water damage claim — 50%
  • Filing a second medical claim — 34%
Average annual premiumAverage monthly premium
$3,133$261

Cheapest homeowners insurance in Nebraska by ZIP code

Location is a crucial part of your home insurance rate. Areas with more claims pay higher rates than ones that don’t have many. Here are the average home insurance rates by ZIP codes in Nebraska:

ZIP codeAverage annual premiumAverage monthly premium
68506$2,569$214
68461$2,589$216
68510$2,599$217
68046$2,606$217
68503$2,613$218
68505$2,624$219
68404$2,625$219
68516$2,629$219
68317$2,630$219
68462$2,637$220
68521$2,640$220
68358$2,643$220
68507$2,645$220
68526$2,654$221
68514$2,655$221
Go To Top