Home Home insurance Average home insurance cost Cheapest homeowners insurance in Nebraska Cheapest homeowners insurance in Nebraska Written by: Les Masterson Les Masterson Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics. | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on June 6, 2022 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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.Key TakeawaysFor homeowners insurance with $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible, Farmers offers the cheapest homeowners insurance in Nebraska at $2,113 per year.In Nebraska the homeowners insurance cost is $828 more than the national average.Amongst all the zip codes in Nebraska, the cheapest homeowners insurance is available at the 68506 zip code, with average annual premium of $2,569 per year.Cheap homeowners insurance companies in NebraskaFarmers, 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 premiumFarmers$2,113$176Travelers$2,554$213Allstate$2,684$224Farm Bureau$3,278$273American Family$3,478$290Nationwide$3,556$296Foremost$4,280$357Safeco$4,830$403Fire Insurance$5,951$496State Farm$5,955$496Compare cheap homeowners insurance in Nebraska by ratingsWondering 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 ratingState Farm835A++American Family831AAllstate829A+Farmers813ANationwide812A+Safeco810ALiberty Mutual806ATravelers800A++How much is home insurance in NebraskaThe 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$261Cheapest homeowners insurance in Nebraska by ZIP codeLocation 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 premium68506$2,569$21468461$2,589$21668510$2,599$21768046$2,606$21768503$2,613$21868505$2,624$21968404$2,625$21968516$2,629$21968317$2,630$21968462$2,637$22068521$2,640$22068358$2,643$22068507$2,645$22068526$2,654$22168514$2,655$221 Explore other insurance options in Nebraska Average renters insurance cost in Nebraska Average car insurance cost in Nebraska Non-owner car insurance in Nebraska 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 cityBellevueGrand IslandKearneyLincolnOmahaHow much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor  . .Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. 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