Cheapest Homeowners Insurance in Nebraska for 2022

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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 Takeaways

For 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 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.

Company	Average annual premium	Average 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

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.

Company	J.D. Power score	AM Best rating
State Farm	835	A++
American Family	831	A
Allstate	829	A+
Farmers	813	A
Nationwide	812	A+
Safeco	810	A
Liberty Mutual	806	A
Travelers	800	A++

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 premium	Average 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 code	Average annual premium	Average 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

How much is home insurance in other states

Alaska$1,799/Year

Alabama$2,981/Year

Arkansas$3,439/Year

Arizona$1,976/Year

California$1,166/Year

Colorado$3,082/Year

Connecticut$1,961/Year

Washington D.C.$1,488/Year

Delaware$1,521/Year

Florida$3,439/Year

Georgia$2,555/Year

Hawaii$499/Year

Iowa$2,540/Year

Idaho$1,842/Year

Illinois$2,201/Year

Indiana$2,423/Year

Kansas$3,931/Year

Kentucky$2,862/Year

Louisiana$3,270/Year

Massachusetts$1,920/Year

Maryland$1,518/Year

Maine$1,833/Year

Michigan$2,153/Year

Minnesota$3,010/Year

Missouri$3,111/Year

Mississippi$3,340/Year

Montana$2,809/Year

North Carolina$2,009/Year

North Dakota$2,601/Year

New Hampshire$1,455/Year

New Jersey$1,744/Year

New Mexico$2,299/Year

Nevada$1,486/Year

New York$1,840/Year

Ohio$2,107/Year

Oklahoma$4,445/Year

Oregon$1,608/Year

Pennsylvania$1,720/Year

Rhode Island$2,125/Year

South Carolina$2,678/Year

South Dakota$3,172/Year

Tennessee$2,692/Year

Texas$3,429/Year

Utah$1,378/Year

Virginia$1,956/Year

Vermont$1,212/Year

Washington$1,514/Year

Wisconsin$1,732/Year

West Virginia$2,486/Year

Wyoming$2,083/Year

Les Masterson

Contributor

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.