Average renters insurance cost in Nebraska

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Renters in Nebraska pay an average of $314 per year, or $26 per month for renters insurance. This is based on a standard policy covering $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – a reasonable baseline for most renters.

What you actually pay will depend on your coverage amount, which insurer you choose, and personal details like your ZIP code, claims history, and in some states, your credit score.

How much does renters insurance cost in Nebraska?

The average monthly cost of renters insurance in Nebraska is $26 for a policy with $40,000 in personal property coverage and $300,000 in liability protection. Premiums can shift depending on where you live, how much coverage you need, and the total value of your belongings – which is why getting quotes from several insurers is a smart move.

Generally speaking, raising your deductible lowers your monthly premium, while adding coverage for valuables like jewelry or electronics increases it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Nebraska: Where to start

Renters insurance in Nebraska averages $314 per year, or $26 per month for a standard policy
If you’re looking for the lowest price, State Farm tends to offer the most competitive rates in Nebraska, averaging around $138 per year
Since pricing varies widely between providers, it pays to compare a few options before making a decision

Which companies offer the cheapest renters insurance in Nebraska?

State Farm offers the most affordable renters insurance in Nebraska, with an average annual cost of $138. Nationwide and Iowa Farm Bureau are also worth considering if you’re looking to keep costs down.

Choosing the cheapest insurer isn’t always the best option, so it’s important to review coverage limits, deductibles, and available discounts alongside price. The table below shows average annual and monthly rates from a range of insurers in Nebraska.

Company	Average annual rate	Average monthly rate
State Farm	$138	$12
Nationwide	$186	$16
Iowa Farm Bureau	$191	$16
American Family	$261	$22
Farmers Mutual of Nebraska	$314	$26
Farmers	$357	$30
Travelers	$793	$66
USAA*	$192	$16

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

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

Renters insurance calculator in Nebraska

$300/year

Estimated renters insurance rates in Nebraska

$25

Monthly renters insurance cost in Nebraska

11%

Compared to national average

How much does renters insurance cost by coverage level in Nebraska?

The average annual cost of renters insurance in Nebraska is $314, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $225 a year for renters insurance in Nebraska. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows average annual renters insurance premiums in Nebraska for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$239	$20
$20,000 with $500 Deductible and $300,000 Liability	$253	$21
$20,000 with $1,000 Deductible and $100,000 Liability	$211	$18
$20,000 with $1,000 Deductible and $300,000 Liability	$225	$19
$40,000 with $500 Deductible and $100,000 Liability	$339	$28
$40,000 with $500 Deductible and $300,000 Liability	$353	$29
$40,000 with $1,000 Deductible and $100,000 Liability	$300	$25
$40,000 with $1,000 Deductible and $300,000 Liability	$314	$26
$60,000 with $500 Deductible and $100,000 Liability	$448	$37
$60,000 with $500 Deductible and $300,000 Liability	$464	$39
$60,000 with $1,000 Deductible and $100,000 Liability	$397	$33
$60,000 with $1,000 Deductible and $300,000 Liability	$413	$34

People also ask: How much renters insurance coverage do I need?

Most renters need enough coverage to replace their personal belongings and protect against liability claims. A common starting point is $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. That said, the right amount really depends on the value of what you own, any endorsements you might add for higher-value items, and how much risk you’re comfortable carrying yourself.

How much does renters insurance cost by city in Nebraska?

Your city within Nebraska can have a real impact on your renters insurance premium. Insurers factor in local variables like crime statistics, weather history, and how urban or suburban an area is when setting rates.

Here’s how average renters insurance costs break down across major cities in Nebraska.

Renters insurance rates in Nebraska by city

See rates in your city

Kearney

Lincoln

Omaha

Does your ZIP code affect renters insurance rates in Nebraska?

Your ZIP code is one of the most significant factors in how insurers price your policy. Areas with higher rates of theft, more frequent weather events, or a greater number of past claims tend to see higher premiums – even for the same level of coverage.

In Nebraska, annual rates range from roughly $292 in 68755 to $429 in 68176. Below are the cheapest and most expensive ZIP codes for renters insurance in Nebraska.

Why your ZIP code affects renters insurance costs

Insurers use neighborhood-level risk data when calculating your premium, which means rates can differ significantly from one ZIP code to the next.

Key factors include:

Theft and vandalism rates in your area
Exposure to weather risks like hurricanes, wildfires, or flooding
Historical fire claims and local rebuilding costs

Even shifting a few ZIP codes can change what you pay each month.

What are the most affordable ZIP codes for renters insurance in Nebraska

68755 has the lowest average annual renters insurance cost at $292.

Areas with fewer theft incidents and lower weather-related claim activity tend to have more affordable premiums overall.

ZIP code	City	Average annual rate	Average monthly rate
68755	Naper	$292	$24
68759	Newport	$292	$24
69335	Bingham	$293	$24
69340	Ellsworth	$293	$24
69354	Marsland	$293	$24
68724	Center	$294	$24
69141	Gurley	$294	$25
68749	Magnet	$294	$24
68881	Westerville	$294	$25
68837	Elyria	$295	$25

What are the least affordable ZIP codes for renters insurance in Nebraska

At the other end of the spectrum, 68176 has the highest average renters insurance cost in Nebraska, at $429 per year or $36 per month.

Below are average annual rates across all ZIP codes in Nebraska, based on quotes from major providers.

ZIP code	City	Average annual rate	Average monthly rate
68176	Omaha	$429	$36
68056	St Columbans	$416	$35
68063	Uehling	$416	$35
68068	Washington	$416	$35
68016	Cedar Creek	$415	$35
68403	Manley	$415	$35
68072	Winslow	$415	$35
68382	Dunbar	$414	$34
68634	Duncan	$414	$35
69135	Elsmere	$414	$35

How to lower your renters insurance, even in a high-cost ZIP code

Get quotes from at least 3 insurers – rates for identical coverage can differ by $100 or more within the same ZIP code
Bundle your renters and auto insurance to cut 5% to 15% off your premium
Ask about discounts for safety features like smoke detectors, deadbolts, security systems, or smart home devices
Raise your deductible from $500 to $1,000 – this alone can reduce your premium by around 10%
If you haven’t filed a claim in 3 or more years, ask about a claims-free discount

Is renters insurance worth it in Nebraska?

For most renters in Nebraska, a renters insurance policy protects your belongings from risks like fire, theft, vandalism, and certain weather events, and shields you from liability if someone is injured inside your home.

According to figures from the US Department of Commerce, the US Census Bureau, and the American Community Survey, approximately 48% of US renter households allocate more than 30% of their income toward rent and utilities. When housing already takes up a large share of your budget, it’s worth being thoughtful about every ongoing cost – including insurance.

Shopping around makes a real difference. Beyond price, look at what each policy actually covers, what the deductible is, and how the insurer performs when claims are filed. Slightly higher premiums can be worthwhile if the coverage is meaningfully better.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in Nebraska?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part of the lease.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

$269/Year

$390/Year

$406/Year

$275/Year

$300/Year

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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.