Average renters insurance cost in Nebraska

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Renters in Nebraska pay an average of $314 annually – or $26 per month – for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. For most renters, this is a practical benchmark to start from.

Your actual premium is shaped by the amount of coverage you select, the insurer you go with, and individual factors such as your ZIP code, claims history, and depending on your state – your credit score.

How much does renters insurance cost in Nebraska?

At $26 per month, renters insurance in Nebraska is based on a policy with $40,000 in personal property coverage and $300,000 in liability protection. Your premium will shift depending on your location, the coverage limits you set, and the total worth of your possessions. Shopping around and comparing quotes from different insurers is one of the most effective ways to keep costs manageable.

It’s worth remembering that a higher deductible might reduce your monthly premium, while broader coverage for valuables such as electronics or jewelry will increase it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Nebraska: Where to start

On average, renters insurance in Nebraska costs $314 per year, or $26 per month
Among all providers in Nebraska, State Farm consistently comes in with the lowest average rates – around $138 per year
Because premiums can vary significantly from one insurer to the next, comparing multiple quotes before settling on a policy is always a good idea

Which companies offer the cheapest renters insurance in Nebraska?

Among insurers operating in Nebraska, State Farm has the lowest average annual premium at $138. Nationwide and Iowa Farm Bureau are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly rates from various 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 renters insurance premium in Nebraska is $314, based on $40,000 in personal property coverage, $300,000 in liability, and a $1,000 deductible.

Dropping your personal property coverage from $40,000 to $20,000 could bring your annual cost down to around $225. Just make sure $20,000 would actually be enough to replace what you own before making that change.

The table below shows average annual premiums in Nebraska at both the $20,000 and $40,000 personal property coverage levels.

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?

The right amount of coverage depends on the value of your belongings and how much financial risk you’re willing to take on. Most renters do well with $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. If you own high-value items like jewelry or electronics, you may want to add endorsements on top of your base policy.

Renters insurance rates in Nebraska by city

See rates in your city

Kearney

Lincoln

Omaha

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.

Does your ZIP code affect renters insurance rates in Nebraska?

Your ZIP code is one of the biggest factors insurers use to set rates. Local risks like theft, fire and weather claims can drive premiums up or down, so two renters with the same coverage may pay very different prices.

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

Why your ZIP code affects renters insurance costs

Insurers use local risk data to calculate renters insurance premiums, which means rates can vary significantly by neighborhood and ZIP code.

Factors that affect renters insurance rates include:

Local theft and vandalism rates
Weather risks such as hurricanes, floods, or wildfires
Fire claims and rebuilding costs in your area

Even moving a few ZIP codes away can affect your monthly premium.

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

In Nebraska, your ZIP code plays a major role in determining your premiums. Based on our data, 68755 is the most affordable ZIP code for renters insurance, with an average annual cost of $292.

ZIP codes with lower theft rates and fewer severe weather claims tend to have more affordable renters insurance premiums.

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?

68176 is the most expensive ZIP code for renters insurance in Nebraska, at an average cost of $429 annually or $36 monthly.

Here are the average annual renters insurance rates for every ZIP code in Nebraska, based on quotes from major insurers.

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

Compare at least 3 quotes – rates for the same coverage can vary by $100+ between insurers in the same ZIP code
Bundle with auto insurance to save 5% to 15% on your renters policy
Ask about safety device discounts for smoke detectors, deadbolts, security systems, and smart-home monitoring
Raise your deductible from $500 to $1,000 to save around 10%
Check claims-free discounts if you haven’t filed a claim in 3+ years

Is renters insurance worth it in Nebraska?

For most renters in Nebraska, renters insurance is well worth having. It protects your belongings against fire, theft, vandalism, and certain natural disasters, while also providing liability coverage if someone is injured in your home.

According to the US Department of Commerce, the US Census Bureau and American Community Survey â€“ over 48% of renter households in the US spend more than 30% of their income on rent and utilities, which means even smaller ongoing expenses like insurance are worth managing carefully.

Finding the right policy comes down to shopping around. Price matters, but it’s also important to review coverage options, deductibles, and customer satisfaction. Paying slightly more for better coverage can make a real difference when you need to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance generally covers three things: your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered event. It can help with losses from fire, theft, and vandalism, as well as legal or medical costs if a visitor is injured on your property. Coverage specifics differ by policy, so reviewing your limits and exclusions carefully is important.

Do I really need renters insurance in Nebraska?

There’s no universal legal requirement for renters insurance, but the protection it offers is hard to replicate on your own. A single incident – whether it’s a break-in, a fire, or accidental damage – can result in thousands of dollars in losses. Renters insurance covers those costs so you’re not paying out of pocket. It’s also increasingly common for landlords in Nebraska to require it as part of the lease agreement.

Sources:

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

How much is renters insurance in other states

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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.