The Best and Cheapest Homeowners Insurance Companies in Nebraska (2026)
State Farm has the cheapest home insurance for most people in Nebraska, at an average of $3,151/yr. | ||
Home insurance in Nebraska costs an average of $4,956/yr, making it the second-most expensive state in the country | ||
Nebraska experiences more severe weather than most other states, with hail, tornadoes and other types of windstorms. |
State Farm has the cheapest home insurance for most people in Nebraska, at an average of $3,151/yr. | ||
The average cost of home insurance in Nebraska is $4,956/yr. That's in part because of a high number of tornadoes and hailstorms. |
Find Cheap Home Insurance Quotes in Nebraska
Who has the best cheap homeowners insurance in Nebraska?
Who has the cheapest home insurance companies in Nebraska
State Farm, Nationwide and American Family offer the cheapest home insurance in Nebraska for most homeowners.
Find Cheap Home Insurance Quotes in Nebraska
- State Farm offers the cheapest homeowners insurance rates in NE for most people. Coverage from State Farm can cost 30% to 46% less than the statewide average, depending on how much it would cost to rebuild your house.
- American Family can be a cheaper option as well for smaller homes, and the company offers a wide range of ways to add to your coverage. If your house costs $350,000 or less to rebuild, your rates could be at least 8% cheaper than average.
- Nationwide is the cheapest option in the state if you have a new home. You could save one-third off the state average, which could mean around $830 per year in savings.
Cheap annual home insurance quotes in NE
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| State Farm | 3.5 out of 5 | $2,287 | |
| American Family | 3.0 out of 5 | $2,545 | |
| Nationwide | 3.5 out of 5 | $2,801 | |
| Farmers | 2.3 out of 5 | $3,294 | |
| Allstate | 3.3 out of 5 | $3,736 | |
| Farm Bureau | 2.3 out of 5 | $5,540 | |
| USAA | 4.5 out of 5 | $2,585 | |
Stars in this table represent ratings specific to home insurance.
Key takeaways
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Nebraska home insurance rates went up 7% in 2025, which was considerably less than the year before. That was after rates in Nebraska went up by an average of more than 23% in 2024 and nearly 15% in 2023.
The jumps across the past three years could be tied to a run of destructive storms that hit the state each of the past three years. Nebraska has averaged at least four storms that did more than $1 billion in damage from 2023-25.
- Nationwide and Liberty Mutual have raised rates the most across the past five years, with both companies more than doubling their prices. USAA, Farmers and State Farm had the most stable rates, increasing them between 27% and 46% between 2021 and 2025.
- Hail and storms do the most damage to homes in Nebraska. Home insurance will almost always pay for damage after storms and from hail. It's still a good idea for Nebraska homeowners should make sure their homes are well maintained to help prevent damage.
Best NE home insurance for most people: State Farm
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Annual cost$3,151Average rate for a $350,000 home
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Monthly cost$263Average rate for a $350,000 home
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Customer complaints Average
State Farm offers the cheapest homeowners insurance quotes for most Nebraska residents.
A State Farm homeowners policy in Nebraska costs $3,151 per year on average for $350,000 of dwelling coverage. That's 36% per year cheaper than the Nebraska state average.
How much is State Farm insurance in Nebraska?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $2,287 | 30% cheaper |
| $350,000 | $3,151 | 36% cheaper |
| $500,000 | $3,964 | 40% cheaper |
| $1 million | $5,937 | 46% cheaper |
State Farm is also an excellent choice for bundling home and car insurance in Nebraska. On top of the company's cheap home insurance rates, it also offers cheap car insurance rates in the state.
Plus, when you bundle your policies with State Farm, you'll get a discount on both. On average, you'll save 27% on your home insurance and 18% on your car insurance.
State Farm has agents in 80 Nebraska cities. If you want a local agent to help you pick out coverage, State Farm could be a good option.
Best home insurance in NE for extra coverage: American Family
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Annual cost$4,575Average rate for a $350,000 home
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Monthly cost$381Average rate for a $350,000 home
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Customer complaints High
American Family has lots of extra coverage options to help you personalize your policy.
That includes coverage for sewer backup, vacant homes, vacation homes and short-term home rentals.
Nebraska homeowners may want to add American Family's "matching undamaged siding" coverage to their policies. If your siding is damaged but there's no good match available, AmFam will pay to replace the undamaged siding to match. That way, your house's siding is consistent instead of patchy.
American Family has cheap rates for homes around $350,000 or less. You can also add several discounts to help you get an even cheaper rate, including savings for bundling, renovating your home or going paperless. You can even save if your parents had an American Family policy.
Best home insurance in Nebraska for new homes: Nationwide
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Annual cost$4,423Average rate for a $350,000 home
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Monthly cost$369Average rate for a $350,000 home
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Customer complaints High
If your home is newly built, Nationwide has the best rates, plus good coverage.
How much is new home insurance in Nebraska?
Company | Annual rate | ||
|---|---|---|---|
| Nationwide | 3.5 out of 5 | $1,685 | |
| State Farm | 3.5 out of 5 | $1,797 | |
| Allstate | 3.3 out of 5 | $2,547 | |
| American Family | 3.0 out of 5 | $2,767 | |
| Farmers | 2.3 out of 5 | $3,071 | |
| Farm Bureau | 2.3 out of 5 | $4,693 | |
| USAA | 4.5 out of 5 | $1,071 | |
Rates are for a home built in 2025. Stars in this table represent ratings specific to home insurance.
Nationwide also offers lots of add-ons to personalize your coverage, plus good discounts to help you save. You could add equipment breakdown coverage, service line coverage and even coverage for flood damage. You might be able to save by having a new roof, living in a gated community and being a new homebuyer.
Top-rated home insurance companies in Nebraska
Nebraska's top-rated home insurance company is USAA because of a good combination of cheaper-than-average rates, good coverage options and customer service.
But USAA is only an option if you're a military servicemember, veteran or have certain family members with military ties. State Farm and Nationwide are also good options if you can't get USAA coverage.
Company |
Rating
|
Complaints
|
|---|---|---|
| USAA | 4.5 out of 5 | Low |
| Nationwide | 3.5 out of 5 | High |
| State Farm | 3.5 out of 5 | Average |
| Allstate | 3.3 out of 5 | Average |
| American Family | 3.0 out of 5 | High |
| Farm Bureau | 2.3 out of 5 | Low |
| Farmers | 2.3 out of 5 | Average |
| Farmers Mutual of Nebraska | 2.0 out of 5 | High |
How much does home insurance cost in Nebraska?
Home insurance in Nebraska costs an average of $4,956 per year. .
That's more than double the national average, $2,395, making Nebraska the second-most expensive state for home insurance coverage.
Average cost of home insurance in NE
Dwelling Coverage | Average Rate |
|---|---|
| $200,000 | $3,255 |
| $350,000 | $4,956 |
| $500,000 | $6,654 |
| $1,000,000 | $10,901 |
Nebraska home insurance rates by city
Springview has the cheapest average rates at $4,363 per year.
Home insurance in Omaha costs $4,930 per year on average. That's right in line with the state average. Quotes in Lincoln, the state capital, average $4,510 per year, which is about 9% cheaper than the Nebraska statewide average.
State Farm is the cheapest option in 95% of the towns in the state. Nationwide is the cheapest in some places on Nebraska's western border.
Find Cheap Home Insurance Quotes in Nebraska
Cheapest annual home insurance quotes in NE by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Abie | $4,903 | State Farm | $3,078 |
| Albion | $4,972 | State Farm | $3,097 |
| Alda | $5,250 | State Farm | $3,516 |
| Alexandria | $5,020 | State Farm | $3,078 |
| Allen | $4,600 | State Farm | $2,877 |
| Alliance | $5,027 | Nationwide | $3,193 |
| Alvo | $4,728 | State Farm | $3,078 |
| Amelia | $4,594 | State Farm | $3,078 |
| Ames | $4,945 | State Farm | $3,078 |
| Amherst | $5,493 | State Farm | $3,450 |
| Angora | $4,948 | State Farm | $3,078 |
| Anselmo | $5,495 | State Farm | $3,078 |
| Ansley | $5,598 | State Farm | $3,259 |
| Arapahoe | $5,360 | State Farm | $3,581 |
| Arcadia | $5,502 | State Farm | $3,078 |
| Archer | $5,242 | State Farm | $3,078 |
| Arlington | $4,899 | State Farm | $3,026 |
| Ashby | $4,755 | State Farm | $3,078 |
| Ashland | $4,929 | State Farm | $3,083 |
| Ashton | $5,068 | State Farm | $3,078 |
| Atkinson | $4,776 | State Farm | $2,758 |
| Atlanta | $5,467 | State Farm | $3,078 |
| Auburn | $4,509 | State Farm | $3,091 |
| Aurora | $5,762 | State Farm | $3,478 |
| Axtell | $5,707 | State Farm | $3,537 |
| Ayr | $5,812 | State Farm | $3,621 |
| Barneston | $4,846 | State Farm | $3,078 |
| Bartlett | $4,735 | State Farm | $3,078 |
| Bartley | $5,514 | State Farm | $3,625 |
| Bassett | $4,634 | State Farm | $2,654 |
| Battle Creek | $4,946 | State Farm | $3,005 |
| Bayard | $5,156 | Nationwide | $3,226 |
| Beatrice | $4,716 | State Farm | $3,553 |
| Beaver Crossing | $5,039 | State Farm | $3,302 |
| Bee | $4,840 | State Farm | $3,078 |
| Beemer | $4,795 | State Farm | $2,941 |
| Belden | $4,672 | State Farm | $3,078 |
| Belgrade | $5,328 | State Farm | $3,132 |
| Bellevue | $4,509 | State Farm | $2,943 |
| Bellwood | $4,795 | State Farm | $3,159 |
| Belvidere | $5,014 | State Farm | $3,078 |
| Benedict | $4,998 | State Farm | $3,078 |
| Benkelman | $5,342 | State Farm | $3,334 |
| Bennet | $4,708 | State Farm | $3,172 |
| Bennington | $5,012 | State Farm | $2,984 |
| Bertrand | $5,482 | State Farm | $3,484 |
| Bingham | $4,980 | State Farm | $3,078 |
| Bladen | $5,532 | State Farm | $3,078 |
| Blair | $4,910 | State Farm | $3,036 |
| Bloomfield | $4,482 | State Farm | $2,810 |
| Bloomington | $5,430 | State Farm | $3,078 |
| Blue Hill | $5,748 | State Farm | $3,617 |
Rates are for a policy with $350,000 of dwelling coverage.
Home insurance in Nebraska is more expensive than home insurance in the states around it. In Kansas, a policy with $350,000 of coverage costs $4,095 per year, on average. And in South Dakota, the same coverage costs an average of $3,258 per year.
Nebraska is known for its severe weather, which likely pushes up rates. When homes are more likely to be damaged and claims are more likely to be filed, home insurance companies charge higher rates to compensate.
What home insurance do I need in Nebraska
Homeowners in Nebraska will need, at the very least, coverage for storms, wind and hail because those events are common and cause some of the most damage in the state.
Fortunately, a regular home insurance policy should cover you after those events. That said, it's a good idea to talk to your insurance company or agent to make sure there are no special restrictions or extra costs like a hail deductible .
Is wind damage covered by home insurance in Nebraska?
Home insurance in Nebraska should pay for damage from wind and tornadoes. In some cases, companies will require a separate deductible for wind damage.
So, even if you've met your annual homeowners insurance deductible for another reason, you could still have to pay several thousand dollars out of your own pocket before your insurance pays for wind or tornado damage.
Is hail damage covered by home insurance in Nebraska?
Hail damage is usually covered by your home insurance, but it might not pay for "cosmetic damage."
That means if hail breaks a window or knocks shingles loose, you'll likely be covered. But if it just dents your siding, you often have to pay for that yourself, or get extra coverage to repair it.
Is snow damage covered by home insurance in Nebraska?
Nebraska regularly sees heavy snowfalls during the winter months. Your standard home insurance policy will cover snow-related damages.
However, it's important to take precautions, such as shutting off your water and insulating your pipes if you plan on being away from home during freezing weather. Otherwise, your company may deny your claim because you were partially responsible for the damage.
Tips to save money on your Nebraska home insurance policy
You can save on your Nebraska homeowners insurance by taking advantage of discounts, comparing quotes and raising your deductible.
Most Nebraska homeowners insurance companies offer several discounts. For example, you may qualify for a discount if you have a fire or burglar alarm installed in your home. Other common discounts include going a certain number of years without filing a claim, switching to a different company and bundling your home and auto or motorcycle policies.
One valuable one to consider in Nebraska is to see if you can get a discount for improving your home so it stands up better to wind and hail. Some companies will lower your rates for making your house more sturdy, and it could also make things easier after one of the state's many severe storms.
Shopping around can save you hundreds or even thousands of dollars per year. The difference between the cheapest and most expensive companies is more than $5,000 per year.
It's possible to lower your monthly rate by raising your deductible. Keep in mind that you have to pay your entire deductible before your home insurance coverage starts. That means you should never raise your deductible beyond what you can easily afford to pay for from your savings.
Surging Nebraska insurance costs
Home insurance prices are up 67.7% in Nebraska over the last six years.
Nebraska homeowners have seen a sharp rise in their home insurance prices in recent years, experiencing increases of nearly 23% in 2024 and more than 7% in 2025.
Nebraska home insurance rate changes between 2021 to 2025
Year | Avg. rate increase |
|---|---|
| 2021 | 4.79% |
| 2022 | 6.00% |
| 2023 | 14.82% |
| 2024 | 22.89% |
| 2025 | 7.02% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The growing number of natural disasters along with the costs associated with these significant weather events are two of the main factors behind the increase in home insurance costs.
Nationwide more than doubled its rates over the last five years, with a price increase of 138%. USAA had the lowest rate hike but a policy still costs 26.5% more now than it did in 2021.
Frequently asked questions
What's the cheapest company for home insurance in Nebraska?
State Farm has the cheapest home insurance coverage in Nebraska for most people, with an average rate of $3,151 per year for $350,000 in dwelling coverage. It has the most affordable rates for other coverage levels, too. Plus, State Farm has local agents that can help you build the right kind of coverage for your needs.
What's the average cost of homeowners insurance in Nebraska?
Home insurance in Nebraska costs $4,956 per year, on average. That's more than double the national average. In fact, Nebraska has the second-highest average home insurance rate in the country.
Why is Nebraska home insurance so expensive?
Nebraska has the second-most expensive home insurance rates nationwide because of natural disasters and the rising cost of labor and materials. Sharp increases in the cost of Nebraska home insurance in recent years may be linked to climate change.
Methodology
To find the best homeowners insurance in Nebraska, ValuePenguin got quotes from seven of the top companies in 588 residential ZIP codes in the state. All quotes are for a 45-year-old married man who doesn't have any home insurance claims on his record. The home used in the quotes is 45 years old and has 2,016 square feet, which is representative of the average home in Nebraska. New home rates are for a home built in 2025.
The quotes are for policies with the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
The home insurance rates featured in this article are from Quadrant Information Services. Quadrant uses publicly sourced insurance rate filings in its database. The rates in this article are for comparison purposes only. Your home insurance quotes will be different and based on your unique situation.
ValuePenguin's star ratings take into account each company's rates, coverage options, discounts, unique features and customer service. Service info includes complaint data from the National Association of Insurance Commissioners (NAIC) and scores from J.D. Power's home insurance customer satisfaction and claims satisfaction surveys.
Sources:
About the Author
Managing Editor
Ben Breiner is the Managing Editor of ValuePenguin/LendingTree's insurance vertical. He oversees a team of writers who focus on guiding readers through the rigors of home and auto coverage. He still loves that moment when the words fall together and he can translate an intimidating topic so a reader can make the best choice.
Ben got involved in insurance in 2021 when he joined ValuePenguin. He moved up from writer to editor and watched the team grow to expand the ways it helps consumers. Before that, he spent a decade as a sportswriter for newspapers in the Southeast and Midwest.
Ben had to put off buying his first car because of high insurance rates, so he's keenly aware how the wrong policy can get in the way of your goals. He should've shopped around and looked to the experts.
Insurance tip
Always keep an eye out for insurance you can load up on at a low price. A lot more liability coverage won't break the bank and protects your hard-earned assets.
Expertise
- Car insurance
- Home insurance
- Renters insurance
Education
- BA, Economics and Journalism, University of Wisconsin-Madison
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
