The Best, Cheapest Home Insurance Companies in Nebraska
Allstate has the cheapest home insurance rates in Nebraska. According to our research, Allstate offers an average home insurance rate of $213 a month. The average cost of home insurance in Nebraska is $270 a month, higher than the national rate of $144 a month.
This makes searching for the best coverage at the cheapest premium necessary. We've looked at the average quotes, policy offerings and customer satisfaction trends of the biggest home insurance companies in Nebraska to help you find the best policy at the best price.
We'll cover:
How much is home insurance in Nebraska?
The average home insurance premium in Nebraska is $270 a month. That's 88% higher than the national average of $144 a month.
| Region | Average monthly rate |
|---|---|
| Nebraska | $270 |
| U.S. | $144 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Nebraska home insurance rates are high in part due to extreme weather. Tornadoes, hurricanes and flooding put homes in the state at risk. Home insurers raise premiums to offset those costs. Other factors that can affect your home insurance rate include:
- The age of your home.
- Construction materials used.
- Your insurance claims history.
Cheapest home insurance companies in Nebraska
Allstate has the cheapest average home insurance rate in Nebraska, at $213 a month, on average. That's 21% lower than the state average of $270 a month. Farmers has the second-cheapest average rate at $215 a month. Farm Bureau has the highest rate, with an average of $318 a month.
| Company | Average monthly rate |
|---|---|
| Allstate | $213 |
| Farmers | $215 |
| Nationwide | $241 |
| American Family | $267 |
| Statewide average | $270 |
| State Farm | $294 |
| Travelers | $298 |
| Farm Bureau | $318 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Nebraska's best home insurance companies
Based on our research, Allstate, Farmers and Nationwide are the best home insurance companies in Nebraska. Here's why.
Allstate: cheapest rates
Allstate has an average homeowners insurance rate of $213 a month. Here's how Allstate's rates break down in Nebraska's biggest cities.
| City | Average monthly rate |
|---|---|
| Bellevue | $258 |
| Columbus | $180 |
| Fremont | $180 |
| Grand Island | $180 |
| Hastings | $180 |
| Kearney | $180 |
| Lincoln | $204 |
| Norfolk | $199 |
| Omaha | $228 |
| Papillion | $238 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Allstate also maintains excellent customer service standards. It has a rating of 0.83 on the NAIC Complaint Index. The index compares insurance companies' ability to resolve claims issues, such as payout and resolution time. The National Complaint Index is 1.0. The lower the index value, the better.
Furthermore, Allstate holds a rating of 829 out of 1,000 in J.D. Power's 2021 U.S. Home Insurance Study. This study compares the customer satisfaction capability of an insurance company based on factors such as policy offerings, interaction and claims. The higher the rating, the better. Allstate's rating stands above the average national of 825, putting the insurer in a strong position.
Farmers: cheap rates and best discounts
Farmers offers the second-cheapest home insurance rate in Nebraska, at an average of $215 a month. This is slightly higher than Allstate's average premium, but you may be able to bring it below what Allstate offers through Farmers' various discounts, which include:
- Bundling: if you bundle your home insurance with an auto or life insurance policy through Farmers, you might save money on both policies.
- New home: homes built in the last 14 years or less could qualify for a discount.
- Claims free: if you haven't filed a claim for at least three years in a row, you could get a discount.
On top of low rates and an assortment of discounts, Farmers maintains a strong customer service trend. It has a 0.5 rating on the NAIC Complaint Index.
Nationwide: cheap rates and lowest complaint rating
Nationwide offers the third-cheapest home insurance rate in Nebraska, with an average premium of $241 a month. Furthermore, its 0.2 rating on the NAIC Complaint Index is the lowest of the major home insurance providers in Nebraska.
Methodology
We used Quadrant Information Services to generate thousands of home insurance quotes for every ZIP code in Nebraska from the following providers:
- Allstate
- American Family
- Farm Bureau
- Farmers
- Nationwide
- State Farm
- Travelers
Our sample home used the following policy specifications:
- Dwelling coverage: $275,000
- Personal property coverage: 50% of dwelling ($137,500)
- Other structures coverage: 10% of dwelling ($27,500)
- Loss of use coverage: 20% of dwelling ($55,000)
- Liability coverage: $100,000
Coverage sets were calculated using the following deductible limits:
- $500
- $1,000
- $1,500
- $2,000
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