USAA is the best homeowners insurance company in Nebraska for military veterans and their families, based on a 2023 analysis by Insurance.com, with an overall rating of 4.56. American Family is the best home insurance company in Nebraska for non-military owners, with an overall rating of 4.53.
American Family offers the cheapest home insurance in Nebraska at $3,286 a year.
With so many options out there, it is not easy to choose a homeowners insurance company in Nebraska. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
Key takeaways
- The average cost of homeowners insurance in Nebraska is $4,624 a year or $385 a month.
- The cheapest homeowners insurance company in Nebraska is American Family. It offers home insurance at an average of $3,286 a year.
- USAA ranked as the best insurance company for military veterans and American Family for non-military veterans in Nebraska based on rates, complaints and financial stability.
Average home insurance cost in Nebraska
The average cost of homeowners insurance in Neraska is $4,624 a year or $385 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Nebraska homeowners insurance companies to get the best deal.
Best home insurance companies in Nebraska
The best home insurance company in Nebraska for 2023 is USAA followed by American Family and Farmers Mutual Ins Co of NE.
Below is a full list of the top Nebraska insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| USAA* | A++ | $4,890 | 0.41 | 4.56 |
| American Family | A | $3,286 | 0.6 | 4.53 |
| Farmers Mutual Ins Co of NE | A | $3,788 | 0.5 | 4.47 |
| Iowa Farm Bureau | A | $4,345 | 0.33 | 4.44 |
| Farmers | A | $4,477 | 0.33 | 4.41 |
| State Farm | A++ | $4,253 | 1.07 | 4.31 |
| Nationwide | A+ | $5,851 | 0.75 | 3.97 |
| Allstate | A+ | $3,896 | 2.04 | 3.65 |
| Travelers | A++ | $9,056 | 0.6 | 3.43 |
*USAA only provides coverage to military members, veterans and their families.
Cheapest home insurance companies in Nebraska
Below are Nebraska home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see American Family has the most affordable rates in every category by a wide margin.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| American Family | $2,503 | $3,286 | $4,070 | $4,775 | $5,456 |
| Farmers Mutual Ins Co of NE | $2,724 | $3,788 | $5,043 | $6,282 | $7,262 |
| Allstate | $3,163 | $3,896 | $4,404 | $4,795 | $5,161 |
| Farmers | $3,290 | $4,477 | $5,694 | $6,781 | $7,824 |
| State Farm | $3,307 | $4,253 | $5,196 | $6,412 | $7,550 |
| Iowa Farm Bureau | $3,528 | $4,345 | $5,194 | $6,084 | $6,930 |
| USAA | $3,888 | $4,890 | $5,503 | $6,218 | $6,819 |
| Nationwide | $4,229 | $5,851 | $7,411 | $8,649 | $8,688 |
| Travelers | $7,990 | $9,056 | $9,403 | $9,323 | $9,751 |
*USAA only provides coverage to military members, veterans and their families.
Nebraska home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Nebraska to see which areas are the most and least expensive.
The most expensive ZIP codes in Nebraska for home insurance
Nebraska homeowners insurance rates are the most expensive for ZIP code 69040 with an average annual cost of $5,785.
The most expensive ZIP codes in Nebraska are:
| ZIP code | Average annual rates |
|---|---|
| 69040 | $5,785 |
| 69027 | $5,784 |
| 69044 | $5,766 |
| 69024 | $5,751 |
| 69032 | $5,745 |
| 69045 | $5,732 |
The least expensive ZIP codes in Nebraska for home insurance
The cheapest ZIP codes for home insurance in Nebraska are:
| ZIP code | Average annual rates |
|---|---|
| 68526 | $3,790 |
| 68520 | $3,816 |
| 68462 | $3,838 |
| 68448 | $3,847 |
| 68433 | $3,849 |
| 68336 | $3,858 |
