American Family is one of the best homeowners insurance companies in Nebraska, based on an analysis by Insurance.com. Its overall rating is 5, and it has earned 831 scores out of 1000 from J.D. Power and A.M Best rated it A.
Whereas Allstate earned 829 scores out of 1000 from J.D. Power. Besides, A.M Best rated it A+, which is the second-highest ratings they offer.
With a lot of options out there, it is not easy to choose a homeowners insurance company in Nebraska. You need a reliable insurer that can provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
- Best home insurance companies in Nebraska
- Compare best homeowners insurance companies in Nebraska
- Average cost of homeowners insurance in Nebraska
- 10 Most expensive zip codes in Nebraska for homeowners insurance
- 10 Least expensive zip codes in Nebraska for homeowners insurance
- Cheap homeowners insurance in Nebraska
- Home-auto discount bundle in Nebraska
Best home insurance companies in Nebraska
If you're looking for the best homeowners insurance company in Nebraska, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Nebraska:
- American Family
- Allstate
- Auto-Owners
- Progressive
- State Farm
Compare best homeowners insurance companies in Nebraska
The best way to find the right homeowners insurance policy in Nebraska is by getting quotes from multiple carriers. You should compare the insurers to find affordable homeowners insurance rates before deciding on the insurance company.
We have compared the home insurance carriers for Nebraska homeowners using J.D. Power scores and ratings from A.M Best. Below are the best homeowners insurance companies along with their overall ratings.
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| American Family | 5 | 831 | A |
| Allstate | 4 | 829 | A+ |
| Auto-Owners | 3 | 831 | A++ |
| Progressive | 3 | 821 | A+ |
| State Farm | 2 | 835 | A++ |
Average cost of homeowners insurance in Nebraska
The average cost of Nebraska homeowners insurance is $3,133 a year or $261 a month. Insurance prices vary because people have different insurance needs depending on where they live and what type of insurance coverage is required. Basic types include personal property, dwelling coverage, and additional living expenses. There are many different companies with various coverage options, so it's smart to compare home insurance quotes to get the best deal.
| Average annual premium | Average monthly premium |
|---|---|
| $3,133 | $261 |
10 Most expensive zip codes in Nebraska for homeowners insurance
In Nebraska, insurance companies consider your ZIP code to be an important metric while deciding on insurance premiums.
We have compared quotes from major insurance providers in Nebraska for nearly all the ZIP codes. The most expensive ZIP code for home insurance in Nebraska is 69361. Its average rate is $3,236 a year-- $931 more than the national average ($2,305).
Find below the average home insurance rates for other ZIP codes-
| ZIP code | Average annual rate |
|---|---|
| 69361 | $3,236 |
| 69145 | $3,220 |
| 69133 | $3,184 |
| 69162 | $3,132 |
| 69128 | $3,118 |
| 69141 | $3,098 |
| 69149 | $3,096 |
| 69156 | $3,084 |
| 68178 | $3,057 |
| 69131 | $3,029 |
10 Least expensive zip codes in Nebraska for homeowners insurance
Homeowners insurance rates are determined by many factors, and one of the most important ones is your zip code. Some ZIP codes in Nebraska have relatively lower home insurance costs than others.
The least expensive ZIP code for home insurance is 68514; its average rate is $2,142 a year --- $991 less than the state average ($3,133).
Below is a list of the least expensive ZIP codes for homeowners insurance in Nebraska-
| ZIP code | Average annual rate |
|---|---|
| 68514 | $2,142 |
| 68324 | $2,147 |
| 68417 | $2,174 |
| 68403 | $2,204 |
| 68506 | $2,219 |
| 68510 | $2,229 |
| 68503 | $2,238 |
| 68505 | $2,242 |
| 68516 | $2,251 |
| 68521 | $2,252 |
Cheap homeowners insurance in Nebraska
Your home is one of the most precious items you own. Make sure you insure your home with one of the reliable Nebraska homeowners insurance companies.
Based on Insurance.com's rate analysis, the cheapest homeowners insurance company in Nebraska is Farmers. It offers home insurance at an average of $2,113 a year.
Apart from Farmers, Travelers, Allstate, and Farm Bureau offer cheap insurance rates to Nebraska homeowners.
Find below the list of cheapest home insurance companies in Nebraska and their average annual premium-
| Company name | Average annual premium |
|---|---|
| Farmers | $2,113 |
| Travelers | $2,554 |
| Allstate | $2,684 |
| Farm Bureau | $3,278 |
| American Family | $3,478 |
| Nationwide | $3,556 |
| Foremost | $4,280 |
| Safeco | $4,830 |
| Fire Insurance | $5,951 |
| State Farm | $5,955 |
| Liberty | $9,974 |
Home-auto discount bundle in Nebraska
Auto insurance companies often offer discounts to those who bundle their car and homeowners insurance policies. A home and auto bundle can save you an average of $737 a year or 17%, based on Insurance.com's rate analysis.
You can save an average of $1,509 a year or 34% if you bundle your home and auto insurance policies from State Farm, the highest among the carriers surveyed.
Below we provide a list of top insurance companies in Nebraska that offer discounts on home and auto bundles.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| State Farm | $1,509 | 34% |
| Farm Bureau | $897 | 22% |
| American Family | $800 | 19% |
| Nationwide | $785 | 20% |
| Amco | $729 | 20% |
| Farmers | $725 | 20% |
| Travelers | $709 | 6% |
| USAA | $281 | 10% |
| Allstate | $201 | 6% |