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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

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.

CompanyOverall ratingJ.D. Power scoreAM Best rating
American Family5831A
Allstate4829A+
Auto-Owners3831A++
Progressive3821A+
State Farm2835A++

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 premiumAverage 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 codeAverage 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 codeAverage 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 nameAverage 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$1,50934%
Farm Bureau$89722%
American Family$80019%
Nationwide$78520%
Amco$72920%
Farmers$72520%
Travelers$7096%
USAA$28110%
Allstate$2016%