Renters insurance in Nebraska: Cost, best companies and how to save

What is the average cost of renters insurance in Nebraska?

The average renters insurance cost in Nebraska is $266 per year. Rates vary based on factors such as location, coverage amount, deductible, and claims history.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premium	$266
Average monthly premium	$22

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Best renters insurance company in Nebraska: State Farm

State Farm ranks as the best renters insurance company in Nebraska, earning a top score among the carriers we surveyed. Its average rate is $146 per year.

Nationwide and Farmers Mutual Ins Co of NE are also among the top insurance companies for renters insurance in Nebraska.

Renters insurance rates vary significantly among providers, so you should compare options before choosing. You should also select a company with a good reputation to ensure it will be there if you have a claim.

To help you find the best renters insurance in Nebraska, we evaluated average rates, NAIC complaints ratio, and AM Best financial ratings. We calculated the total Insurance.com score out of five using these factors.

Here are the best renters insurance companies in Nebraska.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
State Farm	$146	A++	0.95	5
Nationwide	$205	A+	0.87	4.77
Farmers Mutual Ins Co of NE	$232	A	0.13	4.66
American Family	$240	A	0.37	4.63
Farmers	$312	A	0.54	4.43
Travelers	$617	A++	0.54	3.78

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Cheapest renters insurance in Nebraska

State Farm is the cheapest renters insurance company in Nebraska, with an average annual premium of $146, based on our analysis.

Since renters insurance rates vary significantly from one provider to another, comparing quotes is the best way to find affordable coverage that fits your needs.

Below is the list of the cheapest renters insurance companies in Nebraska and their average annual premiums.

Company name	Average annual premium
State Farm	$146
Iowa Farm bureau	$180
Nationwide	$205
Farmers Mutual Ins Co of NE	$232
American Family	$240
Farmers	$312
Travelers	$617
USAA	$148

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Nebraska renters insurance: The least and most expensive ZIP codes

Where you live in Nebraska directly affects the cost of your renters insurance. The most expensive ZIP code in Nebraska is 68176, where the average annual premium is $371. This is $105 more than higher than the average rate.

On the other hand, 69354 is the least expensive ZIP code for renters insurance with an average annual premium of $246 a year.

Best home insurance companies in Texas

Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
68176	$371
68016	$358
68068	$357
68063	$356
68364	$355
69135	$353
69220	$352
69171	$350
68441	$299
68956	$295

ZIP code	Average annual rate
69354	$246
68724	$248
69036	$251
68975	$253
69337	$253
68138	$269
68113	$270
68128	$271
68117	$273
68010	$274

Renters insurance cost in Nebraska by city

Renters insurance rates vary widely across cities in Nebraska, driven by factors such as weather risks, crime rates, and other factors. To find the best deal in your city, you should consider these factors and compare quotes from multiple insurers before choosing a policy.

City	Annual insurance premium
Bellevue	$244
Columbus	$238
Fremont	$239
Grand Island	$238
Hastings	$237
Kearney	$238
Lincoln	$241
Norfolk	$238
Omaha	$258
Papillion	$240

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How to save on renters insurance in Nebraska

There are several easy ways to lower the cost of renters insurance in Nebraska without losing necessary coverage:

Bundle your policies. Many insurance companies offer a discount if you buy renters and auto insurance together.
Increase your deductible. Choosing a higher deductible will lower your monthly or yearly premium; just ensure you can afford it.
Ask about discounts. Most providers offer savings for things like smoke alarms, security systems, or being claims-free.
Compare quotes. Prices can vary widely between companies, so getting quotes from multiple insurers can help you find the best deal.
Pay annually. Some insurers offer a small discount if you pay once a year instead of monthly.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

FAQ: Nebraska renters insurance

Do I need renters insurance in Nebraska?

You do not legally require renters insurance, but your landlord may require you to carry a policy as part of your lease agreement.

How much renters insurance do I need in Nebraska?

You should make sure your personal property coverage is sufficient to replace all of your belongings at replacement cost; there is no minimum requirement.