How much is renters insurance in Nebraska?

The average cost of renters insurance in Nebraska is $266 a year, and the average monthly cost is $22. That's for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance may differ from your neighbours because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

"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 companies in Nebraska

State Farm, Nationwide and Farmers Mutual Ins Co of NE are our best renters insurance companies in Nebraska.

Rates differ widely between renters insurance providers, so it pays to shop around. But rates aren’t the entire picture. It’s also important to choose an insurance company with a good reputation so you know it will be there for you when you need it.

To help you choose the best renters insurance in Nebraska, we reviewed rates and third-party ratings including complaint volume with the National Association of Insurance Commissioners (NAIC) and financial ratings from AM Best.

Among the carriers surveyed, State Farm is the best renters insurance company in Nebraska, with a top score and an average renters insurance rate of $146.

Below is our list of best renters insurance companies in Nebraska based on that analysis, with our score out of five.

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 based on our rate analysis with an average annual premium of $146.

Renters insurance prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are 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 affects how much you pay for renters insurance. The most expensive ZIP code in Nebraska for renters insurance is 68176, where the average annual rate is $371 which is $105 more than the state average insurance premium.

On the other end of the spectrum, the least expensive ZIP code for renters insurance is 69354, with an average annual rate of $246.

The following table lists the least and most expensive ZIP codes in Nebraska for renters insurance.

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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

Compare renters insurance rates by city in Nebraska

Renters insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on renters insurance for your specific city in Nebraska.

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 get cheap renters insurance in Nebraska

There are a few things you can do to get cheaper renters insurance in Nebraska:

Shop around. Not every Nebraska renters insurance company offers the same rates or discounts. Shop around for the best price.
Ask about discounts. There are a lot of discounts available on renters insurance; one of the biggest is bundling your home and auto insurance, so ask for an auto quote at the same time.
Chose a higher deductible. Your deductible affects your premiums; higher deductibles mean lower rates. Just ensure you can afford the deductible if you have to pay it.

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.

Nebraska renters insurance: FAQ

Do I need renters insurance in Nebraska?

Renters insurance isn’t required by law, but your landlord may require you to purchase a policy as part of your lease agreement.

How much renters insurance do I need in Nebraska?

You don’t need any renters insurance by law, but when buying a policy you should ensure you have enough personal property coverage to cover all of your personal property at replacement cost.