Updated on 01.05.17

The 3 Best Nebraska Homeowners Insurance Companies

Located in the so-called “Tornado Alley,” Nebraska is no stranger to inclement weather. From severe droughts to hailstorms, the Cornhusker State has seen it all, so its no wonder that average premium rates for homeowners insurance in Nebraska hover around $1,040 per year, slightly higher than the national average.

Besides getting educated on various disasters and how to best prepare for them, there are other steps homeowners can take to make sure they are covered in the event of an emergency. Shopping around for a homeowners insurance provider that offers a good mix of affordable rates and flexible coverage is pertinent in a high-risk state like Nebraska.

We’ve outlined our top picks for Nebraska homeowners insurance below and included an online quote tool so you can easily compare policies and get accurate estimates for providers in your area.

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

State Farm

State Farm is the most popular option for homeowners insurance in Nebraska.

The company offers standard policy options for nearly every type of dwelling in the Cornhusker State, including single-family homes, condominiums, mobile homes, and farms and ranches. Each State Farm policy protects your property from damage caused by fire and lightning, windstorms, hail, and theft. Add-on coverage options are also available to add increased protection against personal injury and liability, personal property damage, and identity theft.

State Farm boasts the largest claims network in the U.S. Should you need to file a claim, doing so with State Farm is a hassle-free process that can be taken care of online, via their 24-hour claims hotline, using the handy PocketAgent mobile app, or by visiting one of their many local Nebraska offices. Take advantage of State Farm’s HomeIndex tool, which allows you to keep a running online inventory of your covered possessions so you can respond efficiently when filing a claim.

If your home requires water mitigation services or floor repair after a covered loss, State Farm’s Premier Service Program can get you connected with a reputable contractor in your area to carry out emergency repairs and restore your home back to safe living conditions.

Nationwide

Nationwide offers affordable insurance for Nebraska homeowners with broad coverage options and multiple discount opportunities.

Standard Nationwide policies can be supplemented with specialty protections like their unique Brand New Belongings coverage, which provides you with funds to replace any stolen or damaged personal property with the newest versions available after a covered loss.

Nationwide works to save policyholders money on their premiums by offering numerous premium price breaks — save up to 30% on your policy if your home is new or recently renovated, 20% for having a claim-free history or bundling policies, 15% for installing security devices, and 5% just for being married.

Each Nationwide policy comes also equipped with a free On Your Side review. This consultation teaches you how to understand your deductible, manage your policy, identify any missed eligible discount opportunities, and ensure that you’ve selected the right amount of coverage for your living situation and budget.

Farmers Insurance

Backed by an A rating for financial strength from A.M. Best, and providing quality insurance for over 80 years, Farmers Insurance is a trustworthy and affordable option for your Nebraska homeowners insurance policy.

The company offers multiple add-on protections so you can customize your policy to best fit your lifestyle. Their Eco-Rebuild coverage, for example, reimburses you for any additional expenses incurred as a result of rebuilding or repairing your home with certified ‘green’ materials.

Farmers also gives policyholders multiple ways to save on their homeowners insurance premium. The company offers standard discounts, like those for policy bundles and installing security devices, in addition to unique deductions for things like being a nonsmoker, having had a recent inspection on your home, or having made any “green” home efficiency renovations.

Farmers also gives price breaks to homeowners who have recently replaced their roofs, so if you have to shell out some big bucks for roof maintenance, keep in mind that at least you’ll be eligible for savings with Farmers.

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Related Resources:

Simple Share Buttons
Simple Share Buttons