The 3 Best Nebraska Homeowners Insurance Companies

Located in what is called “Tornado Alley” in the south-central United States, Nebraska is no stranger to inclement weather. From severe droughts to hailstorms, the Cornhusker State has seen it all. It’s no wonder that average premium rates for homeowners insurance in Nebraska hover around $1,583 per year, a difference of $355 over the national average of $1,228, according to Insurance.com.

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 important in a high-risk state like Nebraska.

Find the Best Home Insurance in Nebraska

Save money on home insurance with our simple comparison tool.

Matching you with providers.
We found results in
Click at least 2-3 companies to find the very best rate.

    America’s top-rated home insurance

    • Policies starting at just $25/month
    • Sign up in seconds, claims paid in minutes
    • Zero hassle, zero paperwork
    In this article

      Our Top Picks for Best Homeowners Insurance in Nebraska

      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, including single-family homes, condominiums, mobile homes, farms and ranches.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4 / 5.0
      close
      SimpleScore State Farm 4
      Discounts 2
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      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 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 its 24-hour claims hotline, using the handy PocketAgent mobile app or by visiting one of its 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 quickly and accurately 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 to safe living conditions. If your policy paperwork is in that damaged home, the State Farm mobile app lets you file a claim any time of day or night.

      Nationwide

      Nationwide offers affordable insurance for Nebraska homeowners with broad coverage options and multiple discount opportunities. Identity and credit monitoring options will cover things like unauthorized credit card purchases.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA+
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Nationwide 4.2
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

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

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

      Each Nationwide policy also comes 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 is a trustworthy and affordable option for your Nebraska homeowners insurance policy. The highly customizable plan begins with three tiers of coverage: Standard, Enhanced and Premier.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      N/A
      SimpleScore
      3.2 / 5.0
      close
      SimpleScore Farmers 3.2
      Discounts 2
      Coverage Options 3
      Customer Satisfaction 3
      Support 4
      Accessibility 4

      The company offers multiple add-on protections so you can customize your policy to best fit your lifestyle. Its 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 offers 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.

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

      Find the Best Home Insurance in Nebraska

      Save money on home insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        America’s top-rated home insurance

        • Policies starting at just $25/month
        • Sign up in seconds, claims paid in minutes
        • Zero hassle, zero paperwork

        How much is homeowners insurance in Nebraska?

        Nebraska’s average annual homeowners insurance rate of $1,583 is higher than the national average by 29 percent. This rate varies within the state based on a number of factors. These include whether the home is in a city or a rural area, the average home prices in the area and the likelihood of natural catastrophes in the area. This is discussed in the following section.

        Nebraska Rate Factors

        The relatively high cost of insurance in Nebraska is due to a number of factors. Flooding, tornadoes and winter ice storms are the biggest catastrophes that cause problems for homeowners in the state. While Nebraska is removed from many of other types of catastrophes, such as wildfires, hurricanes and earthquakes, the low, flat elevation makes it vulnerable to flooding and extreme weather patterns.

        Methodology

        SimpleScore

        The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
        For every review, our editorial team:

        • Identifies five measurable aspects to compare across each brand
        • Determines the rating criteria for each aspect score
        • Averages the five aspect scores to produce a single SimpleScore

        Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers – more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that offer more coverage options.

        Support

        We awarded higher scores to companies with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company – the more resources they have the higher their score