Nebraska Homeowners Insurance

Nebraska homeowners insurance rates average at $814/yr or $68/mo. To get the best home insurance coverage in Nebraska, take a good look at your policy and make sure you have all the coverage that you need. Find the best coverage by comparing homeowners insurance companies online. Enter your ZIP code below to compare Nebraska home insurance quotes for free.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 5, 2020

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Insurance costs $814 on average in the state of Nebraska, based in part on the home value. To get the most complete coverage at the lowest price, learn about the parts of the policy and the specific dangers your home may face.

  1. Dwelling
    The main part of your home insurance is on the dwelling itself. Dwelling is usually the home you live in on the insured property. Dwelling also includes any home additions or other structures that are affixed to the dwelling in such a way that they cannot be removed without causing irreparable damage to the dwelling.
  2. Other Structures
    Other structures are any man made constructions on the property other than the primary dwelling. Other structures can include secondary residences, such as a guest cottage or bungalow, but they also include other buildings such as a workshop or boat house, or even support buildings such as a gate house or pump enclosure.
  3. Personal Property
    Your personal effects, including everything from your household appliances to Christmas lights strung around the eaves of your house. Personal property is going to be different for each person and the best way to keep track of what you are insuring is to make a home inventory, usually a video recording that includes a room by room inventory of the entire property.
  4. Loss of Use
    When something that is covered on your home insurance policy happens to the dwelling or a portion of it, such as a bathroom with a broken pipe, a kitchen fire, or a tree falling on the roof, the loss of use portion of your policy will pay you back for any money you have to spend in order to maintain your accustomed lifestyle. Loss of use claims need to be detailed and supported by receipts for each purchase you had to make.

Average Nebraska Homeowner Insurance Rates vs. US

Source: USCB

Cheaper Nebraska Home Insurance

There are two ways to get cheaper home insurance without sacrificing the coverage you need: short term benefits in the form of discounts, and long term savings by not allowing yourself to be put in a position where you have to file claims.

  • Home Security
    In the state of Nebraska, the burglary rate is 4.56 out of 1000 homes. To reduce the risks for your home, you can do several things, some of which will also net you a discount on your home insurance premiums. For one thing, install a monitored alarm system. Insurance companies offer discounts for such systems when they are monitored around the clock by an outside agency. Another idea is to put up a fence around the property. You can even install deadbolts and bars on your windows to give your home the best protection possible.
  • Reduce Insurance Risks
    A well-cared for home is less of an insurance risk than one which is left to weather. Cleaning your gutters and the valleys on your roof takes a little effort, for instance, but the benefit is a roof that last longer without leaking, and that means saving money and avoiding filing a claim that could be turned down because you didn’t perform preventive maintenance.
  • Credit Score and Insurance Risk
    Your credit score is an important factor in determining insurance premiums of any type of insurance. When your credit score is 650 or higher, you can even get insurance premium discounts because of it. That is one reason why monitoring your credit score is so important, it affects everything in your financial life, including insurance.

Home Characteristics Affecting Nebraska Insurance Rates

As a home ages, it can suffer from many forms of deterioration. The roof will eventually need to be replaced, pipes may break and electrical wiring could begin to short out. Where the electric is concerned, newer homes are built with better fail safes than older homes, and that may mean that your insurance costs are affected to compensate for the additional risk.

Local Natural Disasters Nebraska Homeowners Should Consider Protecting Against

The potential natural perils that a home faces vary from location to location. To help you better protect your home, you should become acquainted with the dangers in your area and take the appropriate steps to get the best insurance protection.

  • Earthquakes
    Ranked at 27 out of 51, Nebraska is in the middle of the danger list. Earthquakes are very rare, but it is important to note that earthquakes are not covered by a standard insurance policy. You may never experience an earthquake, but if one strikes, having the right coverage will be vital.
  • Flood
    Nebraska residents filed 366 claims in 2009, while the nation as a whole filed 46,621 flood claims. The thing about flooding is that floods are not covered in any standard home policy. Coverage must be purchased separately, and usually can only be gotten from a company that sells high risk insurance or special pools set up in each state for such catastrophes.
  • Hail
    Hail damage can occur in every state, in varying degrees of destructiveness. It may only be a slight annoyance, but hail can also cause tremendous damage to siding, roof tops, and any thin metal surfaces, such as you might have in a utility shed. Hail damage is covered under your standard policy unless it is specifically excluded.
  • Hurricanes
    Hurricanes are not a problem in Nebraska. Instead, severe winter storms could create some of the same types of damages. In most cases, the only type of storm damage that you need to be worried about is flooding, because that peril is not part of a standard home insurance package.
  • Tornadoes
    At around 56 tornadoes a year, Nebraska has little to worry about where tornadoes are concerned. But if your home is one of those that get hit, you will want to be protected. In most policies, tornadoes are considered wind damage, but read your policy carefully in case this peril has been excluded.
  • Wildfires
    In the neighborhood of 74,749 wildfires spring up around the country every year, and no state is immune from them. The good news is that unless they have been excluded in writing from your policy, wildfire damage is considered as fire damage and part of your standard coverage.

Nebraska Homeowners Insurance Optional Coverages

Home insurance personal injury liability protect he coverage may not be enough if you have much in the way of personal assets. To protect what it yours, an umbrella liability policy is the way to go. Also, look into increasing the limits on your personal property protection because you home policy only allows for a few thousand dollars in coverage by default, an amount that is rarely up to covering the effects of an entire family.

Important Contact Information

Nebraska Department of Insurance
Terminal Building
941 O Street, Suite 400
Lincoln, NE 68508-3639
Phone: (402) 471-2201
Website

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