Updated: November 13, 2025
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The average cost of homeowners insurance in Nebraska in 2024 is $4,906. This figure is $2,483 more than the national average of $2,423. Aside from the amount of coverage you get, credit rating has the largest impact on premiums in Nebraska. The difference in premiums due to credit rating can reach $8,589 on average.
If your rates have recently increased, we've also analyzed the cheapest policies in Nebraska. The insurance provider you choose can also make a difference in your premiums.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 22, 2025
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Table of Contents
To establish the average cost of homeowners insurance in Nebraska, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of car insurance in Nebraska as of 2024.
In Nebraska, the average homeowners insurance premium for a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage is $4,906. This is more than the national average of $2,423.
Choose enough home insurance to rebuild your home and replace belongings after a loss. Nebraska policies with $100,000 dwelling coverage cost $2,865 annually. Larger homes needing $500,000 dwelling coverage pay $7,600 per year. Higher coverage limits mean higher premiums.
| $100K Dwelling / $50K Personal Property / $100K Liability | $2,865 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $4,906 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $7,600 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $9,940 |
Homeowners insurance premiums vary widely between Nebraska providers, even for identical coverage. Travelers charges nearly three times what American Family does for the same policy.
Nebraska's top providers offer competitive rates. Each company assesses risk differently and offers different discounts, creating huge price gaps.
| American Family | $3,215 |
| Farm Bureau | $3,686 |
| Farmers | $4,035 |
| Allstate | $4,091 |
| State Farm | $4,135 |
| USAA | $5,158 |
| Nationwide | $5,422 |
| Travelers | $9,502 |
Nebraska homeowners with excellent credit pay $3,277 annually for homeowners insurance, $1,629 below the state average. Poor credit costs you $11,866 per year, $6,960 above average.
Improving your credit score takes time but cuts insurance costs substantially. And compare insurers to find savings. Nebraska's most affordable homeowners insurance can lower your rates despite imperfect credit.
| Poor | $11,866 |
| Below Fair | $8,365 |
| Fair | $6,583 |
| Good | $4,906 |
| Excellent | $3,277 |
Roof type affects Nebraska insurance premiums. Tile and other durable materials cost less to insure because they withstand harsh weather longer. Less durable roofing materials increase your premium.
Home construction materials also determine your insurance costs. Fire-resistant materials earn better rates. Homes built with brick or concrete cost less to insure than standard wood frame construction.
| $100K Dwelling / $50K Personal Property / $100K Liability | $2,865 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $4,906 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $7,600 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $9,940 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $12,314 |
Insuring a new construction home in Nebraska generally costs less than an existing home. The average annual premium for new construction is $2,851, which is $2,055 lower than the $4,906 average for older homes.
| Existing Construction (2000) | $4,906 |
| New Construction (2023) | $2,851 |
In Nebraska, homeowners who have been claim-free for five or more years can expect an average annual premium of $4,906. However, those with one claim in the past five years typically see an increase to $5,775, while two claims may raise the premium to $6,353. This data illustrates that a clean claims history can significantly affect insurance costs, with premiums rising up to $1,447 above the average for multiple claims within a five-year period.
| Claim free for 5+ years | $4,906 |
| 1 claim in past 5 years | $5,775 |
| 2 claims in past 5 years | $6,353 |
In Nebraska, tornadoes and flooding are the top natural disasters homeowners might face. While standard home insurance policies usually cover tornado damage, they typically don't cover flood damage. Homeowners may need to buy separate flood insurance for that.
Nebraska city premiums range from $4,301 to $4,479 annually. Lincoln costs $4,301 per year. Omaha runs slightly higher at $4,479. Your city's crime rates and weather risks affect your premium, though many other factors also matter.
| Lincoln | $4,301 |
| Omaha | $4,479 |
Shopping for Nebraska home insurance gets easier when you understand what affects your costs. Find your best deal with these steps.
Ask about bundling and other money-saving options.
Choose a provider with strong service and claims handling.
Pick an amount you can afford to pay out-of-pocket after a claim.
Buy coverage matching your needs and budget.
Bundling home and auto policies in Nebraska cuts insurance costs. MoneyGeek's analysis shows annual savings of $328 to $1,218, averaging 17% off. Multi-policy bundles simplify insurance management while reducing premiums.
Nebraska homeowners can cut premiums with these discounts:
Ask about available discounts when you get quotes.
American Family offers Nebraska's lowest average premium at $3,215 annually. Learn more about cheap national providers.
Tornado damage, a common natural disaster in Nebraska, is typically covered by homeowners insurance.
Credit rating is the biggest factor impacting homeowners insurance prices in Nebraska, with a difference of $8,589 between excellent and poor credit.
On average, bundling your insurance policies in Nebraska can save you up to $1,218 per year.
Flood insurance is not typically included in a standard home policy. It can be purchased through the National Flood Insurance Program or a private flood insurer, and some home insurers offer it as an endorsement.
Finding homeowners insurance in the state is easier with the right resources. Use the following to understand state regulations, find affordable coverage or calculate costs:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
