Nebraska's average home insurance premium costs $523 monthly or $6,277 annually. That's $234 more per month than the national average, making it 81% higher than typical rates nationwide. Nebraska ranks as the 5th most expensive state for home insurance coverage.
Average Home Insurance Cost in Nebraska
Updated: January 6, 2026
Advertising & Editorial Disclosure
Key Takeaways: Nebraska Home Insurance Rates
Nebraska home insurance costs average $523 monthly or $6,277 annually, ranking as the fifth most expensive state for homeowners coverage nationwide.
Determine your coverage needs, gather multiple quotes and research providers to find the best home insurance in Nebraska for your situation.
MoneyGeek's free home insurance calculator helps you estimate costs in seconds without entering any personal information.
How Much Is Home Insurance in Nebraska?
| Nebraska | $6,277 | $3,467 | 81% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
Get Free Nebraska Home Insurance Estimates
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.
$220
High
$144
Average
$104
Low
Rates updated:
Jan 07, 2026
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
What Affects Average Nebraska Home Insurance Costs?
Nebraska home insurance costs vary based on multiple factors. Your location, coverage limits, home construction materials, insurance company, credit score and claims history all influence your premium. These elements work together to determine what you'll pay for coverage, and understanding each one helps explain rate differences across the state.
Average Nebraska Homeowners Insurance Pricing by Coverage Level
Nebraska homeowners pay between $3,739 and $15,981 annually depending on coverage limits. Entry-level protection costs $312 monthly, while comprehensive $1 million dwelling coverage reaches $1,332 per month. Each coverage tier roughly adds $3,000 to $4,000 to your annual premium as you increase protection levels.
| $100K Dwelling / $50K Personal Property / $100K Liability | $312 | $3,739 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $523 | $6,277 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $829 | $9,945 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $1,087 | $13,039 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $1,332 | $15,981 |
Average Cost of Nebraska Home Insurance by Company
Nebraska insurance rates differ by provider. USAA leads with the most affordable average annual rate at $2,566. State Farm and American Family charge around $3,900 annually, while Allstate and Nationwide range from $4,400 to $4,900. Farm Bureau and Travelers represent the premium tier at $8,817 and $18,028 respectively.
| USAA | $214 | $2,566 |
| Farmers | $311 | $3,733 |
| State Farm | $323 | $3,874 |
| American Family | $325 | $3,903 |
| Allstate | $367 | $4,399 |
| Nationwide | $408 | $4,895 |
| Farm Bureau | $735 | $8,817 |
| Travelers | $1,502 | $18,028 |
Average Nebraska Home Insurance Cost by City
Home insurance costs vary across Nebraska cities due to local factors. Property values, home age, and weather risks differ between locations, creating rate variations. Cities with older homes or higher storm exposure see higher premiums than areas with newer construction and lower weather risks.
| Bellevue | $495 | $5,941 |
| Cambridge | $605 | $7,256 |
| Dannebrog | $582 | $6,981 |
| Lincoln | $490 | $5,885 |
| Omaha | $507 | $6,089 |
Nebraska Homeowners Insurance Costs by House Age
Your home's age creates noticeable rate differences in Nebraska. Annual premiums range from $4,471 for newer homes to $6,277 for middle age properties. Older homes cost $5,872, positioning them between the two extremes but still $1,401 above newer construction rates.
| Newer | $373 | $4,471 |
| Older | $489 | $5,872 |
| Middle Age | $523 | $6,277 |
Average Nebraska Home Insurance Cost by Credit Score
Your credit profile determines your rate tier in Nebraska. Excellent credit qualifies for the lowest bracket at $2,905 annually. Good credit doubles that cost to $6,277. Below fair and poor credit push premiums to $7,267 and $10,031 respectively, with poor credit costing 3.5 times more than excellent credit.
| Excellent | $242 | $2,905 |
| Good | $523 | $6,277 |
| Below Fair | $606 | $7,267 |
| Poor | $836 | $10,031 |
Why Is Home Insurance So Expensive in Nebraska?
Nebraska ranks as the fifth most expensive state for home insurance, with average annual premiums reaching $6,277 — 81% above the national average. Several state-specific factors drive these elevated costs.
Severe Weather Concentration
Nebraska experiences 1.5 severe weather events annually, according to the National Oceanic and Atmospheric Administration (NOAA). The state sits in "Hail Alley," where large hail events cause widespread property damage each year.
Agricultural Infrastructure Risks
Nebraska's rural character means many properties include barns, outbuildings and agricultural structures requiring coverage. These structures increase total insured value and claim complexity compared to standard suburban homes.
Rising Claims Frequency
Insurance claim frequency directly impacts premiums statewide. Nebraska homeowners filing just one claim see annual costs jump from $6,277 to $7,276. That is a $999 increase. Two claims push premiums to $8,117, adding $1,840 to baseline rates. This pattern incentivizes insurers to charge higher base premiums in a state with consistent weather-related claims.
Tips to Save on Nebraska Home Insurance
Nebraska home insurance costs continue rising, making it essential to find the cheapest home insurance in Nebraska for your budget. These proven strategies help both new buyers and current homeowners reduce their premiums.
- 1Calculate Coverage Needs
Base your dwelling coverage on current construction costs, not your home's market value. Document your belongings to determine personal property limits.
Omaha and Lincoln homeowners should evaluate water backup coverage for basement flooding risks and scheduled coverage for valuables exceeding standard policy limits.
- 2Research Rates and Discounts
MoneyGeek's Nebraska calculator provides quick cost estimates based on your home's location, age and size. Contact insurers directly to ask about available discounts. Security systems, newer construction, claim-free records and protective devices like smoke detectors reduce premiums 5% to 15%.
- 3Compare Multiple Providers
Gather quotes from three or more insurers and evaluate beyond price alone. Review customer satisfaction scores, claims handling reputation and financial stability ratings.
Cheap coverage from Grand Island to Norfolk loses value quickly if the insurer delays claims or provides poor service when you need help most.
- 4Bundle Home and Auto
Combining policies with one provider delivers 10% to 25% savings on both home and auto insurance. Kearney and Bellevue homeowners save $200 to $500 per year through bundling instead of splitting coverage between companies.
- 5Lower Your Risk Profile
Install safety features like smoke detectors, security systems or storm shutters to qualify for premium reductions. Maintaining a claim-free record saves $999 to $1,840 annually compared to filing claims. Improving credit from below fair to good saves about 14% in Nebraska.
REVIEW YOUR COVERAGE ANNUALLY
Nebraska homeowners should review their dwelling coverage limits every year to account for rising construction costs. Building expenses increased between 2022 and 2024, meaning your existing $250,000 dwelling coverage might fall short if you need to rebuild. Contact your insurer annually to adjust limits based on current construction costs in your area. Underinsuring saves money on premiums today, but could leave you with a $50,000 to $100,000 gap after a total loss.
Calculate Nebraska Homeowners Insurance Costs: FAQ
The questions and answers below explain what affects your rates and help you understand potential expenses for coverage in the state.
How much will my premium increase after filing a claim in Nebraska?
In Nebraska, your homeowners insurance premium jumps by $999 after one claim and $1,840 after two claims compared to claim-free customers. Homeowners without any claims in the past five years pay $6,277 annually on average.
One claim pushes your rate to $7,276 per year, while two claims cost $8,117 annually. Claims stay on your record for five years, meaning you'll have these elevated rates throughout that entire period.
How much can I save by choosing a different insurer in Nebraska?
Shopping around for home insurance in Nebraska can save you thousands of dollars annually. USAA offers the most affordable rates at $214 per month, while Travelers charges $1,502 monthly for comparable coverage.
American Family costs $325 monthly compared to Allstate's $367, creating a $42 monthly difference for similar protection. Compare quotes from at least three insurers to find the best rate for your situation.
Does home insurance in Nebraska cover tornado damage?
Yes, standard home insurance policies in Nebraska cover tornado damage to your dwelling, other structures and personal property. Your policy covers wind damage from tornadoes, including roof damage, broken windows and destroyed structures. But you'll need to pay your deductible before coverage kicks in.
Most Nebraska homeowners have wind and hail deductibles that are separate from their regular deductible. These wind deductibles are often higher and may be calculated as a percentage of your home's insured value rather than a flat dollar amount. Flood damage from tornadoes is not covered by standard home insurance.
Why does home insurance cost more for older homes in Nebraska?
Older homes in Nebraska cost 31% more to insure than newer properties. A home built in 1980 averages $5,872 annually, while a 2020-built home costs $4,471 per year. This creates a $1,401 yearly difference between old and new homes.
Middle-aged homes from 2000 fall at $6,277 annually, actually costing more than both older and newer properties in this comparison. Insurance companies charge higher premiums for older homes because aging systems create more risk.
What discounts can Nebraska homeowners get on insurance?
Nebraska insurers offer multiple discount programs. Common discounts include claim-free records (saving $999 to $1,840 annually), security system installations (5% to 15% off), bundling home and auto policies (10% to 25% savings), newer home discounts, and protective device installations like smoke detectors or storm shutters. Contact your insurer to ask which discounts you qualify for.
How We Analyzed Nebraska Home Insurance Rates
MoneyGeek calculated Nebraska home insurance estimates using real rate data from multiple insurers. This approach shows how specific factors affect what you actually pay for coverage.
We based our analysis on a standard homeowner profile: $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage, and a $1,000 deductible. The home profile includes a house built in 2000 with frame construction and a composition roof, plus no insurance claims filed in the past five years.
This profile represents typical Nebraska homeowners. The $250,000 dwelling amount matches median home values across many Nebraska communities. The 2000 construction year reflects the most common home age category statewide.
Our analysis isolated each factor's impact by changing one element while keeping everything else the same. For example, we compared homes built in 1980, 2000, and 2020 using identical coverage amounts and homeowner characteristics. This method shows exactly how much each factor changes your premium.
Your actual rates will be different depending on your home's construction, roof type, location, coverage amounts, claims record, credit score, and insurance company. The rate differences shown here demonstrate how much these factors matter when you shop for home insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- NOAA. "Nebraska Summary." Accessed January 5, 2026.