Best and Cheapest Home Insurance in Omaha, Nebraska (2026)

Omaha premiums run below Nebraska's average, and USAA offers the cheapest home insurance in Omaha at $2,440 annually. That's 60% below the city average of $6,089, a gap that shows how much money is on the table when homeowners compare quotes from multiple insurers. Rates vary widely for identical coverage, so getting quotes from several companies can save Omaha residents hundreds per year. 

The five most affordable home insurance companies in Omaha are USAA, Farmers, American Family, State Farm and Allstate, based on MoneyGeek's analysis of average annual premiums.

*Rates are for a 2,500-square-foot home built in 2000, with $250,000 of dwelling coverage and a $1,000 deductible.

With a 4.6 out of 5 overall score, American Family offers the best homeowners insurance in Omaha. MoneyGeek's team evaluates affordability, coverage offerings and customer service reputation when calculating these scores.

Omaha's top five homeowners insurance companies are American Family, USAA, State Farm, Farmers and Allstate.

*USAA membership is limited to military-affiliated individuals. Although it earned the highest MoneyGeek score, we ranked it No. 2 due to its eligibility requirements.

Home insurance coverage limits come with a cost-versus-protection tradeoff. Higher dwelling coverage raises your premium but keeps you from paying out of pocket if rebuilding costs go beyond your policy limits. USAA has the lowest rates across most coverage tiers in Omaha and beats all competitors for basic coverage for eligible members.

Mid-age properties offer the lowest insurance premiums in Omaha, while newer homes with modern safety features fall in the middle price range. Omaha's older homes built before 1980 carry the highest rates for homeowners insurance.

Poor credit costs much more than excellent credit for identical home insurance coverage in Omaha. Farmers offers the cheapest rates for homeowners with excellent credit, while USAA provides the most affordable premiums across most other credit levels. Insurers rely on credit-based insurance scores because they help predict how likely you'll be to file a claim.

Omaha residents get affordable home insurance through comparing multiple quotes and customizing coverage for their home's specific risks.

Homeowners in Omaha frequently ask about policy requirements, premiums and how regional risks influence their coverage options.

MoneyGeek analyzed home insurance premiums from 10 companies in Omaha using data from Quadrant Information Services and customer satisfaction scores from J.D. Power surveys.

We collected quotes for a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 liability coverage and a $1,000 deductible. We also gathered quotes for homes with different construction dates, coverage limits, deductibles and credit scores across multiple scenarios.