The best home insurance companies in Nebraska are American Family, State Farm, Nationwide, Farmers and Allstate. American Family ranks first for both coverage options and customer service, while also leading in affordability. Compare all our top picks below.
Best Homeowners Insurance in Nebraska
Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Nebraska are American Family, State Farm and Nationwide.
American Family offers the best overall home insurance for most Nebraska homeowners and is also the better option if you have an older home.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Nebraska?
| American Family | 93 | 1 | 1 | 2 |
| State Farm | 88 | 3 | 2 | 3 |
| Nationwide | 84 | 2 | 4 | 1 |
| Farmers | 73 | 5 | 3 | 5 |
| Allstate | 69 | 4 | 5 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Home insurance rankings can differ based on a homeowner's unique needs or the type of property. Here's a summary of the top picks across key categories for your consideration.
| American Family | 93 | Overall |
| American Family | 93 | Older Homes |
| American Family | 91 | Newer Homes |
| American Family | 93 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| American Family | 93 | With Claims History |
Best Nebraska Home Insurance Reviews
Here's a detailed look at the leading home insurance providers in Nebraska, spotlighting those excelling in affordability, customer service, and diverse coverage options.
American Family: Best for Affordability
American Family is the cheapest provider on average for most homeowners in Nebraska, along with scoring well in our customer service category for the state. Its scores are around the national average according to J.D. Power for both claims and customer satisfaction. Additionally, the provider offers unique add-ons like service line coverage, matching siding protection, and hidden water damage coverage to provide broader protection for hard-to-spot and aesthetic-related home risks.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $138 | $1,660 |
| Newer Homes | $138 | $1,660 |
| Older Homes | $257 | $3,088 |
| Older Homes in High-Fire-Risk Areas | $257 | $3,088 |
State Farm: Best for Customer Service
State Farm is the third-most affordable provider in the state of Nebraska, however it stands out from the competition when it comes to customer service. The company is ranked seventh nationally in terms of customer satisfaction, according to J.D. Power. It also offers unique coverage options like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $215 | $2,582 |
| Newer Homes | $215 | $2,582 |
| Older Homes in High-Fire-Risk Areas | $359 | $4,310 |
| Older Homes | $359 | $4,310 |
Nationwide: Best for Coverage
Nationwide is most affordable for new homeowners, and second most affordable overall in the state. Additionally, it's the top option for coverage in Nebraska. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $85 | $1,020 |
| Newer Homes in High-Fire-Risk Areas | $86 | $1,034 |
| Older Homes | $424 | $5,083 |
| Older Homes in High-Fire-Risk Areas | $429 | $5,149 |
How to Find the Best Home Insurance in Nebraska
Finding the right insurance can be tough, but our step-by-step guide is here to help you easily navigate the process and choose the best coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value, the personal belongings inside, and local risk factors that might influence your required coverage.
- 2
Research costs and discounts
Discover how much home insurance costs in Nebraska to evaluate whether insurers truly offer savings. Also, look for available discounts, like bundling or installing home safety devices, to reduce your premiums.
- 3
Find the best providers for you
Find the optimal and cheapest home insurance in Nebraska. Use guides and research to assess customer service, price points, and coverage add-ons that suit your needs.
- 4
Compare multiple providers through all means
Complete your research by comparing quotes among providers. Make sure to obtain accurate quotes by checking that the coverage amounts match each other. Consider comparing through various channels, as agent and online estimates can vary.
Best Homeowners Insurance in Nebraska: Bottom Line
American Family, State Farm, and Nationwide are the best-rated homeowners insurance providers in Nebraska. Still, researching and comparing options will help you choose the right insurer for your specific needs.
Best Home Insurance in Nebraska: FAQ
Explore our FAQ section to find answers to common questions about choosing home insurance in Nebraska.
Which company is best for home insurance in Nebraska?
American Family is the best homeowners insurance provider in Nebraska with top marks for affordability, customer service, and ample coverage options. State Farm, Nationwide, Farmers, and Allstate are also commendable choices in Nebraska.
Who has the most affordable homeowners insurance in Nebraska?
Affordable homeowners insurance in Nebraska varies based on individual circumstances. However, the average cost in Nebraska is $1,719 annually.
How do you get the best homeowners insurance in Nebraska?
To find the best home insurance in Nebraska, decide on your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Nebraska: Our Methodology
We rated the best homeowners insurance providers in Nebraska using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.