Besthome insuranceNebraskaThe Best Homeowners Insurance Companies in Nebraska (2024)
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Although MoneyGeek found Nebraska’s best overall home insurance provider is Nationwide, American Family provides the best service, and State Farm ranks highest for expensive homes and bundling.
MoneyGeek’s scoring system for the best home insurance in Nebraska considered different types of homeowners and reviewed available coverages and discounts to help you find the best option.
MoneyGeek also analyzed the cheapest homeowners insurance providers in Nebraska for those more concerned with saving on their monthly bill.
Besthome insuranceNebraskaThe Best Homeowners Insurance in Nebraska
Best overall - Nationwide
Best for service quality - American Family Insurance
Best on a budget - Nationwide
Best for expensive homes - State Farm
Best for veterans - USAA
Best for bundling - State Farm
The Best Overall Homeowners Insurance Companies in Nebraska
To find the best-rated home insurance companies in Nebraska, MoneyGeek assessed customer satisfaction, financial stability, affordability and claims reputation.
The overall best home insurance companies in Nebraska are:
- Nationwide: MoneyGeek score of 85 out of 100
- Allstate: MoneyGeek score of 84 out of 100
MoneyGeek dived into why Nationwide and Allstate received the highest scores to be considered the best companies overall for homeowners insurance in Nebraska. We also covered their unique coverages and discounts.
The Top Home Insurance Companies in Nebraska
1
Nationwide
Score:85
Nationwide got a perfect score for affordability; a Nationwide policy costs around $2,427 per year in Nebraska. The company scored above-average for financial stability but lower, with an average score, for customer satisfaction. Nationwide provides better roof replacement, a unique add-on coverage.
More About Nationwide
With Nationwide’s better roof replacement, you have the option to replace your roof with better materials in a covered loss. The company also provides rare discounts, such as home buyer for homeowners that purchased a home within the last 12 months. And the continuously insured discount is based on the amount of time you had home insurance with your previous provider.
2
Allstate
Score:84
A homeowners policy with Allstate costs roughly $2,724 per year, which reflects its above-average score for affordability. Allstate also scored above-average for financial stability and near it for customer satisfaction. Allstate has the energy efficiency upgrade add-on coverage, a unique offering.
More About Allstate
With energy efficiency upgrade coverage, homeowners get additional money to replace damaged or destroyed items with more energy-efficient options. Another unique add-on coverage is mold and fungus, covering remediation costs. Allstate also offers HostAdvantage® home-sharing insurance, which gives you extra protection for your belongings when you rent your home.
HOW WE DETERMINED THE BEST NEBRASKA HOME INSURANCE
MoneyGeek gathered home insurance quotes from companies across the United States. We balanced these quotes against property claims and customer satisfaction scores from J.D. Power to find the best home insurance nationally and in Nebraska.
Keep in mind that your costs and customer experience might differ based on your unique situation. Read MoneyGeek’s methodology to learn more.
The Best Homeowners Companies in Nebraska for Service Quality
For homeowners who value service quality regardless of price, MoneyGeek uncovered the best home insurance companies in Nebraska. We mostly based our rankings on customer satisfaction and claims experience.
For the best service quality with a homeowners insurance policy, the best-rated home insurance companies in Nebraska are:
- American Family: MoneyGeek score of 83 out of 100
- Nationwide: MoneyGeek score of 81 out of 100
MoneyGeek explained how American Family and Nationwide scored the highest for homeowners that prefer excellent service no matter the price.
The Top Home Insurance Companies in Nebraska for Quality Service
1
American Family Insurance
Score:83
American Family ranks highest for customer satisfaction and second for claims experience, both with above-average scores. That means the company provides a great experience when homeowners process claims and has high-quality offerings.
More About American Family Insurance
American Family offers unique coverages that you can add to your policy. One is equipment breakdown coverage for appliances that covers damage because of a mechanical, electrical or pressure system breakdown. Another is hidden water damage to protect against the cost of water damage from a non-visible leak.
2
Nationwide
Score:81
Nationwide received the highest above-average score for claims experience but an average score for customer satisfaction. Whenever customers need to file a claim, Nationwide offers great service.
More About Nationwide
You can add coverages to your Nationwide policy. A unique add-on is better roof replacement that covers the cost of stronger and safer roof materials after a covered loss. More common coverages include contents replacement cost, scheduled personal property and extended reimbursement.
The Best Homeowners Companies in Nebraska on a Budget
If you’re looking for great service but need to save money, MoneyGeek scored the best home insurance companies in Nebraska on a budget.
The best home insurance companies in Nebraska for budget-minded homeowners are:
- Nationwide: MoneyGeek score of 92 out of 100
- Farmers: MoneyGeek score of 87 out of 100
Nationwide costs around $2,427 per year for a home insurance policy in Nebraska; Farmers costs roughly $2,590 per year.
MoneyGeek broke down why Nationwide offers the best home insurance on a budget in Nebraska and reviewed its unique coverages and discounts.
The Top Home Insurance Companies in Nebraska on a Budget
pros
The most affordable home insurance in Nebraska at around $2,427 per year
Discounts for being claims-free, home renovation and protective device
cons
No new home discount
MoneyGeek satisfaction rating of 3.86 out of 5
COMPANY HIGHLIGHTS
In Nebraska, Nationwide scored a perfect 5 out of 5 for affordability, the highest of all home insurers.
Homeowners with a Nationwide policy can get various discounts, such as being claims-free for a period, bundling home and auto insurance policies or if you have a protective device like a fire or burglar alarm.
Nationwide also has rare discounts for homeowners, including for living in a gated community and roofing material, based on the age of your roof and its surface type.
The Best Homeowners Companies in Nebraska for Expensive Homes
Nebraska homeowners with expensive homes need additional coverage since it costs more to rebuild. MoneyGeek found the best home insurance companies in Nebraska for expensive homes by weighing the cost of a $2 million home insurance policy against customer satisfaction.
For an expensive home in Nebraska, the best-rated home insurance companies are:
- State Farm: MoneyGeek score of 83 out of 100
- Allstate: MoneyGeek score of 83 out of 100
MoneyGeek shared why State Farm has the highest score for homeowners with expensive homes in Nebraska. We also looked at its unique coverages that may appeal to homeowners that need more protection.
The Top Home Insurance Companies in Nebraska for High-Value Homes
pros
MoneyGeek satisfaction rating of 4.1 out of 5
Offers scheduled personal property and cyber event/identity theft coverages
cons
Ranks 4th for expensive home insurance affordability
No contents replacement cost or extended reimbursement coverages
COMPANY HIGHLIGHTS
Although State Farm doesn’t offer the most affordable home insurance policy, the company received an above-average customer satisfaction rating. That means it offers great service for homeowners with high-cost homes.
State Farm offers add-on coverages that are ideal for high-value homeowners, such as scheduled personal property and cyber event/identity theft. Scheduled personal property covers valuable items like silverware, firearms, jewelry and more. Cyber event and identity theft reimburses for identity restoration and fraud loss.
The Best Homeowners Companies in Nebraska for Veterans
Various home insurance providers offer policies to current or former military members. However, MoneyGeek found that USAA offers the best home insurance in Nebraska for members of a military family.
USAA got an average MoneyGeek score of 95 out of 100, and it tailors home insurance policies to veterans, active military and their families.
The Top Home Insurance Companies in Nebraska for Veterans
pros
Coverage caters to military families
MoneyGeek affordability score averages 4.3 out of 5 nationally
MoneyGeek satisfaction score averages 5 out 5 nationally
cons
Unavailable if you don’t have a military background
COMPANY HIGHLIGHTS
Nationally, USAA ranks above-average for affordability and has a perfect score for customer satisfaction. USAA includes contents replacement cost in all policies, which reimburses for personal belongings without depreciation.
With USAA, you can add home rental coverage to protect yourself or guests if you rent a room or your entire home. Discounts are also available with USAA, such as protective device like a security system and bundling with auto.
The Best Homeowners Companies in Nebraska for Bundling
An excellent way to save money if you need home and auto insurance in Nebraska is to bundle your policies. MoneyGeek found the best home and auto insurance bundles in Nebraska that feature the best car insurance in Nebraska with the best home insurance.
The best insurance companies in Nebraska for home and auto insurance bundling are:
- State Farm: MoneyGeek score of 84 out of 100
- Allstate: MoneyGeek score of 78 out of 100
If you purchase home and auto insurance policies as a bundle, you get significant discounts and the added convenience of handling your insurance needs with only one company.
The Top Home Insurance Companies in Nebraska for Bundling
pros
Auto MoneyGeek score of 4.1 out of 5
A 31% discount for bundling
cons
Home MoneyGeek score of 3.93 out of 5
COMPANY HIGHLIGHTS
With a discount of 31%, State Farm is the best choice for bundling auto and home insurance in Nebraska. Even though its home insurance score is just below above-average, its auto insurance score is at that mark, making it a solid choice for both policies.
You can get unique add-on coverages for home and auto insurance policies from State Farm in Nebraska.
Home systems protection covers electrical system devices like heating or cooling in the event of an unforeseen mechanical or electrical breakdown. Another unique add-on coverage is home rental, which includes property and liability coverage when you temporarily rent out your home for more than 30 nights within a 12-month period.
For auto insurance, State Farm offers add-on rideshare insurance that provides medical coverage, roadside assistance and more while working for a rideshare company.
How to Find the Best Home Insurance in Nebraska
It’s advisable for any homeowner to balance cost, service reputation and financial stability when choosing the best home insurance in Nebraska. MoneyGeek collected this data for you, but you can do the research as well.
1
Research Customer Service Reputations in Nebraska
Researching the customer service reputations of various insurance providers can be a lengthy process — that’s why MoneyGeek did the work for you. But, you can check J.D. Power satisfaction scores and NAIC complaint ratios in Nebraska yourself. You may also find useful information with Nebraska’s Department of Insurance.
2
Compare Quotes for Yourself
MoneyGeek gathered average quotes in Nebraska for sample homeowner profiles, but we did not cover every area or profile. It’s wise to gather and compare at least three quotes to get an idea of how much your home insurance might cost.
3
Make Sure the Company Has Coverages You Want in Nebraska
Home insurance companies may advertise a coverage or discount, but that doesn’t mean it’s available in Nebraska. To get the most accurate offerings in Nebraska, check directly with the company to make sure you can get the coverages and discounts you need.
4
Double-Check Financial Stability Ratings
Check the financial strength rating of insurers before you make your final decision. That gives insight into whether a provider can pay claims quickly. Large insurance companies are often financially stronger, while regional insurance companies in Nebraska may be weaker.
FAQs About the Best Home Insurance in Nebraska
The best home insurance in Nebraska for you depends on your individual needs and preferences. MoneyGeek answered commonly asked questions to help you find the best-rated home insurance companies in Nebraska.
Overall, the best home insurance company in Nebraska is Nationwide — it also offers the cheapest home insurance. But, American Family ranks highest for service regardless of cost, and State Farm is the best for expensive homes and bundling home and auto policies.
Nationwide offers the cheapest home insurance in Nebraska. A homeowners policy with Nationwide costs around $2,427 annually. Choosing the cheapest company may mean trading on customer service. If you want to prioritize savings, you can browse the cheapest home insurance companies in Nebraska.
Methodology
MoneyGeek scores for homeowners insurance in Nebraska were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.
MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in Nebraska that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Nebraska. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $250,000, liability coverage of $100,000 and personal property coverage of $100,000.
About Mark Fitzpatrick
