American Family is the cheapest home insurance option for most homeowners in Nebraska, with an average monthly savings of $195. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in Nebraska
Updated: May 27, 2025
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Key Takeaways
American Family and Nationwide offer the lowest-cost home insurance in Nebraska overall, with potential savings of up to 65%.
Nationwide offers the cheapest homeowners insurance if you own a new home or have bad credit.
American Family offers the most affordable home coverage for those in high-risk fire areas in Nebraska.
What is the Cheapest Home Insurance in Nebraska?
| American Family | $304 | $3,644 | 34% |
| State Farm | $336 | $4,036 | 27% |
| Farmers | $342 | $4,109 | 26% |
| Allstate | $397 | $4,764 | 14% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
While these companies may offer the lowest rates in Nebraska, evaluating their customer service reputation and coverage options is important. To help, we’ve created a separate guide to the best home insurance companies in Nebraska, providing a more comprehensive overview.
Cheapest Nebraska Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while American Family is typically the cheapest overall, Nationwide offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| American Family | Older Homes | $304 |
| Nationwide | Newer Homes | $85 |
| American Family | Homes in High Risk Fire Areas | $304 |
| American Family | Bad Credit | $468 |
*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap Nebraska Home Insurance
The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age:Older Homes
| American Family | $304 | $3,644 |
| State Farm | $336 | $4,036 |
| Farmers | $362 | $4,341 |
| Nationwide | $426 | $5,112 |
| Allstate | $439 | $5,273 |
Cheapest Nebraska Home Insurance By City
Risk factors for insurers vary by location, making some providers more affordable than others. For example, while Farmers is the cheapest in most cities, State Farm and Nationwide offer lower rates in some areas. Knowing which provider offers the best rates can help you save on auto insurance.
| Lincoln | Farmers | $292 |
| Omaha | Farmers | $293 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest Nebraska Home Insurance for You
Finding affordable home insurance in Nebraska can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
It's easy to get oversold on coverage when you don't have limits in mind before buying. Determine your home insurance coverage needs beforehand to avoid purchasing too much. Understanding the different types of home protection available helps ensure you don't miss something important.
- 2
Research home insurance cost information
Decrease your premiums with bundled property and car insurance in Nebraska.
- 3
Bundle your policies
Bundling home insurance with another policy can save you a lot of money if you stay with the same provider. In your region, you can save significantly on home insurance when bundling with auto policies. Explore more about saving on home insurance when bundling with auto policies.
- 4
Compare multiple companies apples to apples
To ensure you’re getting a good deal, compare quotes for the same coverage. Once aligned, gather as many quotes as possible using different methods to find the best rate.
Cheap Home Insurance Nebraska: Bottom Line
American Family, State Farm, and Farmers offer Nebraska's most budget-friendly home insurance. Denied coverage? State programs are there for low-cost policies. Always compare different companies, check out costs, and understand your coverage needs before you choose.
Cheapest Home Insurance Nebraska: FAQ
Below are answers to common questions about the cheapest home insurance in Nebraska:
What is the cheapest home insurance company in Nebraska?
Nationwide offers the lowest rates for newer homes in Nebraska at $85 per month or $1,020 per year. However, homeowners with older properties or higher fire protection needs may find better rates with American Family.
How expensive is home insurance in Nebraska?
Nebraska has the 15th-highest home insurance rates in the U.S.
How much is home insurance in Nebraska?
You should have enough home insurance to cover the full replacement cost of your home and the value of all possessions, plus liability protection.
While not a legal requirement unless you have a mortgage, when you do, lenders typically expect you to insure your home at least for the cost to rebuild it completely. Additionally, consider insuring your personal property, factoring in local risks, and covering unique or high-value items.
How much home insurance do I need?
You should have enough home insurance to cover the full replacement cost of your home and the value of all possessions, plus liability protection.
While not a legal requirement unless you have a mortgage, when you do, lenders typically expect you to insure your home at least for the cost to rebuild it completely. Additionally, consider insuring your personal property, factoring in local risks, and covering unique or high-value items.
How We Found the Cheapest Home Insurance Companies in Nebraska
To determine the cheapest home insurance companies in Nebraska, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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.