State Farm and Nationwide are the best cheap renters insurance companies in Nebraska. State Farm ranks top for affordable rates and customer service. Nationwide has the highest claims satisfaction ratings.
Cheap Renters Insurance in Nebraska
Updated: May 1, 2025
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Key Takeaways
State Farm is Nebraska's best overall and cheapest renters insurance company, with rates starting at $195 per year.
Renters' insurance in Nebraska costs an average of $22 per month, ranging from $16 to $38.
To find the best and most affordable renters insurance, decide on your coverage needs first. Then, research costs and compare many quotes.
Nebraska Renters Insurance Quote Estimates
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Rates updated:
May 12, 2025
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Best Cheap Renters Insurance Companies in Nebraska
| State Farm | 91 | $16 | $195 |
| Nationwide | 89 | $22 | $266 |
| American Family | 87 | $31 | $366 |
| Farm Bureau | 86 | $27 | $325 |
| Farmers | 80 | $38 | $456 |
*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.
Compare Personalized Best Cheap Renters Insurance in Nebraska
While our list above covers most renters, it may not show your ideal options. We've made a filterable table that matches your profile to help you find the best options in Nebraska.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Contents Replacement:Yes
Select
Credit Tier:Good
| State Farm | 91 | $10 | $120 |
| Farm Bureau | 89 | $11 | $126 |
| Nationwide | 88 | $14 | $168 |
| American Family | 86 | $17 | $198 |
| Farmers | 78 | $22 | $261 |
Best Nebraska Renters Insurance Reviews
Below are details about our top picks for renters insurance in Nebraska, based on affordability, customer service and coverage options.
State Farm: Best Cheap Plans
pros
Lowest rates
Flexible coverage options
High customer satisfaction ratings
cons
Limited add-on coverage options
COMPANY HIGHLIGHTS
State Farm provides Nebraska's lowest renters insurance rates, starting at $16 monthly. It ranks fourth nationally in J.D. Power's customer satisfaction ratings and offers customizable personal property coverage. This affordability and quality service combination makes State Farm a top choice for Nebraska renters.
Nationwide: Best Claims Satisfaction
pros
Good add-on selection
Highest claims satisfaction ratings
cons
More expensive than average for most renters
COMPANY HIGHLIGHTS
Though not the most affordable option, Nationwide has the highest claims satisfaction among Nebraska's renters insurance providers, ranking fifth nationally. It also offers valuable add-on protections like identity protection and water backup coverage.
Average Cost of Renters Insurance in Nebraska
Renters insurance costs an average of $22 monthly in Nebraska, $2 higher than the national average of $20. These rates reflect a policy with $50K in personal property coverage, $100K in liability limits and a $1,000 deductible. Your rate may vary based on your situation.
Below is a table where you can filter key factors affecting renters insurance rates to see average costs for your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Contents Replacement:Covered
| $50K Personal Property / $100K Liability | $22 | $267 |
Nebraska Renters Insurance: Buyer's Guide
Finding the best and cheapest renters insurance in Nebraska can be challenging. This guide helps you identify coverage that fits your needs.
How to Find the Best Cheap Renters Insurance in Nebraska
Follow these steps to secure the best coverage at the lowest price:
- 1
Determine the right coverage level
Know what you need before shopping for insurance. Assess the value of your belongings and consider local weather and crime risks to determine appropriate coverage.
- 2
Research costs and discounts
Learn average costs for your situation to recognize good deals. Look for discounts to maximize savings.
- 3
Compare providers
Examine each company's reputation, costs and coverage options. This helps you focus on the most promising insurers.
- 4
Consider bundling
If you have auto insurance, check bundling options. The discount on your auto policy might fully cover your renters insurance.
- 5
Get multiple quotes through different channels
Collect at least five comparable quotes using comparison websites, provider sites, brokers and direct agent calls.
- 6
Compare rates annually
Insurance premiums change yearly. Compare options regularly to ensure you maintain the best rate.
How Much Renters Insurance Do I Need in Nebraska?
Nebraska law doesn't mandate renters insurance, but most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit score and pet ownership. When choosing a policy, consider the value of your belongings, local weather risks, neighborhood crime rates and pet ownership.
Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
Nebraska Renter Risk Considerations
Here are the usual risks for renters in Nebraska, along with coverage options:
- Weather risks: Nebraska faces a high risk of tornadoes in certain areas. Standard coverage may not protect you in high-risk zones, requiring additional coverage.
- Crime risks: Nebraska ranks 23rd for property crime and 40th for identity theft and fraud nationwide. Consider adding extra coverage to your renters policy for better protection against property damage.
- Pet ownership: Pet owners should consider pet liability coverage. Check if your provider's standard policy includes pet protection or requires an add-on.
- Property types: Standard policies might not fully cover specialized items like tools, electronics or rental property structures like pools. Look for insurers offering specific add-ons to protect these belongings.
How Does Renters Insurance Coverage Work?
Renters insurance typically covers damage to your property, liability to others and loss of use linked to your rental home. Make your policy more comprehensive by adding extra coverages. Here are some common types of renters insurance coverage:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Pays for damaged or stolen personal items in your rental, up to your policy limit. You receive the actual cash value (depreciated value) unless you have replacement cost coverage, which provides funds for new items. | |
Standard | Pays for medical and legal expenses if someone is injured in your rental. Many landlords require tenants to have this coverage. | |
Additional living expenses | Standard | Covers temporary housing costs, including meals, lodging and transportation, when you can't stay in your rental home. Benefits are typically based on a percentage of personal property limits or a set amount, depending on the insurer. |
Natural disasters | Add-on | Separate policies that cover personal property damage caused by earthquakes and floods |
Parts/Equipment | Add-on | Separate policies for tools, appliances and utilities in your rental |
Scheduled property | Add-on | Insures specific valuable items up to a predetermined amount |
Identity theft | Add-on | Protects financially against identity theft, covering stolen funds, legal expenses and monitoring services. |
Pet liability | Add-on | Covers injuries caused by your pet on your rental property, though standard policies may include this |
Modifications | Add-on | Covers custom additions and modifications not part of the original rental property |
Food loss | Add-on | Reimburses any food lost due to covered incidents |
Best Renters Insurance in Nebraska: Bottom Line
State Farm and Nationwide are Nebraska's best and cheapest overall renters insurance companies. While we recommend these options, you should research and compare multiple companies and quotes to get the best deal.
Renters Insurance in Nebraska: FAQ
Here are answers from our experts to common questions:
What is the cheapest renters insurance company in Nebraska?
State Farm offers the cheapest renters insurance in Nebraska, with an average annual premium of $195 or $16 per month.
What is the best renters insurance company in Nebraska?
State Farm is the best renters insurance company in Nebraska, with a MoneyGeek score of 91 out of 100, due to its excellent balance of affordability, customer service and coverage options.
How much does renters insurance cost in Nebraska?
The average cost of renters insurance in Nebraska is $267 per year or $22 per month, 10% higher than the national average. Annual premiums range from $195 to $456.
Is renters insurance required in Nebraska?
Nebraska doesn't legally require renters insurance, but your landlord might ask for it. Consider your needs and situation to decide if a policy is right for you. Reasons to get renters insurance include financial protection from common risks and liability for third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
To find the cheapest renters insurance in Nebraska, we used this base profile:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
We used this to determine our affordability score for the state (60% of the score).
Other parts of our score included:
- Customer satisfaction from industry research (25%)
- Add-on coverages (10%)
- Financial strength ratings (5%)
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.
sources
- American Red Cross. "Which Natural Disasters Should You Prepare For?." Accessed April 30, 2025.
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed April 30, 2025.
- U.S. News. "Low Property Crime Rate." Accessed April 30, 2025.