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: November 13, 2025
Advertising & Editorial Disclosure
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.
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.
Use our renters insurance calculator to ensure your Nebraska policy balances the state's affordable premiums with coverage limits that actually protect your belongings during storm season.
Nebraska Renters Insurance Quote Estimates
MoneyGeek's renters insurance calculator will give you a customized estimate of your renters insurance costs.
It's free to use, requires no personal information and we won't send you any spam.
0
High
0
Average
0
Low
Rates updated:
Nov 27, 2025
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Compare Personalized Best Cheap Renters Insurance in Nebraska
Our list above covers most renters, but may not show your ideal options. The filterable table matches your profile to help you find the best options in Nebraska.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Yes
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
Here 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 charges Nebraska's lowest renters insurance rates at $16 monthly. It ranks fourth nationally in J.D. Power's customer satisfaction and lets you customize personal property coverage. Affordable rates and strong service make State Farm a top Nebraska choice.
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.
The table lets you filter key factors affecting renters insurance rates to see average costs for your profile.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Good
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 find coverage that fits your needs.
How to Find the Best Cheap Renters Insurance in Nebraska
Follow these steps to get the best coverage at the lowest price:
- 1Determine 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.
- 2Research costs and discounts
Learn average costs for your situation to recognize good deals. Look for discounts to maximize savings.
- 3Compare providers
Examine each company's reputation, costs and coverage options. This helps you focus on the most promising insurers.
- 4Consider bundling
If you have auto insurance, check bundling options. The discount on your auto policy might fully cover your renters insurance.
- 5Get multiple quotes through different channels
Collect at least five comparable quotes using comparison websites, provider sites, brokers and direct agent calls.
- 6Compare 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
Common Nebraska renter risks and coverage options are:
- Weather risks: Tornadoes threaten parts of Nebraska. Standard policies exclude tornado damage in high-risk zones. You'll need separate wind and hail coverage.
- Crime risks: Nebraska ranks 23rd for property crime and 40th for identity theft and fraud nationwide. Add extra coverage to strengthen protection against theft and property damage.
- Pet ownership: Pet liability coverage protects you when your pet injures someone. Check if standard policies include this or require an add-on.
- Property types: Tools, electronics or pools on rental property exceed standard policy limits. Find insurers with specific add-ons for these items.
How Does Renters Insurance Coverage Work?
Renters insurance covers property damage, liability to others and temporary housing costs when you can't stay in your rental. Extra coverages expand your protection. Common coverage types include:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Reimburses damaged or stolen belongings up to your limit. Actual cash value pays depreciated worth. Replacement cost buys new equivalent items. | |
Standard | Pays medical bills and legal fees when guests get injured in your rental. Landlords often require minimum liability limits. | |
Additional living expenses | Standard | Reimburses hotel stays, restaurant meals and extra transportation when disaster makes your rental unlivable. Each insurer sets different limits. |
Natural disasters | Add-on | Protects against earthquake or flood damage through separate policies. Only select insurers offer these add-ons. |
Parts/Equipment | Add-on | Reimburses tools, appliances and utility equipment you own in your rental. |
Scheduled property | Add-on | Protects high-value items at agreed amounts above standard limits. |
Identity theft | Add-on | Protects financially against identity theft, covering stolen funds, legal expenses and monitoring services. |
Pet liability | Add-on | Pays medical bills and legal costs when your pet injures someone. Some standard policies already include this. |
Modifications | Add-on | Reimburses permanent improvements you installed in your rental. |
Food loss | Add-on | Replaces spoiled food after covered events like power outages. |
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
Our experts answer common questions about renters insurance in Nebraska:
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, because of 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. Get renters insurance for financial protection from common risks and liability for third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
Nebraska renters balance affordable premiums with protection from tornado risks and property crime. We designed our research to find policies offering the best combination of low rates and protection against Nebraska's weather hazards.
Our research approach: We collected quotes from major insurers for identical coverage levels, then scored each company on affordability, customer service, coverage options and financial stability.
Why this profile matters for Nebraska renters: We used a renter with $50,000 personal property coverage (enough to protect a typical apartment's belongings), $100,000 liability coverage (what most Nebraska landlords require), a $1,000 deductible (balancing affordable premiums with manageable out-of-pocket costs), property replacement coverage (so you get new items, not depreciated value) and a good credit score (representing most approved renters).
This profile determined our affordability score (60% of the total score) because premiums are the biggest factor for budget-conscious Nebraska renters. We weighted customer satisfaction from industry research at 25% since you need responsive service when filing weather or property damage claims. Add-on coverages counted for 10% because Nebraska's tornado risks may require extra protection. Financial strength ratings made up 5% to ensure your insurer can pay claims after major disasters.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
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.