Nebraska remains one of the most expensive states for homeowners insurance. Based on recent consumer-rate analyses, the average annual premium for a standard HO-3 with around $300,000 in dwelling coverage is typically in the mid-$4,000s per year — roughly 70%–100% higher than the U.S. average in the mid-$2,000s (methodologies vary across Bankrate and Policygenius studies). The latest NAIC Homeowners Insurance Report also shows Nebraska’s average statewide expenditure well above the national average, though NAIC figures lag current market conditions by 1–2 years. Elevated severe convective storm activity (wind and hail) across the Plains — alongside higher reinsurance costs and replacement-cost inflation — has pressured pricing in recent years (Triple‑I analysis). If you’re looking for the best home insurance company in Nebraska, Reviews.com’s research might be helpful. We’ve analyzed the largest insurance companies in the state by market share to help you make an informed decision.

The 4 Best Homeowners Insurance Companies in Nebraska 

To decide which companies are among the best in the state, we reviewed premium benchmarks, coverages, discounts, digital tools, financial strength, and customer satisfaction. Where legacy price references appear in tables below, they reflect Bankrate’s 2021 Nebraska dataset; today’s averages are substantially higher (see Bankrate and Policygenius). We also considered current third‑party indicators such as AM Best financial strength and the latest J.D. Power U.S. Home Insurance Study. We found that the following four companies are some of the best in Nebraska:

• American Family Insurance: Best for Policy Customization
• Allstate: Best for Discounts
• State Farm: Best for Customer Service
• Nationwide: Best for Low Premiums

Compare the Best Home Insurance Companies in Nebraska

Keep in mind that we chose these companies based on our unique research method and a combination of legacy pricing snapshots and current satisfaction and financial-strength indicators. The best company for you could be on this list, or it could be another company entirely. Understanding your situation and shopping at least three quotes is a good strategy for finding an insurer that meets your needs.

Information updated as of November 2025

*Premium figures shown in the table reflect a legacy 2021 Bankrate dataset for $250,000 in dwelling coverage and are for comparison only; current Nebraska averages are much higher (see Bankrate and Policygenius).

**J.D. Power’s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale.

*Premium figures shown in the table reflect a legacy 2021 Bankrate dataset for $250,000 in dwelling coverage and are for comparison only.

**J.D. Power’s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale. 

The Average Cost of Home Insurance in Nebraska

Based on recent consumer-rate analyses, the average cost of homeowners insurance in Nebraska for a policy with around $300,000 in dwelling coverage is typically in the mid-$4,000s per year — well above the U.S. average in the mid-$2,000s on similar assumptions (Bankrate; Policygenius). The latest NAIC Homeowners Insurance Report also shows Nebraska’s average homeowners expenditure running materially above the national average, though NAIC figures reflect all coverage levels and trail current market conditions by 1–2 years (home insurance quotes). Elevated wind and hail losses across the Plains are a major cost driver in recent years (NOAA billion‑dollar disasters; Triple‑I).

Top 3 Cheapest Homeowners Insurance Companies in Nebraska 

*Based on Bankrate’s 2021 Nebraska dataset for $250,000 in dwelling coverage; current market averages are significantly higher (see Bankrate and Policygenius for updated assumptions).

Top 3 Most Expensive Homeowners Insurance Companies in Nebraska

*Based on Bankrate’s 2021 Nebraska dataset for $250,000 in dwelling coverage; current market averages are significantly higher (see Bankrate and Policygenius for updated assumptions).

Key Things to Know About Home Insurance in Nebraska

Nebraska homeowners should prepare for severe convective storms — tornadoes, large hail, and straight‑line winds. NOAA reports the U.S. set another record in 2024 for the number of billion‑dollar weather and climate disasters, with severe storms making up the majority (NOAA). The state sits squarely in one of the nation’s highest‑frequency corridors for tornadoes and large hail according to SPC climatology (NOAA/SPC). These hazards can cause extensive roof and exterior damage, so hardening your home and maintaining an emergency plan are essential (Triple‑I tornado and thunderstorm facts).

Home Insurance Coverage Options

Most standard homeowners insurance policies cover wind and hail, but in high‑hail regions insurers often apply separate wind/hail deductibles (frequently a percentage of Coverage A) and may settle older roofs at actual cash value. Review how your policy treats tornado/wind vs. “all‑perils” deductibles and roof valuation before a storm (Insurance Information Institute on wind/hurricane deductibles).

Flooding is also a serious issue in Nebraska, with many counties at above-average risk for flood damage. You can check this FEMA flood map to see if your home is considered to be at future risk. Because flood damage is excluded from home insurance policies, you may want to consider buying a flood insurance policy for peace of mind. The NFIP typically offers up to $250,000 for building and $100,000 for contents with a standard 30‑day waiting period, while private flood insurers may offer higher limits and broader features; community CRS participation can provide premium discounts of up to 45% (NFIP overview; CRS; FIO).

Finally, Nebraska has a history of earthquake activity because of the fault lines running throughout the state, so you may want to consider adding earthquake coverage as an extra precaution. This can usually be added by endorsement, but if you are in a particularly high-risk area, you may need a separate policy. The USGS updated its National Seismic Hazard Model in 2024, underscoring widespread potential for damaging shaking across the U.S. (USGS).

Frequently Asked Questions

Methodology

We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, and coverage options to determine which might be the best providers. 

To compare home insurance companies across the board, we considered the following factors:

• Customer Ratings — Customer ratings are an indication of satisfaction with the overall experience with a company. We measured this using 2024 J.D. Power Home Insurance Study ratings.
• Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
• Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
• Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Companies National Complaint Index.

Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.

The coverage limits for home insurance rates reflect the following coverage and limits:

• Coverage A, Dwelling: $250,000
• Coverage B, Other Structures: $25,000
• Coverage C, Personal Property: $125,000
• Coverage D, Loss of Use: $50,000
• Coverage E, Liability: $300,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

Keep Reading

Guide to Homeowners Insurance Coverage

Homeowners Insurance Buyer’s Guide

The Best Companies for Bundling Home and Auto Insurance in 2025