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Last updated on Sep 11, 2020

The Best Homeowners Insurance Companies in Nebraska

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    The best homeowners insurance Nebraska isn’t hard to find — in fact, we’ve done some of the legwork for you by choosing the Nebraska home insurance companies that offer the most solid, comprehensive policies at reasonable prices.

    Our top choice is American Family, but we suggest that you get quotes from several of our top candidates to see which one offers the best deal for your own unique circumstances. Our choices for the best home insurance in Nebraska feature policies that cost less than the average, with a reputation for good customer service and a wide range of coverage options and discounts.

    The 5 Best Homeowners Insurance Companies in Nebraska 

    1. American Family Insurance
    2. Allstate
    3. State Farm
    4. Nationwide
    5. Farmers Mutual Insurance Company of Nebraska

    Compare Nebraska’s top insurance companies


    Average Price AM Best Financial StrengthJ.D. Power Overall Customer Satisfaction (out of 1,000)
    American Family$1,473A808
    Allstate$1,824A+814
    State Farm$2,616A++831
    Nationwide$1,799A+796
    Farmers Mutual of Nebraska$2,133ANA

    Best Nebraska Homeowners Insurance Companies

    American Family

    American Family offers solid policies with a variety of coverage options as well as some innovative discounts to lower your costs. A wealth of resources is available on the website, from a home inventory worksheet to a policy comparison chart.  

    American Family

    Best Policy Customization

    Why we chose it

    American Family Insurance nosed ahead of the other best home insurance companies in Nebraska for a few reasons. Members can save with American Family easily, customize their plan, and qualify for numerous discounts, such as one for installing a Ring video doorbell.
    • 3.75 Reviews Score
    • A AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 808* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    American Family Insurance nosed ahead of the other best home insurance companies in Nebraska for a few reasons. Members can save with American Family easily, customize their plan, and qualify for numerous discounts, such as one for installing a Ring video doorbell.

    Pros

    • Highly customizable policies
    • Bundle options
    • Very few complaints filed against it
    • Affordable premiums

    Cons

    • Average customer satisfaction ratings

    Discounts available

    • Smart devices like Nest, Frontpoint, and more
    • Loyalty discount
    • Renovated home discount

    Unique features

    American Family has a long list of discounts that customers can take advantage of, from paperless billing to a generational discount if your parents also have policies with the company.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on American Family:

    Allstate

    Allstate’s discounts make it a good choice for the first-time homeowner, or anyone looking to save money on their policy. 

    Allstate

    Best Pricing Options

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.
    • 4 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 814* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.

    Pros

    • Diverse discount opportunities
    • Informative website and digital tools
    • Above-average customer service

    Cons

    • Average customer satisfaction ratings
    • High on the NAIC complaint index

    Discounts available

    • Early signing discount
    • Home buyer discount
    • Hail-resistant roof discount

    Unique features

    Allstate’s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on Allstate:

    State Farm

    State Farm offers excellent customer service and financial security along with competitive pricing and solid coverage choices.

    State Farm

    Best Customer Service

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
    • 3.75 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 831* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • NR BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

    Pros

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    Cons

    • Limited discounts
    • Higher premiums

    Discounts available

    • Multiple policy discount
    • Fire, smoke, or burglar alarm discount
    • Impact-resistant roof discount

    Unique features

    State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s app.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on State Farm:

    Nationwide

    Not the cheapest option, but the extensive coverages available with Nationwide can make it worth the value.

    Nationwide

    Best Claims Process

    Why we chose it

    Nationwide makes our list because it’s easy to file a claim and to lower your annual premium. It’s also currently the second-cheapest homeowners insurance provider in Nebraska. Compared to other companies on this list, however, it has received a lower-than-average customer satisfaction rating.
    • 3.75 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 796* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Nationwide makes our list because it’s easy to file a claim and to lower your annual premium. It’s also currently the second-cheapest homeowners insurance provider in Nebraska. Compared to other companies on this list, however, it has received a lower-than-average customer satisfaction rating.

    Pros

    • Easy claims process
    • Variety of discounts
    • Affordable premiums

    Cons

    • Subpar customer satisfaction
    • No loyalty or senior discounts

    Discounts available

    • Bundled policies
    • Fire alarms and anti-theft systems
    • Electrical or plumbing system renovations

    Unique features

    Nationwide is a great option if you want extensive coverage: There are extra options for identity theft, valuables, water backup, earthquakes and more.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on Nationwide:

    Farmers Mutual of Nebraska

    This regional company specializes in insurance products tailor-made for the people of Nebraska. It is the leading insurer of farms in Nebraska and South Dakota, but also offers solid coverage for home, auto, and more.

    Farmers Mutual of Nebraska

    Best for Farmers and Ranchers

    Why we chose it

    Farmers Mutual Insurance Company of Nebraska offers policies designed for the many farm and ranch properties in Nebraska. The Better Business Bureau gives this provider an “A+” rating as well, indicating high levels of customer satisfaction. Two drawbacks with Farmers Mutual of Nebraska is that it doesn’t have as many online resources and tools as other companies and it hasn’t been reviewed by J.D. Power yet.
    • 3.3 Reviews Score
    • A AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • NA J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Farmers Mutual Insurance Company of Nebraska offers policies designed for the many farm and ranch properties in Nebraska. The Better Business Bureau gives this provider an “A+” rating as well, indicating high levels of customer satisfaction. Two drawbacks with Farmers Mutual of Nebraska is that it doesn’t have as many online resources and tools as other companies and it hasn’t been reviewed by J.D. Power yet.

    Pros

    • Caters to farm and ranch needs
    • Range of coverage options

    Cons

    • Lack of online resources
    • Not reviewed by JD Power

    Discounts available

    • Impact resistant roof discount
    • New home discount
    • Multi-policy discount

    Unique features

    With its emphasis on farm and ranch coverage, Farmers Mutual is a good choice for anyone in the agriculture business. Even if you’re not, competitive pricing and good coverage options make it worth a look.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Average Cost of Homeowners Insurance in Nebraska

    The average cost of homeowners insurance in Nebraska is $1,481, which is somewhat higher than the national average of $1,211. That’s partly because of Nebraska’s location in Tornado Alley, and the prevalence of earthquakes, wind, hail, and flooding damage. To handle that, you may want to ask your insurance agent if there are any add-ons, or endorsements, that can strengthen your homeowner’s insurance policy.

    Home Insurance Add-Ons That Will Further Protect You

    Flooding is a serious issue in Nebraska. So much so that the Nebraska Department of Insurance has a slew of resources devoted to it on its website. You can check this FEMA flood map to see if your home is considered to be at future risk, but even if it isn’t we strongly recommend that you purchase flood insurance through the NFIP

    You may want to also consider water backup coverage in addition to flood insurance as the two issues often coincide. Plus, if your home is considered uninhabitable because of a sewer and water line backup, this type of coverage would pay for your housing while standard flood insurance would not. 

    Most standard homeowners insurance policies cover damage done by wind and hail. However, some policies differentiate between standard wind damage and tornado damage. It’s important to confirm whether your policy considers the two coverages separate.

    Nebraska has a history with earthquake activity becaause of the fault lines running throughout the state, so you may want to consider adding earthquake coverage as an extra precaution.

    The Cheapest Homeowner Insurance Companies in Nebraska

    Largest Companies by Market Share in NebraskaAverage Annual Premium
    American Family$1,473
    Allstate$1,824
    State Farm$2,616
    Nationwide$1,799
    Farmers Mutual of Nebraska$2,133

    Cost of Homeowners Insurance by Age of Home

    Age of Home (years)Sample Annual Premium
    5$2,622
    20$3,541
    35$3,430
    50$3,420
    Average Age of Home$3,253

    Top 3 Cheapest Homeowners Insurance Companies in Nebraska 

    • American Family — $1,473
    • Nationwide — $1,799
    • Allstate — $1,824

    Top 3 Most Expensive Homeowners Insurance Companies in Nebraska

    • Metropolitan Insurance — $3,836
    • Farmers Insurance — $3,707
    • State Farm — $2,616

    Helpful Resources for Nebraska Homeowners

    One important site for every Nebraskan to get well acquainted with is the Nebraska Department of Insurance, which it provides valuable information for homeowners. Here, you can find out more about Nebraska insurance companies, file a complaint, and access a wealth of free educational materials

    Another interesting resource is the Insurance Information Institute’s page on Nebraska information data. This has lists of the top insurance companies in Nebraska and number of premiums they write in the state, as well as tables to compare them to other states.

    Homeowners Insurance FAQ 

    Is homeowners insurance required in Nebraska?

    The state government of Nebraska does not mandate that each homeowner purchase homeowners insurance. That said, if you have a mortgage, your lender most likely requires you to have a policy in place. 

    What is the cheapest homeowners insurance in Nebraska?

    The cheapest provider in Nebraska is currently American Family Insurance. At the moment, the average annual premium is $1,473.

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction 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 will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
    • 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 NAIC National Complaint Index.

    About the Authors

    Mary Van Keuren

    Mary Van Keuren Contributor

    Mary Van Keuren has been covering auto and home insurance for Reviews.com for nearly five years, and has published numerous reviews of state-specific insurance trends and how to find the best insurance deals for your money. She earned B.S. and M.A. degrees from Nazareth College in Rochester, N.Y. and has been writing professionally, both in print and online, for 30+ years.

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