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Nebraska Homeowners Insurance Quotes

Hospitality is the name of the game in Nebraska. Our residents are fun loving, friendly and always willing to help out a neighbor, which makes the Cornhusker State a great place to live.

While Nebraska is certainly known for agriculture there is more to our great state than just farming. Nebraska is loaded with culture, museums, zoos, world-class shopping, big cities as well as quaint small towns.

When its time to get outside, Nebraska has you covered. Whether you are visiting Chadron State Park, Indian Cave State Park, camping, biking, boating or just enjoying the natural beauty of Nebraska, there is plenty to do in the great outdoors, regardless of the season.

If you are making the move to Nebraska, you will not be disappointed. Check out some of our great towns and cities like Omaha, Scottsbluff, Hastings, North Platte, Falls City or our capitol Lincoln and you are sure to find one that you will be happy to call home.

Nebraska Facts

According to census data Nebraska currently has a population of 1,826,341 which breaks down to roughly 1,283 households per zip code with the average house having three people living in it.

Data shows that the average household income in Nebraska is $32,853, which is slightly below the national average. Fortunately housing is extremely cheap in Nebraska with the average house value coming in at $55,999.

Homeowners Insurance in Nebraska

Homeowners insurance in the Cornhusker state is slightly above average. The median cost of an H-03 policy, which is the industry standard for homeowners insurance, is priced at $1,151 while the national average is $1,034.

There are many ways to drive down the costs of homeowners insurance. Everything from upgrading your home to getting more discounts can help lower your premium. Here are a few tips on how to keep the cost of your homeowners insurance affordable:

  • Shop Around: This is probably the best way to save on homeowners insurance. Industry experts recommend that you shop all of your insurance including homeowners on a yearly basis. Insurance companies rate risk differently so price differences can be dramatic between insurance companies. Make sure you compare apples to apples when it comes to deductibles and coverage levels.
  • Discounts: Insurance companies offer a variety of discounts and they can dramatically lower your premium. Make sure you are getting all the discounts you are entitled to receive. Ask your agent to do a discount review to make sure all available discounts are being applied to your policy.
  • Raise Your Deductible: If you can afford it, raising your deductible is a great way to save money. Doubling your deductible from $500 to $1,000 or even higher can dramatically lower your rates. It is important that you choose a deductible that you can easily afford in the event you have to make a claim.

Insurance Rates by Homeowners Insurance Type

Homeowners insurance is available in a number of different policy types. Each of these policies are designed specifically to protect a certain type of home. Below is a quick overview of the most common homeowner insurance types as well as average premium data that was collected by the NAIC:

Dwelling Fire: This is a very specific type of policy, which offers very limited coverage. A dwelling fire policy will only cover damage from smoke and fire although some policies may also cover damage due to explosions, wind and vandalism. These policies tend to be very affordable.

Data from the NAIC shows that only 0.7% of Nebraskan policies are DFs. The average premium for this type of policy is $651

HO-2: The H-02 policy is a very basic homeowner policy but offers more coverage than a Dwelling Fire. These policies only cover perils that are specifically listed in the policy wording.

An HO-2 policy in Nebraska is fairly pricey with an average price of $930. Only 3.7 percent of Nebraska policies are HO-2s.

HO-3: The H-O3 policy is the most common policy type in Nebraska and is considered an industry standard when it comes to single-family homes. These policies will cover damage from all perils except those that are specifically excluded in the policy wording. It’s important to remember that all homeowner policies exclude damage caused by floods or earthquakes.

In Nebraska, 61.4 percent of all homeowner insurance policies are HO-3s. The average price is $1,151.

HO-4: This policy type is designed for apartments and is often referred to as renters insurance. These policies protect your personal possessions as well as offering limited liability coverage in case someone is injured in your apartment.

In Nebraska, 19.8 percent of policies are renters insurance.

HO-5: These policies are designed for more upscale, newer homes. They not only protect your house but other structures on your property as well. Most of these policy types offer loss of use protection and your personal possessions are covered against all perils except those specifically excluded in the policy wording. In most cases these policies are not available on older homes.

Roughly 12.6 of policies in Nebraska are HO-5s and the average premium cost is $1,155.

HO-6: The HO-6 is designed for co-op and condo owners. These policies protect your personal property as well as any structural parts of the building that you actually own such as the interior walls of your unit. Coverage is limited to 16 specific perils.

In Nebraska, only 1.4 percent of policies are HO-6s.

Factors to Consider in Nebraska

Severe weather is always a factor Nebraska as it falls into the section of the country referred to as Tornado Alley. Tornadoes and severe thunderstorms can do massive damage to your home and property. Damaged roofs, fallen trees and hail damage are all possible when severe weather strikes.

In edition to severe summer weather, winters can be harsh in certain parts of Nebraska. Freezing temperatures and heavy snowfall can lead to frozen pipes, ice dams and even a collapsed roof due to snow.

You can help minimize the damage from these types of storms while also lowering your premium by making a few changes to your home. Upgrading your roof using wind resistant materials and adding storm shutters can help reduce the damage done by severe weather and your insurance company will usually discount your premium as well.

If you are moving to Omaha, Lincoln, Grand Island, Valentine, York of any of our other lovely towns or cities you will need a great new policy to protect your new home. We can easily help you shop and compare up to 12 different Nebraska home insurance premiums and apply all the available discounts and credits.

Get started today, contact us to get quotes on your homeowners insurance in Nebraska.

Average Homeowners Insurance Premiums in Nebraska

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Nebraska homeowners are paying on average. Did you know that the average homeowners insurance premium in Nebraska is $1586? Nebraska is now ranked 9 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Nebraska is 20.98% more than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1586 (1.4%)$ 1329
2019$1564 (-0.3%)$ 1309
2018$1569 (5.77%)$ 1319
2017$1481 (5.48%)$ 12310
2016$1402 (3.04%)$ 11711

When we combine the state averages over the last decade, the Nebraska overall average is estimated to be around $1,265.87. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Nebraska current state rank compare to the rest of the country is #9. Consider shopping your Nebraska home insurance with us so we can help you save up to 40% or more on your policy.

Nebraska Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Nebraska Housing & Real Estate Data

Details:Staticstics
Total Housing Units796793
Occupied Housing Units721130
Vacant Housing Units75663
Vacant Housing Units for Rent24404
Vacant Housing Units Rented Not Occupied1279
Vacant Housing Units For Sale9167
Vacant Housing Units Sold Not Occupied2804
Vacant Housing Units For Seasonal Occasional Use13881
Vacant Housing Units All Other Vacants24128
Housing Units Homeowner Vacancy Rate Percent1.8
Housing Units Rental Vacancy Rate Percent9.3
Housing Tenure Occupied Units721130
Housing Tenure Occupied Units Owner Occupied484730
Housing Tenure Occupied Units Owner Occupied Population1252918
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.58
Housing Tenure Occupied Units Renter Occupied236400
Housing Tenure Occupied Units Renter Occupied Population522258
Housing Tenure Occupied Units Renter Occupied Average Household Size2.21

Understanding Nebraska Homeowners Insurance

When shopping for Nebraska homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Nebraska renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Nebraska, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Nebraska rates and coverage options.