The Best Home Insurance in Nebraska for 2025

Chubb, USAA and Amica are among the best home insurance companies in Nebraska, according to our analysis.

To help you find the best home insurance in Nebraska, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Here's more information about the best homeowners insurance companies in Nebraska.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb’s home insurance policies include coverage other insurers often charge more for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders may be eligible for the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It draws far fewer complaints than expected, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company also stands out for its coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that value sustainability, you may want to consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home. You may also be able to add coverage for things like identity theft and water damage from backed-up drains.

Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Allstate offers lots of ways to customize your policy, like replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You might have the option to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

American Family is notable for offering broader coverage for your home’s structure than many insurers do. If you insure your home up to its replacement cost, American Family will automatically add extended replacement coverage to your policy.

American Family has a long list of extras you can add to your policy. For instance, you can buy coverage in case a major appliance breaks down or an underground utility line needs repairs. Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

» READ MORE: American Family homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. The company offers some perks that are specific to the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance also has some features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Nebraska is $4,505. That’s 114% more than the national average of $2,110.

In most U.S. states, including Nebraska, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Nebraska, those with poor credit pay an average of $7,315 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 62% more than what those with good credit pay.

» MORE: Does your credit score affect home insurance rates?

How much you pay for homeowners insurance in Nebraska depends on where you live. For instance, the average cost of home insurance in Omaha is $4,640 per year, while homeowners in Lincoln pay $4,260 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates equal to or below the Nebraska average of $4,505.

» MORE: The cheapest homeowners insurance

Here are some of the most common risks you might face as a Nebraska homeowner.

Tornadoes

Homeowners insurance usually covers damage from high winds and tornadoes, but your policy may have a separate wind deductible. (A deductible is the part of a claim that you’re responsible for paying.)

Wind deductibles are typically between 1% to 5% of your dwelling coverage limit. Suppose your policy has a $1,000 deductible for most claims and a 1% deductible for wind claims. If your house has $250,000 worth of dwelling coverage, you’d have to pay the first $2,500 of a wind damage claim yourself. Learn more about homeowners insurance and tornadoes.

Thunderstorms and hail

Hail, which often accompanies thunderstorms, can damage roofs, windows, siding and other parts of homes’ exteriors. This is typically covered by home insurance, but you may have some limitations. In addition, your policy may have a separate deductible for hail damage.

Winter storms and freezing temperatures

Most damage from winter storms, such as roof collapse from the weight of snow, is covered under a standard homeowners policy. However, some types of winter weather damage may require extra coverage. For instance, you’ll typically need flood insurance to cover flood damage caused by snowmelt.

Flooding

Homeowners insurance policies usually don't cover flood damage. If you’re in an at-risk area, you may want to consider flood insurance. Be aware that while you can buy flood coverage at any time, there’s typically a 30-day waiting period before the insurance takes effect.

» MORE: Do I need flood insurance?

The Nebraska Department of Insurance oversees the state’s insurance industry. Its website offers educational resources, as well as the ability to file a complaint against your insurer. Contact the Insurance Complaint Division with questions at 877-564-7323 or doi.insurancecomplaints@nebraska.gov.

» MORE: Home insurance calculator: Estimate your rate

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.