Popular QuestionsPopular Questions about Nebraska Home Insurance

How much does Nebraska home insurance cost? $1,369

The average American homeowner pays $1,173 per year for home insurance, but in Nebraska, the average annual premium is $1,369. Even though insurance is more expensive for homes in Nebraska, having insurance is vitally important because the cold winter weather causes serious damage to homes each year.

nebraska home insurance cost chart
What does my Nebraska home insurance do for me?

Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Nebraska homeowners insurance policy.

Pays for repairs to your home and your belongings

  • Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

Pays for someone else's injuries or property damage when it's your fault

  • Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

Pays for temporary living expenses when your home is damaged

  • Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
Will I actually use my Nebraska homeowners insurance?

We can’t be 100% certain, but last year insurance companies spent more than $698 million on home insurance claims in Nebraska. That's a lot of unfortunate events happening to Nebraska homeowners.

How is my Nebraska homeowners insurance calculated?

Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Nebraska is compared to the rest of the US.

Crime:

Even though the crime rate in Nebraska is lower than the national average, homeowners still have to be aware of the risk.

  • Average number of burglaries per 1,000 homes in NE: 3.38
  • Average number of burglaries per 1,000 homes in the U.S.: 4.69

Weather:

Nebraska is located within the infamous Tornado Alley, and this poses a risk to area homeowners. In addition to tornados, residents of this state may also experience damage to their homes caused by severe storms and wildfires.

  • Number of federally declared disasters since 1953: 60
  • Most common cause of disasters in the state: Severe Storms
  • Average number of tornados in the state per year: 54.6
  • Amount paid in home insurance claims in 2016: $698,557,000

Home Values:

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Nebraska, the average home value is lower than the national average. This can help to keep insurance costs affordable despite the many risks in this state. 

  • Average home value in NE: $148,100
  • Average home value in the US: $188,900
Are there any independent agents in Nebraska?

Yes! There are currently 294 Trusted Choice agents in Nebraska who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.

What’s the best insurance company in Nebraska?

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget. Here are some companies our agents will use in Nebraska: 

Travelers
stillwater insurance group
safeco Insurance
Nationwide

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost – $1,173 / year
  • National average burglary rate per 1,000 homes – 4.69
  • National average home value - $188,900


CityAvg. Monthly Cost of Home InsuranceAvg. Yearly Cost of Home InsuranceAvg. Home ValueNumber of Burglaries per 1,000 Homes
Omaha$123$1,472$149,9006.84
Lincoln$127$1,520$160,6004.81
Bellevue$111$1,336$148,1442.03
Grand Island$110$1,320$130,6267.90
Kearney$131$1,573$171,9382.71
Fremont$97$1,163$125,6643.42
Hastings$93$1,119$111,9656.74
North Platte$93$1,112$113,4755.89
Columbus$104$1,245$136,6662.64
Norfolk$99$1,193$132,8911.95
McCook$74$884$90,5005.29
Nebraska City$115$1,374$112,61220.71
Papillion$132$1,589$178,9720.77
La Vista$113$1,351$151,5691.39
Scottsbluff$89$1,073$105,9247.13
Gretna$133$1,595$182,1830.22
Beatrice$86$1,032$104,9545.87
Lexington$70$845$90,1763.83
Gering$100$1,184$128,0373.90
Alliance$80$951$102,9043.75
Blair$116$1,425$154,1402.00
York$101$1,160$125,4485.37
Seward$113$1,362$155,2190.45
Crete$88$1,061$113,6913.77

Omaha, NE Home Insurance

The average monthly cost of homeowners insurance in Omaha is $123. There are several variables that impact home insurance rates in Omaha. Details like your home's size, age, and value, along with the local crime rate and even your credit score, will all be used by insurance companies to determine your personal premium. You can therefore expect your rate to be considerably higher or lower than this average.

Omaha home insurance covers several risks you face as a homeowner. These include such things as weather-related damage, accidental fires, liability lawsuits, and property crimes. If someone breaks into your house while you're out of town and steals your TV and computer, you can file a claim with your homeowners insurance to get the money you need to replace the stolen items.

Unlike agents who work directly for carriers, independent agents have the freedom to shop quotes from multiple companies. This means you'll get better rates and have more options as you shop for reliable coverage for your home in Omaha.

Bellevue, NE Home Insurance

The average monthly rate of homeowners insurance in Bellevue is $111. Your specific home insurance premiums could be higher or lower than this average, depending on many factors including your home's ZIP code, age, size and value. Comparing rates from multiple carriers helps you be sure that you are not overpaying for your coverage.

Your Bellevue home insurance covers a variety of risks you may face as a homeowner in this city. For instance, if the wind blows a tree over and it smashes your roof, you can file a claim with your home insurance provider and receive money to make repairs. If you have valuables that were destroyed during the event, your insurance can pay to replace those, too.

Independent insurance agents take the guesswork out of buying home insurance in Bellevue. Your agent will take time to assess the risks your home faces so that you can find a policy that gives maximum protection at an affordable price.

Lincoln, NE Home Insurance

The average monthly cost of homeowners insurance in Lincoln is $127. Your actual quoted rates could be significantly less or more than this amount. That is because your costs are calculated by insurers according to many factors such as the size and age of your house, your credit score, and the amount of coverage you are purchasing. Compare rates to find the policy that offers the coverage you need at the best price.

Your Lincoln homeowners insurance policy is designed to cover you against financial losses related to many of the risks you face as a homeowner. These include liability lawsuits, severe weather, fires, and property crimes. For example, if you go on a long vacation and come home to find that you were robbed, there’s no need to panic. Your home insurance can cover the cost of the items that were stolen so that you can replace them.

Independent insurance agents will work on your behalf to shop rates from multiple companies and help you find the best policy at an affordable rate. Your agent will make the process of buying homeowners insurance easy from start to finish.

Grand Island, NE Home Insurance

The average monthly cost of homeowners insurance in Grand Island is $110. Keep in mind, however, that premiums can vary significantly from one homeowner to the next, so your cost could be higher or lower. It all depends on a variety of factors like your home's age and value, the crime rate in your ZIP code and, sometimes, even your credit score. 

Grand Island homeowners insurance offers protection against a number of hazards faced by homeowners in this city. These include such things as severe weather events, liability lawsuits, burglaries, and unexpected accidents in your home. For instance, if the water hose on your dishwasher breaks while you are at work, your home can quickly be inundated, which can cause serious and expensive damage. Water damage is definitely frustrating, but as long as it 's not related to a flood, your homeowners insurance policy can cover the cost to make repairs.

Independent insurance agents make the search for reliable Grand Island home insurance simple. Your agent will shop quotes from multiple companies and help you find affordable coverage to protect your house from Nebraska's most worrisome threats.

Kearney, NE Home Insurance

The average monthly cost of homeowners insurance in Kearney is $131. Rates vary for each homeowner, so you could end up paying a little more or a little less than this average. Your premium will be based on several factors such as the size and age of your home, the crime rate in your ZIP code, your credit score, and the amount of coverage you are purchasing. When you compare rates, you can be sure you are getting your coverage at a competitive price.

Kearney homeowners insurance provides coverage against a number of hazards, including accidental damage. Imagine this:  You forgot to turn off the burner on your stove, and a neighbor calls to alert you that your home is a raging inferno. A home fire can be devastating, but homeowners insurance gives you a backup plan, paying to rebuild your home, replacing damaged property, and covering the cost of accommodations for you and your family in the meantime.

Instead of buying your home insurance directly from a carrier, choose an independent agent who has the freedom to shop rates from multiple companies. This can lead to significant savings on your annual premium and help you feel confident that you have the best coverage for your home.

Fremont, NE Home Insurance

The average monthly cost of homeowners insurance in Fremont is $97. Your rate could be more or less, depending on several factors that are used by insurance companies to assess risk and assign rates. These include such things as your house's size and building materials, your local crime rate, your credit score, and the amount of coverage you are purchasing.

Your Fremont homeowners insurance covers against many risks that can otherwise lead to excessive financial losses. These include property crimes, accidental fires, liability lawsuits, and severe weather events. For example, if a hail storm sweeps through the area, battering your home with large hailstones, your roof may be severely damaged. Fortunately, homeowners insurance covers hail damage so you can file a claim and get the money you need to make repairs or replace your roof.

Shopping for homeowners insurance in Fremont is simple when you have an independent insurance agent on your side. Your local agent can gather quotes from multiple companies and help you compare rates so that you can easily choose the plan that is right for your coverage and budgetary needs.

Hastings, NE Home Insurance

The average monthly cost of homeowners insurance in Hastings is $93. Your actual cost could be considerably higher or lower, depending on factors like your credit score, your previous home insurance claims, and the age, value, and structure of your home. Each insurance company has a proprietary method of calculating rates, so it is worthwhile to compare rates from a few insurers before making a purchase.

While your Hastings home insurance can cover you against such things as property crimes, accidental fires, and liability lawsuits, for residents of this city, the biggest risk comes from severe weather events. Imagine this: One of Nebraska's tornadoes passes through your area, tearing the roof off your home and causing a tree to fall into your dining room. When the storm passes, the devastation is a nightmare, but you can at least feel some peace in knowing that your home insurance can pay to make repairs and replace your ruined belongings.

Independent insurance agents take the guesswork out of shopping for home insurance. Your agent will shop rates from multiple companies and help you choose the plan that offers maximum protection for your house at an affordable price.

North Platte, NE Home Insurance

The average monthly cost of homeowners insurance in North Platte is $93. Keep in mind, however, that your actual premium could be significantly higher or lower than this average. That is because insurance companies use a number of variables to assess risk and assign rates. Your rates may be dependent on several factors such as the size and age of your home, your credit score, your previous home insurance claims, and the amount of coverage you are purchasing.

Your North Platte homeowners insurance policy can cover the costs associated with a number of risks you may face as a resident of this city. It can cover against property crimes, liability lawsuits, and natural as well as man-made damage. For example, if lightning hits your home and causes a fire, you can file a claim with your home insurance company and get the money you need to repair the damage and replace lost or damaged items.

Instead of purchasing North Platte home insurance from a direct carrier, choose an independent agent who is free to quote from multiple policies. This will give you more options so you can find the most affordable rates in your area without sacrificing on the coverage you need.

Columbus, NE Home Insurance

The average monthly cost of homeowners insurance in Columbus is $104. Of course, every homeowner will pay a customized premium that is based on their home's unique factors like its age and value, the materials used in its construction, and the crime rate in the ZIP code in which it is located. You can therefore expect your quoted rates to be considerably higher or lower than this average. When you compare rates from multiple insurance companies, you can be sure that the policy you choose comes at the right price.

Columbus home insurance can help you protect the investment you have made in your home by covering many of the risks that can lead to expensive losses. For instance, it can cover against property crimes, liability problems, and severe weather events. Storms that bring strong winds can cause serious damage to local homes. If the wind has resulted in  missing shingles or fallen trees, you can rely on your homeowners insurance policy to cover the cost of repairs to your home and replacement of lost or damaged property..

Instead of buying insurance directly from a carrier, use an independent agent to compare quotes from multiple companies. Your agent will work on your behalf to find the best policy for your budget while also securing ample protection for your home.

Norfolk, NE Home Insurance

The average monthly cost of homeowners insurance in Norfolk is $99. Bear in mind, however, that your actual costs may be significantly less or more than this average. Rates are calculated individually according to several factors such as your home’s age, value, and construction, and your claims and credit history. Each insurer has a different way of determining rates, so it pays to compare a variety of quotes.

Your Norfolk insurance can cover damage caused by most major weather events as well as liability lawsuits and property crimes. Given the low crime rate in the city, it is unlikely that you will experience a burglary in your home, but if you do, be sure to get a police report and compile a list of lost and damaged items to submit to your insurance company. That way, you can be compensated for your losses.

To get protection for the investment you have made in your home, use an independent insurance agent to find the right policy to meet your coverage and budgetary needs. Your agent will shop rates from multiple companies to make sure you get the best price for your home insurance coverage.