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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.
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
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
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.
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.
Even though the crime rate in Nebraska is lower than the national average, homeowners still have to be aware of the risk.
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.
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.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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