Popular Questions about Nebraska Home Insurance

The annual average home insurance rate in Nebraska is $1,481, coming in higher than the national number of $1,211 per year. Your premiums could be less or more than the averages and can be quoted through a local adviser for exact pricing.

In Nebraska, your home insurance policy will have limits for dwelling value, personal property, other structures, medical payments, liability, and additional living expenses. The amounts you select will determine how much coverage you have. The majority of home policies will protect against fire, theft, vandalism, natural disasters, and severe weather damage.

Unlike your car insurance, Nebraska does not have any specific laws when it comes to insuring your home. However, if you have a mortgage or lender they will require you to carry homeowners insurance. In Nebraska, $698,557,000 in home claims were paid out in one year alone, which makes having the right policy essential.

Carriers use a variety of factors when calculating your insurance costs. From natural disasters to past claims, your home insurance rates are based on personal and local risk factors. In Nebraska, the most commonly reported losses are severe storms, flooding, residential fires, tornadoes, and burglary.

Yes, Nebraska has 294 independent insurance agencies that can help with homeowners coverage. The majority of independent agents will have a network of carrier options so that you get the best price and protection. Plus, they work for you, free of charge.

In Nebraska, there are numerous carriers you could place your home insurance with.  Some of the top-rated insurance companies in Nebraska are Nationwide, Progressive, and Travelers. They are known for their service, national presence, and low premiums. 

Do You Know What Your Nebraska Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries (per 1k residents)
Alliance$951$105,6003.75
Beatrice$1,032$106,6005.87
Bellevue$1,336$148,9002.03
Blair$1,425$148,5002
Columbus$1,245$145,4002.64
Crete$1,061$97,4003.77
Fremont$1,163$132,7003.42
Gering$1,184$138,2003.9
Grand Island$1,320$140,8007.9
Gretna$1,595$185,5000.22
Hastings$1,119$119,8006.74
Kearney$1,573$178,9002.71
La Vista$1,351$154,3001.39
Lexington$845$92,4003.83
Lincoln$1,520$169,8004.81
McCook$884$109,0005.29
Nebraska City$1,374$117,00020.71
Norfolk$1,193$145,4001.95
North Platte$1,112$118,9005.89
Omaha$1,472$159,7006.84
Papillion$1,589$189,9000.77
Scottsbluff$1,073$116,6007.13
Seward$1,362$158,7000.45
York$1,160$132,3005.37
  1. $123
  2. Omaha, NE Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Omaha: $123
  4. 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.
  5. Omaha home insurance covers several risks you face as a homeowner. These include 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.


  1. $111
  2. Bellevue, NE Monthly average home insurance cost
  3. Average monthly rate of homeowners insurance in Bellevue: $111
  4. 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.
  5. Your Bellevue home insurance covers a variety of risks you may face as a homeowner in this city. 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.


  1. $127
  2. Lincoln, NE Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Lincoln: $127
  4. 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.
  5. 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. 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.


  1. $131
  2. Kearney, NE Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Kearney: $131
  4. 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.
  5. Kearney homeowners insurance provides coverage against a number of hazards, including accidental damage. Imagine that you forgot to turn off a 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. It pays to rebuild your home, replace damaged property, and cover the cost of accommodations for you and your family in the meantime.


  1. $97
  2. Fremont, NE Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Fremont: $97
  4. 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 your house's size and building materials, the local crime rate, your credit score, and the amount of coverage you are purchasing.
  5. 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. If a hailstorm 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.


  1. $93
  2. Hastings, NE Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Hastings: $93
  4. 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.
  5. While your Hastings home insurance can cover you against things like property crimes, accidental fires, and liability lawsuits, for residents of this city, the biggest risk comes from severe weather events. Imagine that 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.


  1. $93
  2. North Platte, NE Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in North Platte: $93
  4. 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 will depend 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.
  5. 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. 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.


  1. $104
  2. Columbus, NE Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Columbus: $104
  4. 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.
  5. 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. 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..


  1. $99
  2. Norfolk, NE Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Norfolk: $99
  4. 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.
  5. 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.