Best Home Insurance in Nebraska 2026
State Farm is our pick for Nebraska home insurance overall, but Allstate may have better coverage
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- State Farm is the best homeowners insurance in Nebraska thanks to its cheap rates and solid coverage options.
- Home insurance in Nebraska costs an average of $5,519 per year, which is more than double the national average.
- Nebraska is part of “Tornado Alley,” so its homes are vulnerable to wind, hail and storm damage. This is largely why home insurance rates are so high in the state.
Best homeowners insurance in Nebraska
Choosing the best homeowners insurance isn’t just about finding the provider with the lowest premiums. You also want a policy that provides the right level of protection for your home with the coverages that make the most sense for you.
We compared Nebraska insurers on a variety of factors including their average rates, coverage options, discounts and customer satisfaction. For having the lowest cost insurance in the state and a solid selection of coverage options, State Farm is our choice for best overall home insurance in Nebraska. But other insurance companies came out ahead based on other factors that might also be meaningful for you.
Best overall: State Farm
Average annual rate: $3,406
Why we chose it: State Farm has the lowest average home insurance rates in Nebraska, across all dwelling coverage
State Farm, which is the largest insurer in the nation, also got an above-average customer satisfaction rating in JD Power’s 2025 U.S. Home Insurance Study, though the National Association of Insurance Commissioners (NAIC) found that it got close to 40% more customer complaints last year than other companies its size.
Who it’s best for: State Farm is best for Nebraska homeowners seeking the most affordable coverage in a high-cost state.
PROS
- Most affordable average rates in the state
- Large network of offices and agents
- Financially strong
CONS
- Higher-than-average number of customer complaints
- Fewer discounts than some competitors
Best for coverage options: Allstate
Average annual rate: $5,146
Why we chose it: Allstate has the third lowest rates in Nebraska and stands out for its distinct collection of coverage options. Some unique ones include coverage for electronic data recovery, energy-efficient upgrades, yard and garden, and sports equipment. People with home-based businesses can also get business property coverage.
Who it’s best for: Allstate is best for homeowners looking for a few more personalized coverages from a reputable insurer.
PROS
- Great collection of coverage options for better personalization
- User-friendly app and website
- Good number of discount opportunities
CONS
- Higher-than-average number of customer complaints
- About half of claims are denied
Best for customer service: American Family
Average annual rate: $5,294
Why we chose it: American Family gets about 60% fewer customer complaints than other companies its size, according to the NAIC. That’s one of the best ratings in the state. It also ranks above average in customer satisfaction in the J.D. Power 2025 U.S. Home Insurance Study.
Who it’s best for: American Family is best for homeowners who value friendly and supportive customer service and are willing to pay a bit more for it. At least three Nebraska insurance companies offer less expensive average rates than American Family.
PROS
- One of the lowest complaint ratings in the state
- Well-rated app and website usability
CONS
- Fewer coverage options than some competitors
- Financial strength not as robust some competitors
Best for military families: USAA
Average annual rate: $4,193
Why we chose it: More than 145,800 Nebraskans are veterans, active-duty servicemembers or National Guard members. For these families, USAA is an excellent home insurance option since it offers lower-than-average rates with benefits specific to military personnel. These include no deductible for uniform coverage, protections for military equipment and a deductible waiver for personal property damaged or lost in war.
Who it’s best for: USAA is best for families and individuals seeking a military-friendly home insurance option.
PROS
- Half as many customer complaints as average
- Lower-than-average rates
- Financially strong
CONS
- Limited coverage options
- Only USAA members can open a policy
Compare home insurance rates and ratings in Nebraska
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $3,406 | 4/5 | 1.4 |
 | Nationwide | $4,979 |  3.5/5 | 1.2 |
| Allstate | $5,146 | 4/5 | 1.2 |
| < | American Family | $5,294 | 4/5 | 0.4 |
 | Farmers | $6,040 | 3.5/5 | 0.7 |
 | Farm Bureau | $9,577 | 3.5/5 | 0.6 |
| USAA* | $4,193 | 4/5 | 0.5 |
In Nebraska, rates can vary significantly between insurers. Comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed home insurance quotes from every Nebraska ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Nebraska?
The average annual cost of home insurance in Nebraska for a $400,000 property is $5,519, or $460 per month. That is more than twice the national average of $2,628.
Nebraska consistently has one of the highest numbers of home insurance claims by dollar amount in the country, according to the 2025 LexisNexis U.S. Home Trends Report.
That’s because the state faces a range of seasonal disasters including tornadoes, wind and hail storms. Hail in Nebraska can get as large as baseballs, which can damage shingles and break windows.
All of this, plus rising construction costs, have made insurance rates in the state the second highest in the country, just behind Oklahoma ($5,533).
Average home insurance rates by dwelling coverage amount
When comparing home insurance premiums, the cost can vary based on various factors, including the amount of coverage for your dwelling.
| Company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| State Farm | $2,889 | $3,406 | $4,195 | $5,066 |
| USAA | $3,413 | $4,193 | $5,138 | $5,771 |
| Allstate | $4,595 | $5,146 | $5,764 | $6,604 |
| American Family | $3,901 | $5,294 | $7,321 | $9,441 |
| State average | $4,392 | $5,519 | $7,142 | $9,083 |
Home insurance rates in Nebraska by city
Home insurance rates for $400,000 in dwelling coverage range from $4,903 to $6,549 in Nebraska cities and towns. The differences mostly come down to geography and weather.
The most expensive insurance rates are found in Superior, Red Cloud and Fairfield. These cities are all in the southern part of the state, which is part of “Hail Alley.” Being in a hail-prone area typically means roofs need to be replaced more often, which is a key factor for driving up insurance rates.
Springview, Niobrara, and Bristow have the lowest rates in the state. These are all small, rural villages located near the South Dakota border, where property values and rebuilding costs are lower compared to other parts of the state.
| City | Average rate |
|---|---|
| Abie | $5,484 |
| Albion | $5,557 |
| Alda | $5,863 |
| Alexandria | $5,619 |
| Allen | $5,150 |
| Alliance | $5,629 |
| Alvo | $5,302 |
| Amelia | $5,142 |
| Ames | $5,531 |
| Amherst | $6,127 |
| Angora | $5,548 |
| Anselmo | $6,122 |
| Ansley | $6,237 |
| Arapahoe | $5,990 |
| Arcadia | $6,131 |
| Archer | $5,845 |
| Arlington | $5,481 |
| Ashby | $5,327 |
| Ashland | $5,522 |
| Ashton | $5,675 |
| Atkinson | $5,342 |
| Atlanta | $6,100 |
| Auburn | $5,054 |
| Aurora | $6,410 |
| Axtell | $6,353 |
| Ayr | $6,467 |
| Barneston | $5,419 |
| Bartlett | $5,303 |
| Bartley | $6,167 |
| Bassett | $5,179 |
| Battle Creek | $5,530 |
| Bayard | $5,774 |
| Beatrice | $5,276 |
| Beaver Crossing | $5,643 |
| Bee | $5,422 |
| Beemer | $5,363 |
| Belden | $5,228 |
| Belgrade | $5,930 |
| Bellevue | $5,052 |
| Bellwood | $5,362 |
| Belvidere | $5,616 |
| Benedict | $5,601 |
| Benkelman | $5,976 |
| Bennet | $5,274 |
| Bennington | $5,619 |
| Bertrand | $6,116 |
| Bingham | $5,579 |
| Bladen | $6,169 |
| Blair | $5,489 |
| Bloomfield | $5,016 |
| Bloomington | $6,050 |
| Blue Hill | $6,406 |
| Blue Springs | $5,490 |
| Boelus | $5,766 |
| Boys Town | $5,866 |
| Bradshaw | $6,133 |
| Brady | $5,864 |
| Brainard | $5,585 |
| Brewster | $5,676 |
| Bridgeport | $5,675 |
| Bristow | $4,952 |
| Broadwater | $5,579 |
| Brock | $5,083 |
| Broken Bow | $6,365 |
| Brule | $5,892 |
| Bruno | $5,525 |
| Brunswick | $5,216 |
| Burchard | $5,332 |
| Burr | $5,208 |
| Burwell | $5,923 |
| Bushnell | $5,589 |
| Butte | $5,010 |
| Byron | $5,727 |
| Cairo | $5,765 |
| Callaway | $5,786 |
| Cambridge | $6,009 |
| Campbell | $6,079 |
| Carleton | $5,732 |
| Carroll | $5,212 |
| Cedar Bluffs | $5,644 |
| Cedar Creek | $5,587 |
| Cedar Rapids | $5,586 |
| Center | $5,083 |
| Central City | $5,978 |
| Ceresco | $5,462 |
| Chadron | $5,567 |
| Chambers | $5,289 |
| Champion | $6,046 |
| Chappell | $5,877 |
| Chester | $5,646 |
| Clarks | $5,980 |
| Clarkson | $5,516 |
| Clatonia | $5,827 |
| Clay Center | $6,390 |
| Coleridge | $5,092 |
| Colon | $5,630 |
| Columbus | $5,293 |
| Comstock | $5,988 |
| Cook | $5,258 |
| Cordova | $5,675 |
| Cortland | $5,870 |
| Cozad | $5,718 |
| Crab Orchard | $5,371 |
| Crawford | $5,472 |
| Creston | $5,558 |
| Crete | $5,627 |
| Crofton | $4,994 |
| Crookston | $5,228 |
| Culbertson | $6,038 |
| Curtis | $5,953 |
| Dakota City | $5,009 |
| Dalton | $5,571 |
| Danbury | $6,146 |
| Davenport | $5,644 |
| Davey | $5,104 |
| David City | $5,578 |
| Dawson | $5,125 |
| Daykin | $5,568 |
| De Witt | $5,680 |
| Deweese | $6,252 |
| Dickens | $5,844 |
| Diller | $5,416 |
| Dix | $5,737 |
| Dixon | $5,273 |
| Dodge | $5,404 |
| Douglas | $5,354 |
| Du Bois | $5,119 |
| Dunbar | $5,230 |
| Duncan | $5,492 |
| Dunning | $5,709 |
| Dwight | $5,528 |
| Eagle | $5,279 |
| Eddyville | $6,078 |
| Edison | $5,894 |
| Elgin | $5,433 |
| Elk Creek | $5,207 |
| Ellsworth | $5,470 |
| Elm Creek | $6,157 |
| Elmwood | $5,264 |
| Elsie | $5,802 |
| Elsmere | $5,304 |
| Elwood | $5,815 |
| Elyria | $5,820 |
| Emerson | $5,096 |
| Emmet | $5,057 |
| Enders | $6,124 |
| Ericson | $5,933 |
| Eustis | $5,855 |
| Ewing | $5,322 |
| Exeter | $5,863 |
| Fairbury | $5,479 |
| Fairfield | $6,523 |
| Fairmont | $5,718 |
| Falls City | $5,144 |
| Farnam | $5,741 |
| Farwell | $5,764 |
| Firth | $5,430 |
| Fontanelle | $5,630 |
| Fordyce | $5,006 |
| Fort Calhoun | $5,503 |
| Franklin | $6,119 |
| Fremont | $5,445 |
| Friend | $5,802 |
| Fullerton | $5,950 |
| Funk | $6,246 |
| Garland | $5,468 |
| Geneva | $5,742 |
| Genoa | $5,596 |
| Gering | $5,845 |
| Gibbon | $5,968 |
| Gilead | $5,520 |
| Giltner | $6,480 |
| Glenvil | $6,232 |
| Goehner | $5,597 |
| Gordon | $5,335 |
| Gothenburg | $5,828 |
| Grafton | $5,647 |
| Grand Island | $6,008 |
| Grant | $5,681 |
| Greeley | $5,805 |
| Greenwood | $5,335 |
| Gresham | $5,617 |
| Gretna | $5,248 |
| Gross | $4,952 |
| Guide Rock | $6,262 |
| Hadar | $5,344 |
| Haigler | $5,815 |
| Hallam | $5,583 |
| Halsey | $5,592 |
| Hampton | $6,356 |
| Hardy | $6,225 |
| Harrisburg | $5,685 |
| Harrison | $5,517 |
| Hartington | $5,052 |
| Hastings | $6,017 |
| Hay Springs | $5,528 |
| Hazard | $5,695 |
| Heartwell | $6,260 |
| Hebron | $5,778 |
| Hemingford | $5,604 |
| Henderson | $5,871 |
| Hendley | $5,835 |
| Herman | $5,497 |
| Hershey | $5,874 |
| Hickman | $5,433 |
| Hildreth | $6,136 |
| Holbrook | $5,757 |
| Holdrege | $6,209 |
| Holstein | $6,305 |
| Homer | $5,224 |
| Hooper | $5,690 |
| Hordville | $6,162 |
| Howells | $5,511 |
| Hubbard | $5,133 |
| Hubbell | $5,514 |
| Humboldt | $5,193 |
| Humphrey | $5,593 |
| Huntley | $6,256 |
| Imperial | $6,196 |
| Inavale | $6,242 |
| Indianola | $6,134 |
| Inland | $6,060 |
| Inman | $5,093 |
| Ithaca | $5,679 |
| Jackson | $5,136 |
| Jansen | $5,345 |
| Johnson | $5,193 |
| Johnstown | $4,995 |
| Julian | $5,198 |
| Juniata | $6,061 |
| Kearney | $5,990 |
| Kennard | $5,516 |
| Keystone | $5,532 |
| Kilgore | $5,186 |
| Kimball | $5,896 |
| La Vista | $5,021 |
| Lakeside | $5,550 |
| Lamar | $6,036 |
| Laurel | $5,143 |
| Lawrence | $6,351 |
| Lebanon | $6,017 |
| Leigh | $5,542 |
| Lemoyne | $5,383 |
| Lewellen | $5,705 |
| Lewiston | $5,324 |
| Lexington | $5,610 |
| Liberty | $5,337 |
| Lincoln | $5,058 |
| Lindsay | $5,609 |
| Linwood | $5,486 |
| Lisco | $5,717 |
| Litchfield | $5,915 |
| Long Pine | $5,094 |
| Loomis | $6,164 |
| Lorton | $5,225 |
| Louisville | $5,260 |
| Loup City | $6,202 |
| Lyman | $5,679 |
| Lynch | $5,020 |
| Lyons | $5,269 |
| Macy | $5,263 |
| Madison | $5,460 |
| Madrid | $5,775 |
| Magnet | $5,225 |
| Malcolm | $5,320 |
| Malmo | $5,518 |
| Manley | $5,431 |
| Marquette | $6,340 |
| Marsland | $5,395 |
| Martell | $5,318 |
| Maskell | $5,023 |
| Mason City | $5,997 |
| Max | $5,814 |
| Maywood | $5,995 |
| McCook | $6,288 |
| McCool Junction | $5,890 |
| McGrew | $5,779 |
| McLean | $5,150 |
| Mead | $5,531 |
| Meadow Grove | $5,471 |
| Melbeta | $5,763 |
| Memphis | $5,616 |
| Merna | $6,005 |
| Merriman | $5,098 |
| Milburn | $6,122 |
| Milford | $5,524 |
| Miller | $6,307 |
| Milligan | $5,579 |
| Mills | $4,998 |
| Minatare | $5,799 |
| Minden | $6,446 |
| Mitchell | $5,779 |
| Monowi | $5,020 |
| Monroe | $5,746 |
| Moorefield | $5,872 |
| Morrill | $5,640 |
| Morse Bluff | $5,437 |
| Murdock | $5,349 |
| Murray | $5,129 |
| Naper | $5,035 |
| Naponee | $6,232 |
| Nebraska City | $5,151 |
| Nehawka | $5,061 |
| Neligh | $5,398 |
| Nemaha | $5,167 |
| Nenzel | $5,229 |
| Newman Grove | $5,562 |
| Newport | $5,112 |
| Nickerson | $5,630 |
| Niobrara | $4,903 |
| Norfolk | $5,405 |
| North Bend | $5,475 |
| North Platte | $5,687 |
| O’Neill | $5,059 |
| Oak | $6,152 |
| Oakdale | $5,369 |
| Oakland | $5,378 |
| Oconto | $6,201 |
| Odell | $5,522 |
| Odessa | $6,353 |
| Offutt AFB | $5,026 |
| Ogallala | $5,703 |
| Ohiowa | $5,696 |
| Omaha | $5,533 |
| Ong | $6,080 |
| Orchard | $5,131 |
| Ord | $6,099 |
| Orleans | $6,091 |
| Osceola | $6,036 |
| Oshkosh | $5,813 |
| Osmond | $5,253 |
| Otoe | $5,150 |
| Oxford | $6,009 |
| Page | $5,169 |
| Palisade | $6,161 |
| Palmer | $6,098 |
| Palmyra | $5,283 |
| Panama | $5,541 |
| Papillion | $5,020 |
| Parks | $5,842 |
| Pawnee City | $5,280 |
| Pender | $5,269 |
| Peru | $5,219 |
| Petersburg | $5,700 |
| Phillips | $6,206 |
| Pickrell | $5,643 |
| Pierce | $5,376 |
| Pilger | $5,527 |
| Plainview | $5,266 |
| Platte Center | $5,445 |
| Plattsmouth | $5,125 |
| Pleasant Dale | $5,356 |
| Pleasanton | $5,992 |
| Plymouth | $5,545 |
| Polk | $6,113 |
| Ponca | $5,146 |
| Prague | $5,407 |
| Primrose | $5,478 |
| Purdum | $5,685 |
| Ragan | $6,276 |
| Ralston | $5,404 |
| Randolph | $5,143 |
| Ravenna | $6,002 |
| Raymond | $5,382 |
| Red Cloud | $6,527 |
| Republican City | $6,259 |
| Reynolds | $5,417 |
| Richfield | $5,167 |
| Rising City | $5,637 |
| Riverdale | $6,048 |
| Riverton | $6,089 |
| Roca | $5,109 |
| Rockville | $5,785 |
| Rogers | $5,535 |
| Rosalie | $5,168 |
| Royal | $5,238 |
| Rulo | $5,161 |
| Rushville | $5,323 |
| Ruskin | $6,202 |
| Salem | $5,057 |
| Sargent | $6,196 |
| Saronville | $6,166 |
| Schuyler | $5,464 |
| Scotia | $5,830 |
| Scottsbluff | $5,973 |
| Scribner | $5,551 |
| Seneca | $5,416 |
| Seward | $5,592 |
| Shelby | $5,560 |
| Shelton | $5,970 |
| Shickley | $5,685 |
| Shubert | $5,130 |
| Sidney | $5,992 |
| Smithfield | $5,861 |
| Snyder | $5,410 |
| South Sioux City | $5,010 |
| Sparks | $5,236 |
| Spencer | $4,971 |
| Sprague | $5,463 |
| Springfield | $5,159 |
| Springview | $4,884 |
| St Columbans | $5,163 |
| St. Edward | $5,591 |
| St. Helena | $4,963 |
| St. Paul | $6,114 |
| Stamford | $6,095 |
| Stanton | $5,410 |
| Staplehurst | $5,514 |
| Stapleton | $5,561 |
| Steele City | $5,402 |
| Steinauer | $5,218 |
| Stella | $5,095 |
| Stockville | $5,969 |
| Strang | $5,652 |
| Stratton | $5,932 |
| Stromsburg | $5,542 |
| Sumner | $6,232 |
| Superior | $6,549 |
| Surprise | $5,549 |
| Sutton | $6,383 |
| Swanton | $5,612 |
| Syracuse | $5,117 |
| Table Rock | $5,192 |
| Talmage | $5,090 |
| Taylor | $5,868 |
| Tecumseh | $5,249 |
| Tekamah | $5,458 |
| Terrytown | $5,844 |
| Thedford | $5,564 |
| Thurston | $5,118 |
| Tilden | $5,419 |
| Tobias | $5,504 |
| Trenton | $6,044 |
| Trumbull | $6,430 |
| Tryon | $5,591 |
| Uehling | $5,384 |
| Ulysses | $5,549 |
| Unadilla | $5,196 |
| Union | $5,064 |
| Upland | $6,178 |
| Utica | $5,671 |
| Valentine | $5,282 |
| Valley | $5,917 |
| Valparaiso | $5,373 |
| Venango | $5,814 |
| Verdigre | $4,979 |
| Verdon | $5,069 |
| Virginia | $5,347 |
| Wahoo | $5,557 |
| Wakefield | $5,224 |
| Wallace | $6,063 |
| Walthill | $5,206 |
| Walton | $5,123 |
| Washington | $5,534 |
| Waterbury | $5,277 |
| Wauneta | $6,066 |
| Wausa | $5,033 |
| Waverly | $5,138 |
| Wayne | $5,281 |
| Weeping Water | $5,091 |
| Wellfleet | $5,876 |
| West Point | $5,368 |
| Western | $5,575 |
| Westerville | $6,053 |
| Weston | $5,495 |
| Whiteclay | $5,305 |
| Whitman | $5,242 |
| Whitney | $5,294 |
| Wilcox | $6,335 |
| Willow Island | $5,495 |
| Wilsonville | $5,789 |
| Winnetoon | $5,064 |
| Winside | $5,297 |
| Winslow | $5,523 |
| Wisner | $5,361 |
| Wolbach | $5,994 |
| Wood Lake | $5,245 |
| Wood River | $5,801 |
| Woodland Park | $5,419 |
| Wymore | $5,545 |
| Wynot | $5,051 |
| York | $5,772 |
| Yutan | $5,479 |
Current state of homeowners insurance in Nebraska
Nebraska homeowners face some of the nation’s highest home insurance costs thanks to its vulnerability to extreme weather events like tornadoes and hail storms. These weather conditions are the driving force behind Nebraska’s average annual home insurance cost, which is more than double the national rate.
Nebraska homeowners have seen a 67.7% increase in average home insurance rates between 2021 and 2025, the the fifth biggest jump in the nation. It’s also higher than the national average increase of 47.9%. The biggest increase took place in 2024 (22.9%), which was also the same year in which 101 tornadoes hit the state.
As far as home size and age, Nebraska sits somewhere in the middle compared to other states. Nebraska homes are 45 years old on average, and 2,016 square feet. Keep in mind that home age and size play a large role when shopping for insurance rates and determining what type of coverage is best.
How to compare homeowners insurance in Nebraska
When comparing options, don’t just look at rates. You should also consider:
- Coverage limits: Make sure you choose enough coverage to pay for the cost of repairing or rebuilding your home after a disaster.
- Deductibles: Higher deductibles can lower your monthly costs, but make sure you’ll have the cash on hand when you need to file a claim.
- Exclusions: Be sure to check what isn’t covered (like floods), so there are no surprises when it comes time to file a claim.
- Add-ons: Consider extra coverage for high-value items like jewelry or sporting equipment.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not a state requirement in Nebraska. However, the majority of mortgage lenders do require homeowners to have a property insurance policy for the duration of their home loan.
The average homeowners insurance policy in Nebraska is $5,519, which is more than double the national average of $2,628. Nebraska has expensive insurance because the state is particularly vulnerable to catastrophic events like tornadoes and hail storms. Extreme weather patterns over the last few years are a likely cause of Nebraska policies increasing by nearly 68% from 2021 to 2025 — the fifth largest increase in the nation.
Nebraska is not one of the states that offers a Fair Access to Insurance Requirements (FAIR) plan. FAIR plans are state-managed insurance plans designed to give an insurance option to homeowners who are otherwise unable to find coverage. If you’re having trouble finding a company that will sell you home insurance, talk with an independent agent who may be able to connect you with an insurer who specializes in high-risk coverage.
Nebraska is part of Tornado Alley, so worries about tornado damage to homes are real. The good news is that tornadoes are considered windstorm events, and most home insurance policies include coverage for wind damage. But if you’re in a high-risk area, be sure to choose a deductible you would be able to pay. Then talk to an agent to see if there are any coverage limits should a tornado cause major damage to your home.
Methodology
How we chose the best homeowners insurance in Nebraska
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Nebraska ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
*USAA is only available to current and former members of the military, spouses and children of USAA members and employees of certain federal agencies.