Who Has the Cheapest Homeowners Insurance Quotes in Nebraska?

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This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

Article Approved By Banking Expert

This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

Nebraska not only feeds quite a bit of the country, but it also is a place where people from all walks of life make homes for themselves and raise families. And with your home being the epicenter of that, it deserves protection. While you can and should consider physical measures and fixes to your place, you also need to get a homeowners insurance policy. When the absolute worst happens (think of a tornado), it’s often the only thing that can help. To help you get a policy, or just get a cheaper policy, we looked into the cheapest providers in the state for you.

Here are the four cheapest homeowners insurance providers operating in Nebraska:

The Five Cheapest Quotes:

Nebraska is comprised of a lot of land and not every part of the state gets hit equally by disasters or storms. This means rates will vary across the state. Rates will also vary based on the home and homeowner, so please note that your results will deviate somewhat from what you see here. Please use this as a guide to trends among the companies instead of an encyclopedia.

The number listed next to each provider is the average annual rate for a standard policy.

1) Nationwide: $2,612

The cheapest option in Nebraska, Nationwide also is one of the best choice for customers who know what kind of plan they’re looking for, as with them you’ll be able to customize your coverage to the degree that it can affect your rate, your levels of coverage for different problems or item groups, and more. Normally more expensive, getting Nationwide in Nebraska like this is an uncommon opportunity you should consider.

Yet everything has a cost, and in Nationwide’s case, the optional coverages will cost even more. Be careful about taking too many without looking at another provider for comparison, as the difference will soon be made up. There are also a few small service issues, but they’re minor in comparison.

You can expect the following working with Nationwide:

  • Optional policy add-ons including coverages for flood, earthquake, water backup, enhanced home replacement and valuables, and identity theft.
  • A great policy regarding replacing damaged or stolen items.
  • Plenty of helpful tools and online guides if you have any questions about your policy.

2) Farmers: $2,941 

Farmers is a bit of a jump from Nationwide, but it provides most of the customization options while also being a paragon in the field of customer service for insurance industries. They’re great to work with, and their agents are to our knowledge nothing but friendly and helpful. Farmers should be the first choice for new homeowners, those uninterested in Nationwide but still interested in customization, and those who require good service.

Problems do occur after signup, however. Some Farmers customers have reported finding themselves unsatisfied with coverage after the fact, and others still complain of rate spikes after signup. As with any company, take your time and be careful.

You can expect the following working with Farmers:

  • Three different base packages to work with, each of which you can customize to at least some degree (the basic option has the most flexibility).
  • Discounts for new homes, recent renovations, not smoking, bundling, using strong roofing materials, and installing home safety or preventative measures.
  • If you make few to no claims, you may become eligible for claim forgiveness and declining deductibles.

3) Allstate: $2,974

The best option for certain people, such as those who are looking to bundle with their car insurance and those with older homes, Allstate is one of the largest providers of insurance in the country, and has the experience and financial stability to come with it. If you don’t want to worry about your coverage, Allstate is all you need. And if you’re worried about the cost of your policy, then you can be pleased to know that there are many discounts opportunities to look into.

Yet while everything else is mostly great about Allstate, the customer service is sorely lacking when compared to the likes of Farmers or even the other companies on this list. You might also wait a bit to get a response should you make a claim, which is not what you want to worry about in that situation.

You can expect the following working with Allstate:

  • An excellent online and mobile experience complemented by a library of tools and information to help you through the insurance process.
  • Optional coverages such as water backup, garden and landscaping, identity theft restoration, business property, scheduled personal property, and umbrella coverage.
  • A few endorsements available to particular valuable items.

4) State Farm: $3,019

Normally cheap and accessible in other parts of the country, State Farm remains accessible (but perhaps not so cheap) in Nebraska. They are also generally straightforward and easy to understand, and your policy will be the same. You will be able to expect coverages for all the basic perils that’s sufficient enough to get you by. If that’s all you’re looking for, or if you just need to check off a box about insurance, consider getting a quote from State Farm and see how you fare.

The downsides to State Farm have already been alluded to: there isn’t much more to them beyond the basics, at least when you compare the company to other providers. Discounts are uncommon, which is especially a shame in Nebraska, and you won’t find too many extra coverage options or potential customization avenues with them.

You can expect the following working with State Farm:

  • One of the best quoting tools in the industry, which is only helped by an excellent online experience and set of pages.
  • A level of dedication to making sure customers are satisfied with their policies.
  • A wide network of agents and customer service representatives that are always available to help.

Conclusion

Whether you live on a ranch or near one of Nebraska’s cities, there are good reasons to have homeowners insurance. You can never be sure what might happen, but you can be certain as to how you’ll respond. Remain confident in your own knowledge and priorities, and use the information above alongside further research to make the very best choice for your family over the next few days. If you tackle it carefully, even this tricky process can be easy.