The Best Cheap Renters Insurance in Nebraska (2024)
State Farm has the most affordable renters insurance in Nebraska, at an average of $11 per month for $30,000 of personal property coverage.
Compare Cheap Renters Insurance in Nebraska
Best Cheap Renters Insurance in NE
ValuePenguin editors found the best renters insurance companies in Nebraska by comparing rates, coverage, unique offerings and customer satisfaction.
Our experts collected 154 quotes from Nebraska's 24 largest cities to find the cheapest rates in the state.
Most affordable renters insurance in NE
State Farm has the cheapest renters insurance in Nebraska.
Plans cost $11 per month for $30,000 of personal property coverage on average. That's half the Nebraska state average.
Allstate and Progressive also have cheap rates, at $15 per month on average. But both companies have a poor reputation for customer service.
Compare Cheap Renters Insurance in Nebraska
The average cost of renters insurance in Nebraska is $22 per month. That's roughly in line with the national average. Rates are similar in nearby Iowa and South Dakota. Colorado, Missouri and Kansas have higher average monthly costs.
Top renters insurance companies in Nebraska
Company | Monthly cost | ||
|---|---|---|---|
| State Farm | $11 | |
| Allstate | $15 | |
| Progressive | $15 | |
| Amica | $20 | |
| Assurant | $25 | |
Best renters insurance in Nebraska for most people: State Farm
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Editor's rating
- Cost: $11/mo
State Farm has the cheapest renters insurance in Nebraska.
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Cheap rates
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Good customer satisfaction
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Coverage add-ons available
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Large renters-auto bundling discount
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Few discounts available
State Farm offers the best combination of affordable rates and good customer service for Nebraska renters. State Farm has the cheapest renters insurance in Nebraska, at $11 per month for $30,000 of personal property coverage. That's half the Nebraska state average.
State Farm also has a good reputation for customer service. The company scored better than average on a recent J.D. Power survey that measures customer satisfaction among top renters insurance companies. Plus, State Farm gets a roughly average amount of complaints compared to a company its size.
State Farm only offers a couple of renters insurance discounts. The company has a good renters-auto bundling discount. You'll also save if you have a burglar or fire alarm installed in your home.
State Farm lets you personalize your coverage with a range of extras including flood insurance for renters and identity theft protection.
Best Nebraska renters insurance for customer service: Amica
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Editor's rating
- Cost: $20/mo
Amica has the best customer satisfaction reputation among Nebraska renters insurance companies.
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Strong customer service
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Cheap rates
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Few coverage extras available
Amica offers some of the best customer service of any major renters insurance company in Nebraska. The company gets significantly fewer complaints than an average company its size. Plus, Amica ranked high on a recent J.D. Power survey that measured customer satisfaction among renters insurance customers.
Amica also has affordable rates, at $20 per month for $30,000 of personal property coverage on average. That's 8% cheaper than the Nebraska state average. You can lower your monthly rate even further by taking advantage of one or more of Amica's discounts.
- Renters-auto bundling discount
- Claim-free
- Loyalty
- E-discount
- Auto-pay
Amica isn't a good choice if you need personalized coverage. While Amica offers several coverage add-ons, it doesn't sell umbrella insurance, mold protection or water backup coverage.
Consider Progressive if you need more extra coverage options.
Best renters insurance in Nebraska for extra coverage: Progressive
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Editor's rating
- Cost: $15
Progressive lets you customize your coverage with a range of add-ons.
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Many coverage extras available
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Large number of discounts
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Affordable quotes
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Replacement cost coverage comes standard with all policies
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Poor customer service
Progressive lets its customers personalize their policies with many coverage add-ons. These include identity theft protection, higher coverage limits for expensive items like jewelry and artwork and umbrella insurance. You can also get coverage for mold, appliances you own that breakdown and floods.
All Progressive renters policies pay for the full cost to replace your items, called replacement cost coverage.
Many renters insurance policies pay for the cost to replace what you own in its current condition, called actual cash value. Other companies may let you upgrade to replacement cost coverage for an extra cost.
Progressive has affordable rates at $15 per month for $30,000 of personal property coverage. That's about a third cheaper than the Nebraska state average.
You can lower your rate even more by taking advantage of Progressive's discounts for renters, such as its renters-auto bundling discount, quote in advance discount and paperless document delivery discount.
The major drawback to Progressive is its poor customer service. Progressive gets significantly more complaints than an average company its size, and it scores below average for customer satisfaction according to a recent J.D. Power survey. Consider Amica if customer service is a top priority for you.
Nebraska renters insurance: Costs by city
Columbus, a city in Eastern Nebraska, has the highest renters insurance rates among large Nebraska cities, at $28 per month on average.
Bellevue, an Omaha suburb, has the cheapest renters insurance in Nebraska, at $19 per month on average.
The cost of renters insurance depends partly on where you live. Factors like local crime rates, certain natural disasters and the cost of labor and materials all influence how much you pay for renters insurance.
City | Monthly rate | % from average |
|---|---|---|
| Alliance | $22 | 2% |
| Beatrice | $23 | 4% |
| Bellevue | $19 | -12% |
| Blair | $22 | 3% |
| Columbus | $28 | 27% |
Tips for getting the cheapest renters insurance in Nebraska
To get the cheapest renters insurance in Nebraska, it's a good idea to figure out how much coverage you need, compare quotes and take advantage of discounts.
Get the right amount of coverage
Figure out the cost of everything you own that's in your apartment or rented home. You want your personal property coverage limits to roughly match the total cost of what you own.
That's because your policy won't pay out more than the cost to replace your property. If you file a claim for $13,000 worth of stuff, your plan will never pay more than $13,000 even if your policy limits are $30,000.
Shop around to find the lowest rate
Comparing quotes can save you hundreds of dollars per year without sacrificing quality or coverage. Switching from the most expensive renters insurance company in Nebraska, American Family, to the cheapest, State Farm, would save you $306 per year.
Keep in mind that companies that charge higher rates don't always offer better service. For example, State Farm has the cheapest rates in Nebraska and a good customer service reputation.
Use discounts to get the best rate
Taking advantage of discounts is one of the best ways to save on your Nebraska renters insurance.
Most renters insurance companies in Nebraska let you save with one or more discounts. One of the best ways to save is to bundle your renters and auto policies.
Other common ways to save include claims free discounts, online bill pay and pay in full.
Common natural disasters to watch out for in Nebraska
Nebraska renters may need coverage for tornadoes and floods.
Does renters insurance cover tornadoes in Nebraska?
A standard renters insurance policy covers tornado damage. It's important to remember that your renters policy doesn't cover the building you live in. That's your landlord's responsibility. Instead, your renters policy pays to replace or repair the items you own.
For example, if a tornado destroyed your couch, your renters policy would pay to replace the couch, but it would not pay your landlord to repair your apartment's walls or roof. In addition, some policies will pay for you to stay in a short-term rental , called loss of use coverage, if you can't stay in your apartment or rented home because of damage. For example, a policy with loss-of-use coverage might help pay for a hotel stay, meals and storage if a fire has destroyed your apartment.
Check your plan details to see if you have this coverage because it doesn't come standard with every policy.
Nebraska gets dozens of tornadoes each year. Over the past 30 years, Nebraska has averaged about 53 tornadoes per year. Tornadoes can occur year-round, although they're most common in the late spring and early summer.
Flood coverage for Nebraska renters
Renters insurance doesn't cover flood damage. It's a good idea to buy a separate flood insurance policy for renters if you live in a basement or first-floor unit in a high-risk area.
FEMA has a free online map tool that you can use to find your area's risk level.
Floods are common in the heavily populated eastern edge of the state, especially around the Missouri River. Cities and towns close to the Platte River may also have a higher flood risk. North and central Nebraska rarely get floods.
Frequently asked questions
Who has the best renters insurance in Nebraska?
State Farm has the best renters insurance in Nebraska. The company has the cheapest rates in NE and a good reputation for customer satisfaction.
How much is renters insurance in Nebraska?
Renters insurance in Nebraska costs $22 per month for $30,000 of personal property coverage. That's roughly in line with the national average.
Does Nebraska require renters insurance?
No, renters do not need to have insurance in Nebraska. However, your landlord may require that you buy coverage as part of your lease agreement.
Methodology
ValuePenguin gathered 154 quotes from Nebraska's 24 largest cities for a single 30-year-old woman who has never filed a claim before. Coverage limits include:
- $30,000 of personal property coverage
- $9,000 for loss of use
- $500 deductible
- $100,000 of personal liability
- $1,000 of medical payments to guests
Customer service ratings were created using renters insurance quotes, complaint data from the National Association of Insurance Commissioners (NAIC) and the J.D. Power 2023 renters insurance customer satisfaction survey.
These rates are only for comparative purposes. Your quotes will differ.
Natural disaster-related information was taken from the National Weather Service and the Nebraska Emergency Management Agency.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.