Nebraska Home Insurance

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Homeowners Insurance in Nebraska

Part of both Tornado and Hail Alley, Nebraska can experience many risks throughout the year. It doesn’t matter where you live in the Cornhusker state – disaster can strike at any time. That’s why Nebraska homeowners need good homeowners insurance to keep their properties and belongings secure. So, if you’re looking for Nebraska home insurance, you’ve come to the right place. Whether you live in Omaha, Alliance or anywhere in between, the AARP^® Homeowners Insurance Program from The Hartford¹ is ready to help protect you and your family with great home insurance coverage.

Types of Coverage for Homeowners Insurance in Nebraska

Homeowners insurance policies from The Hartford include a wide array of coverage options:

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.²

Additional Coverage Recommendations for Home Insurance in Nebraska

The Hartford understands that every homeowner has unique needs, so we offer many other homeowners insurance coverages that you can add to your policy for more protection:

Equipment Breakdown Coverage helps cover mechanical or electrical breakdowns of your appliances and electronics. Keep in mind that normal wear and tear is excluded. This benefit also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.
Valuable Items Blanket Coverage provides extra protection for more expensive items, like jewelry, china or silverware.
“New for Old” Protection^‡‡ to help provide the actual cost to replace your possessions if they are destroyed by a covered loss with brand new ones of the same quality.
Reimbursement for Replacing Locks to help pay up to $500 to replace locks, with a $100 deductible, if your key is lost or stolen.
Identity Fraud Expense Coverage, which reimburses you for out-of-pocket expenses up to certain limits (see your policy for limits) to help you recover from identity theft or fraud.
Disappearing Property Deductible,^‡‡ which reduces your deductible every year after you go three consecutive years without a loss.

Be aware that a standard homeowners insurance policy typically won’t cover water damage caused by flooding. You’ll need to purchase a separate flood insurance policy to stay protected in these situations.***

How Much Does Nebraska Homeowners Insurance Cost?

The average cost of homeowners insurance in Nebraska is $5,121 annually, or $427 monthly.³ Keep in mind that insurance costs vary from homeowner to homeowner, so you may pay more or less than the average amount. Insurance companies take several factors into account when determining homeowners insurance rates. These can include your:

Location
Home’s size
Claims history
Coverage limits
Home’s age

Discounts To Help You Save on Your Nebraska Home Insurance

There are many ways to save on homeowners insurance with The Hartford. We offer many homeowners insurance discounts to help lower your premiums.

Bundle Insurance Savings

When you bundle insurance, you can save money. Bundling your home and auto insurance with The Hartford could save you up to 12% on your car insurance and up to 20% on your homeowners, renters or condo insurance.^**

Home Security and Safety Device Savings

You can receive a discount if you install security systems at your home, like burglar alarms.

Fast and Free Quote for Nebraska Homeowners Insurance

Since 1984, the AARP Homeowners Insurance Program has been providing AARP members with coverage to help protect their homes from the unexpected. And with our high ratings for claims and customer service, The Hartford is an auto and home insurance company you can count on to be there when you need us most. Get a homeowners insurance quote online or call 877-422-2345 to learn more.

FAQs About Nebraska Home Insurance

What Is the Average Cost of Homeowners Insurance in Nebraska?

Homeowners insurance in Nebraska costs $5,121 per year, or $427 per month.³

Is Home Insurance Required in Nebraska?

Nebraska state law doesn’t require homeowners insurance. However, if you have a mortgage on your home, your lender may require you to purchase a policy.

Last Updated: August 7, 2024

² Medical benefits are calculated on the basis of usual, customary and reasonable charges.

³ Bankrate, “Average homeowners insurance cost in August 2024.”

*** This is an optional coverage and may not be available in all states.

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.