Who Has The Cheapest Renters Insurance in Nebraska?

The average cost of renters insurance in Nebraska is $178 per year, or $15 per month.

Renters insurance is an affordable way for Nebraskans to protect their belongings. We analyzed more than 120 quotes from across the state to find the best renters coverage to fit your needs.

Cheapest renters insurance in Nebraska

Amica and Allstate also have rates cheaper than the state average of $15 per month. Farmers has the most expensive policies in the state.

Nebraska's renters insurance rates are cheaper overall than the national average cost. It costs 17% less, on average, to rent in the Cornhusker State.

Cheapest renters insurance companies in Nebraska

Methodology

Best renters insurance for most people: Nationwide

Nationwide is the best renters insurance company for most people in Nebraska. It had the lowest prices we found statewide and a good set of coverage options, too.

The average price for renters insurance from Nationwide was $12 per month. That's 21% lower than the average price statewide, saving you $32 per year. It was also $17 less per year than the second-cheapest option, Amica.

We liked Nationwide's coverage options, too. Customers can add to their policies with protections for damage from water backups, identity theft and valuable items. The company also offers replacement cost coverage, which lets you buy new items instead of older ones to replace damaged property.

The biggest disappointment with Nationwide in Nebraska is below-average customer service. The company receives more complaints than expected for a company its size, according to National Association of Insurance Commissioners (NAIC) complaint data, and middling ratings in J.D. Power's customer satisfaction survey.

Best customer service: Amica

For renters who want customer service that's easy to deal with in Nebraska, we recommend Amica. The company is well-rated in terms of satisfied customers and has rates that are cheaper than average.

Amica receives only about 12% of the customer complaints expected for a company its size and is well-rated by ValuePenguin's editors. Customer service is an important part of your insurance experience, because when an event disrupts your life, good support will reduce extra frustrations and barriers to getting things back to normal.

The typical price for coverage at Amica is $13 per month. That's 11% lower than the average statewide but still slightly more expensive than our top pick.

Coverage options are the biggest drawback with Amica: The company only offers coverage for valuable items, identity theft and replacement cost coverage. You won't be able to purchase protection for events like water backups or equipment breakdowns.

Best for older renters: Allstate

Older renters on a budget in Nebraska should take a look at Allstate. The company offers a good discount for retirees, along with cheap rates.

Allstate's average rate in the state is $13 per month, 11% cheaper than the state average overall. The company also offers an unusual discount, up to 25% off if you are 55 years old and not seeking full-time employment. If you're on a fixed income, this could be a good option.

The main drawback of Allstate is it doesn't offer some of the more common coverage options or discounts. You cannot get replacement cost or earthquake coverage, and you won't get a break on rates by being claim free or adding security devices to your home.

Nebraska renters insurance: Costs by city

Gering, which is next to Scottsbluff, has the highest rates in the state. Omaha, the state's largest city, has rates on the higher end, $188 per year, while Lincoln, Nebraska's capital, is lower, at $177 per year.

There is a very narrow range of renters insurance costs in Nebraska. The typical monthly cost of coverage varied by only $2 per month or less by city.

The cost of renters insurance can vary based on where you live. Residents of a city that frequently experiences tornadoes or flooding might pay more for renters insurance; residents of a city with very low crime rates might pay less.

Customer service: Top-rated companies in Nebraska

Both companies also received high ratings from ValuePenguin's editors, and USAA is the top company in the J.D. Power renters insurance customer satisfaction survey. However, USAA is only available to members of the military, veterans and some members of military families.

Dependable service from your renters insurance company is essential, particularly when filing a claim. Good service will mean you're paid promptly and fairly after you've filed a claim, and your questions will be answered throughout the process.

Coverage options: Comparing renters insurance policies and benefits

Every renter's coverage needs are different — some people might need extra liability protection, while others might need coverage for valuables. We looked for renters insurance companies that offer a wide range of coverage options that are likely to be useful for many renters.

Here are a few renters insurance coverage options to consider:

In addition, all the companies we considered offered the following standard coverages.

Frequently asked questions

Methodology

To find the absolute best price possible for renters insurance, we collected renters insurance quotes from five major insurers in 25 cities across the state of Nebraska. In all cases, the sample renter lives alone and has not had any recent renters insurance claims. He's protected himself with $30,000 of personal property coverage with a $500 deductible, plus $100,000 of liability protection.

To evaluate renters insurance companies in Nebraska, we considered three main criteria: affordability, coverage options and service.

To evaluate customer service, ValuePenguin combined three metrics into an overall rating out of five stars.