Nebraska Home Insurance at a Glance
For the same house, homeowners insurance in Nebraska averaged $4,444 a year ($370 a month) across the 4 insurers we compared, 43.3% above the average of the 50 states and D.C. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.
For the same home, prices among the 4 insurers we compared ranged from $333 to $420 a month, an $87-a-month gap for identical coverage. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Nov. 2, 2026
Nebraska home insurance: key numbers
- Home
- $4,444/yr $370/mo
- Renters
- $228/yr $19/mo
- Condo
- $364/yr $30/mo
How much is homeowners insurance in Nebraska?
Homeowners insurance in Nebraska averages $370 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are Allstate, State Farm, American Family and Farmers Mutual of Nebraska, and each one priced our sample home in all 85 Nebraska ZIP codes in our data, which span 30 counties. For this house, Nebraska is the 8th most expensive of the 50 states and D.C.
Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.
For the same insurers and ZIP codes, the Nebraska average fell 2.6% since Nov. 2025, from $4,564 a year ($380 a month) on Nov. 30, 2025, to $4,444 ($370) on Sept. 30, 2026, as American Family’s fell 9.7%, Allstate’s didn’t change and Farmers Mutual of Nebraska’s didn’t change.
Homeowners insurance averages by insurer in Nebraska for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Allstate | $333 | $3,995 |
| State Farm | $355 | $4,256 |
| American Family | $374 | $4,490 |
| Farmers Mutual of Nebraska | $420 | $5,035 |
Allstate averaged $333 a month ($3,995 a year), State Farm $355 ($4,256), American Family $374 ($4,490) and Farmers Mutual of Nebraska $420 ($5,035) for our sample home.
Same sample home: each insurer’s average yearly price in the same Nebraska ZIP codes, Nov. 30, 2025 and Sept. 30, 2026
| Insurer | Nov. 30, 2025 (per year) | Sept. 30, 2026 (per year) | Change |
|---|---|---|---|
| Allstate | $3,995 | $3,995 | No change |
| Farmers Mutual of Nebraska | $5,035 | $5,035 | No change |
| State Farm | $4,256 | $4,256 | No change |
| American Family | $4,971 | $4,490 | −9.7% |
All 4 insurers in the table priced the same 85 Nebraska ZIP codes on both dates.
By ZIP code: each insurer’s yearly price for the same house changed with the Nebraska address:
- Allstate ran from $2,963 to $7,486 a year by ZIP code and priced all 85 Nebraska ZIP codes in our data.
- State Farm ran from $3,761 to $4,930 a year by ZIP code and priced all 85 Nebraska ZIP codes in our data.
- American Family ran from $3,915 to $5,760 a year by ZIP code and priced all 85 Nebraska ZIP codes in our data.
- Farmers Mutual of Nebraska ran from $4,317 to $6,895 a year by ZIP code and priced all 85 Nebraska ZIP codes in our data.
Who has the cheapest homeowners insurance in Nebraska?
Allstate had the lowest home average for our sample home of the insurers anyone can buy from, $333 a month ($3,995 a year), 6.1% below State Farm’s $4,256 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.
What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Nebraska, ZIP code averages for this house ran from $324 a month in South Sioux City to $475 in Holdrege, while insurers’ statewide averages ran from $333 to $420.
NebraskaRates as of Sept. 30, 2026
Nebraska Home Insurance Cost Calculator
Same sample home and coverage in all 85 Nebraska ZIP codes we priced, from insurers’ filed rates. Only the insurer and the ZIP code change.
In Nebraska, our sample house costs $370 a month ($4,444 a year) on average across 85 ZIP codes and 4 insurers. Rates as of Sept. 30, 2026.
| Insurer | A month | A year | ZIP codes priced |
|---|---|---|---|
| Allstate | $333 | $3,995 | 85 |
| State Farm | $355 | $4,256 | 85 |
| American Family | $374 | $4,490 | 85 |
| Farmers Mutual of Nebraska | $420 | $5,035 | 85 |
Our sample houseSame in every ZIP code, so only the price changes
- 2,000 sq ft, two-story
- Frame house, composition roof
- Built in 1997
- $300,000 dwelling coverage
- $300,000 liability
- $1,000 deductible
- 2% hurricane deductible where used
- Owner 40, good credit, no claims in 10 years
Sample prices built from insurers’ filed rates, not quotes or offers.
- Lowest and highest ZIP code averages: 68776 (South Sioux City) at $324 a month and 68949 (Holdrege) at $475 a month.
- Not in these numbers: some prices from Farm Bureau Financial Services for this policy carry an insurer note we’re still reviewing, so they stay out until we decide, and we don’t name a lowest price here.
Try a ZIP code:
- Same sample policy in every ZIP code
- Insurers’ filed rates as of Sept. 30, 2026
- Sample prices, not quotes or offers
How we priced this
We priced one sample policy per type. House: a 2,000-square-foot, two-story frame house with a composition roof, built in 1997, with $300,000 in dwelling coverage, $300,000 liability, a $1,000 deductible and a 2% hurricane deductible; a 40-year-old owner with good credit and no claims in 10 years. Condo: a condo policy with $60,000 of condo coverage, $300,000 liability and a $1,000 deductible (building built in 2005); a 40-year-old owner with good credit and no claims. Renters: a renters policy with $40,000 for your belongings, $300,000 liability and a $1,000 deductible; a 40-year-old renter with good credit and no claims. For each insurer and ZIP code we use the lowest price it returned that can actually be bought; a ZIP code’s average is the average of its insurers, and the Nebraska average is the average of its ZIP codes, so each ZIP code counts once.
When one insurer’s lead over the next is under 5% or over 30%, we name the two lowest instead of one. Insurers that sell only to members (USAA, AAA clubs) are labeled and never called the lowest price anyone can buy.
Your ZIP code matters
Where is home insurance cheapest in Nebraska? Costs by city
For the same house, Lincoln has the lowest average of the cities in the table with at least 5 ZIP codes, $348 a month, and Omaha the highest, $361, 2.5% below the state average. 1 more city has only 3 or 4 ZIP codes in our data and is marked as small samples.
Same sample home: average home insurance prices in 3 Nebraska cities (rates as of Sept. 30, 2026)
| City | Per month | Per year | vs. state |
|---|---|---|---|
| Bellevue 3 ZIP codes, small sample | $331 | $3,976 | −10.5% |
| Lincoln 15 ZIP codes | $348 | $4,177 | −6.0% |
| Omaha 29 ZIP codes | $361 | $4,332 | −2.5% |
| Nebraska 85 ZIP codes | $370 | $4,444 | Baseline |
Each city covers the ZIP codes in our data with that city as their main mailing address; small sample means fewer than 5 ZIP codes.
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
68776
South Sioux City (Dakota County)
$324/mo
$3,893 a year
Highest
68949
Holdrege (Phelps County)
$475/mo
$5,701 a year
Of the 85 Nebraska ZIP codes we priced, Holdrege’s 68949 had the highest average for our sample home, about 1.5 times that of the lowest, 68776 in South Sioux City.
The five highest-priced ZIP codes are 68949 in Holdrege ($475 a month), 68845 in Kearney ($467 a month), 68818 in Aurora ($456 a month), 68801 in Grand Island ($452 a month) and 69001 in Mc Cook ($444 a month).
The five lowest-priced ZIP codes are 68776 in South Sioux City ($324 a month), 68128 in La Vista ($328 a month), 68147 in Bellevue ($329 a month), 68133 in Papillion ($330 a month) and 68138 in Omaha ($330 a month).
Same house, different state: how does Nebraska compare?
Of Nebraska’s 6 neighbors, 1 has a higher average for the identical house and 5 a lower one: Nebraska’s $370 a month compares with $148 in Wyoming and $432 in Missouri.
Same sample home: average home insurance prices in Nebraska, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)
| Place | Per month | Per year | Nebraska vs. this place |
|---|---|---|---|
| Nebraska | $370 | $4,444 | Baseline |
| Wyoming | $148 | $1,778 | +150.0% |
| Iowa | $301 | $3,608 | +23.2% |
| Kansas | $313 | $3,755 | +18.4% |
| South Dakota | $313 | $3,756 | +18.3% |
| Colorado | $361 | $4,333 | +2.6% |
| Missouri | $432 | $5,187 | −14.3% |
| Average of the 50 states and D.C. | $258 | $3,101 | +43.3% |
Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.
Of the other 49 states and D.C., 43 have a lower average for this house than Nebraska and 7 a higher one.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
What does a Nebraska homeowners policy cover?
A standard homeowners policy pays to repair or rebuild after covered damage such as fire, lightning, wind and hail, theft and some water damage from burst pipes; flood and earthquake damage need separate coverage. All six coverages below are inside the $4,444-a-year Nebraska average for our sample home.
- Dwelling ($300,000): the house itself, from the foundation to the roof.
- Other structures ($30,000): a detached garage, carport, fence or shed.
- Personal property ($150,000): furniture, clothes and electronics.
- Loss of use ($30,000): a rental and other extra costs while repairs keep you out.
- Personal liability ($300,000): legal defense and damages if you’re responsible for someone’s injury or property damage.
- Medical payments ($5,000): smaller medical bills for a guest hurt at your home.
Say a storm damages the roof and the repair costs $15,000. With the $1,000 deductible we priced, the policy would pay up to $14,000. With a 2% wind and hail deductible on the same $300,000 house, you’d pay the first $6,000 instead, and the policy up to $9,000.
How much is homeowners insurance on a $300,000 house in Nebraska?
For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Nebraska averages $370 a month ($4,444 a year) across the 4 insurers we compared in 85 ZIP codes (rates as of Sept. 30, 2026). That’s 43.3% above the $258-a-month average of the 50 states and D.C. for the same house. Insurers’ averages for that same house ran from $333 to $420 a month.
Is $400 a month a lot for home insurance in Nebraska?
$400 a month is 8.0% above our sample home’s $370-a-month Nebraska average; Nebraska is the 8th most expensive of the 50 states and D.C. for this house. 3 of the 4 insurers we compared averaged under $400 for the same house: Allstate ($333), State Farm ($355) and American Family ($374). If a quote for your home is near $400, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
Why your Nebraska quote may differ from these prices
Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.
Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.
Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Nebraska quote above the $370 a month our claim-free, good-credit owner averages.
Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.
What is the 80% rule in homeowners insurance?
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
Why is homeowners insurance so expensive in Nebraska?
For our sample house, Nebraska is the 8th most expensive of the 50 states and D.C. That’s 43.3% above the $258-a-month average of the 50 states and D.C. Insurers’ Nebraska averages for the same house ran from $333 to $420 a month. Our figures don’t separate causes; these official records show what Nebraska homes face.
A 7-inch hailstone, a U.S. record at the time, fell in Aurora, Nebraska, on June 22, 2003, the National Weather Service reported.
Nebraska’s Department of Insurance suggests asking insurers what discounts they offer and which upgrades qualify, such as Class 3 or Class 4 hail- and wind-resistant roofing; discounts aren’t guaranteed.
How do wind and hail deductibles work in Nebraska?
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real Nebraska policies may use a separate wind and hail deductible, so ask for yours.
The Nebraska Department of Insurance tells homeowners to check whether each deductible on a policy is a dollar amount or a percentage.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $4,444 a year that house averages in Nebraska.
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
How to find cheaper home insurance in Nebraska
For our sample home, Nebraska insurers’ statewide averages ran from $3,995 to $5,035 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.
Compare at least three insurers: even one insurer’s price moves a lot by address: Allstate’s for our sample home ran from $2,963 to $7,486 a year depending on the Nebraska ZIP code.
Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 16 months of Nebraska’s $370-a-month average premium).
Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.
Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.
Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.
Guard a clean record: our sample owner has no claims in 10 years, and the $370-a-month Nebraska average assumes that clean record; a recent claim can raise a quote.
What if an insurer won’t renew your Nebraska home?
Nebraska requires at least 60 days’ notice before an insurer doesn’t renew a homeowners policy, the Nebraska Department of Insurance says. Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Nebraska Department of Insurance at 402-471-2201.
In our data, every insurer we compared priced our sample home in all 85 Nebraska ZIP codes.
Got a nonrenewal notice?
- Note the date your coverage ends and start shopping now.
- Get quotes from at least three insurers (we compared 4 in Nebraska, from $333 to $420 a month for the same house), or ask a licensed agent to compare them for you.
- If the notice looks wrong, call the Nebraska Department of Insurance at 402-471-2201.
Ready to compare
How much is renters insurance in Nebraska?
Renters insurance for our sample renter averages $19 a month ($228 a year) in Nebraska. For our sample renter, prices among the 3 insurers we compared ranged from $11 to $26 a month, a $15-a-month gap for the same coverage.
Renters insurance averages by insurer in Nebraska for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $11 | $129 |
| American Family | $20 | $240 |
| Farmers | $26 | $315 |
State Farm averaged $11 a month ($129 a year), American Family $20 ($240) and Farmers $26 ($315) for our sample renter.
We don’t name a lowest renters insurer in Nebraska (the methodology explains when we do); the renters table above lists every insurer’s average for the same renter, from $11 to $26 a month.
Nebraska’s renters average is the 21st least expensive of the 50 states and D.C., 10.9% below their average of $21 a month ($256 a year). Our sample renter’s policy costs about 5% of what our sample home costs to insure in Nebraska.
For the same insurers and ZIP codes, the Nebraska renters average rose 2.0% since Nov. 2025, from $224 to $228 a year, as Farmers’ rose 4.4%, American Family’s didn’t change and State Farm’s didn’t change.
By ZIP code, the Nebraska renters average for our sample renter ran from $18 a month in Omaha (68135) to $20 in Omaha (68154).
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 255 sample prices by 3 insurers across 85 Nebraska ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
What does renters insurance cover in a Nebraska apartment?
Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Nebraska, that package averages $19 a month; flood and earthquake damage need separate coverage.
How we got these renters prices: each insurer’s average across the 85 Nebraska ZIP codes in our data. Sample prices, not quotes or offers.
How much is condo insurance in Nebraska?
Condo insurance for our sample condo averages $30 a month ($364 a year) in Nebraska. For our sample condo, prices among the 4 insurers we compared ranged from $20 to $58 a month, a $38-a-month gap for the same coverage.
Condo insurance averages by insurer in Nebraska for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $20 | $234 |
| Allstate | $21 | $252 |
| Farmers Mutual of Nebraska | $23 | $277 |
| American Family | $58 | $694 |
State Farm averaged $20 a month ($234 a year), Allstate $21 ($252), Farmers Mutual of Nebraska $23 ($277) and American Family $58 ($694) for our sample condo.
We don’t name a lowest condo insurer in Nebraska (the methodology explains when we do); the condo table above lists every insurer’s average for the same condo, from $20 to $58 a month.
American Family’s condo average is about 2.7 times the other insurers’ average; without it, Nebraska’s condo average would be $21 a month ($254 a year).
Nebraska’s condo average is the 14th least expensive of the 50 states and D.C., 24.3% below their average of $40 a month ($481 a year). Our sample condo’s policy costs about 8% of what our sample home costs to insure in Nebraska.
For the same insurers and ZIP codes, the Nebraska condo average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $30 a month on both dates.
By ZIP code, the Nebraska condo average for our sample condo ran from $30 a month in Scottsbluff (69361) to $31 in Omaha (68154).
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
- $60K unit coverage
- $60K belongings
- $1,000 deductible
- Built 2005
Which part of a Nebraska condo is yours to insure?
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $30 a month in Nebraska.
What to check with your HOA before you buy condo insurance
- The master policy: ask the association or manager for its certificate of insurance and declarations page.
- Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
- The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
- Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).
You may also want to compare: car + home insurance in Nebraska
Many Nebraska homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See Nebraska car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in Nebraska
How much is home insurance in Nebraska?
For the house we priced, Nebraska averages $4,444 a year ($370 a month) across the 4 insurers we compared and 85 ZIP codes, with rates as of Sept. 30, 2026. By ZIP code, the average runs from $324 a month in South Sioux City to $475 in Holdrege, so your address matters.
Which Nebraska city has the cheapest home insurance?
Of the Nebraska cities in our table with at least 5 ZIP codes, Lincoln had the lowest average for our sample home, $348 a month, and Omaha the highest, $361.
How much is insurance on a $300,000 home in Nebraska?
Our sample home is insured for $300,000 of dwelling coverage, and it averages $370 a month ($4,444 a year) in Nebraska across 85 ZIP codes. That’s about $14.81 a year per $1,000 of dwelling coverage, though premiums don’t rise in step with the limit, so quote your own rebuilding cost.
How do I get homeowners insurance quotes in Nebraska?
Enter your ZIP code in any quote box on this page to compare free homeowners insurance quotes for your Nebraska address. Get at least three: for our sample home, the 4 insurers anyone can buy from that we compared averaged $333 to $420 a month in Nebraska.
Why is Nebraska home insurance so high?
Our sample house costs $370 a month to insure in Nebraska, 43.3% more than the $258-a-month average of the 50 states and D.C. Our prices don’t show each insurer’s reasons, but the insurer you pick matters: for the same Nebraska house, they ranged from $333 to $420 a month.
How much is insurance on a $400,000 house in Nebraska?
We priced a $300,000 dwelling, not $400,000. For that house, Nebraska averages $370 a month. A $400,000 house usually costs more to insure, so get quotes for your own rebuild cost, and remember the 80% rule.
Does Nebraska home insurance cover wind and hail damage?
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Some insurers use a separate percentage deductible for wind and hail, so work out what yours means in dollars; on our $300,000 sample house, 2% is $6,000, or $1,556 more than a year of the Nebraska average premium for that house.
Is flood damage covered by home insurance in Nebraska?
No. A standard Nebraska home or renters policy doesn’t cover flooding. You can buy it through federal flood insurance (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so don’t wait for a storm warning.
Are Nebraska home insurance rates going up in 2026?
For the house we priced, the Nebraska average fell 2.6% for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026, to $370 a month. Your own renewal depends on your insurer, your home and your claims.
What does renters insurance cost in Nebraska?
Our sample renter, insuring $40,000 of belongings with $300,000 liability, pays an average of $19 a month ($228 a year) in Nebraska across the 3 insurers we compared.
What does condo insurance cost in Nebraska?
Our sample condo, with $60,000 of unit coverage and $60,000 for belongings, averages $30 a month ($364 a year) in Nebraska across the 4 insurers we compared.
Who regulates home insurance in Nebraska?
The Nebraska Department of Insurance licenses insurers, oversees their rates and forms, and helps consumers with complaints about claims and nonrenewals. Its consumer line is 402-471-2201.
Official resources for Nebraska homeowners
- Nebraska Department of Insurance Consumer help, complaints and licensed insurers. Consumer line: 402-471-2201.
- National Weather Service The National Weather Service event summary (June 22, 2003).
- National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
How we calculated these prices
We priced the same house with 4 major insurers, and the same apartment and condo with 3 and 4, in each of the 85 Nebraska ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Nebraska figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
Full details
The homes we priced
- Home (HO-3, a standard homeowners policy): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible for covered losses other than a hurricane. Our home price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6, a condo unit-owner policy): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state’s price requests, so differences between ZIP codes come from how each insurer prices that ZIP code.
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 340 sample prices from 4 insurers across 85 ZIP codes in 30 counties. Renters: 255 from 3 insurers. Condo: 340 from 4 insurers. Nebraska here means the 85 Nebraska ZIP codes in our rate data; cities group them by main post-office city.
Insurer notes: we review every note an insurer attaches to a price before publishing.
- Farm Bureau Financial Services’ renters prices in 85 ZIP codes, condo prices in 85 ZIP codes and home prices in 85 ZIP codes are left out: they carry an insurer note we are still reviewing, so they stay out of our averages until we decide.
- Farmers Mutual of Nebraska’s renters prices in 85 ZIP codes are left out: the quote tool said that policy needs an owner-occupied home, so it doesn’t fit our sample renter.
Comparisons: neighboring-state figures use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: Nebraska Department of Insurance, National Weather Service, National Association of Insurance Commissioners, FEMA, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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- About the Author
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
