No matter where you call home in the Cornhusker State, you can find great home insurance coverage, from Omaha to Scottsbluff and everywhere in between. Whether you’re looking to switch providers or are purchasing your first home (congratulations!), you’ll want to keep reading to find out everything you should know about home insurance coverage, from cost to policy types, and more.
After all, great coverage at an affordable rate means more money back in your pocket for weekend trips to Flatwater Lake or visiting the Lied Jungle, and who can say no to that?
Let’s dive into how to find the best homeowners insurance in Nebraska.
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If you live in Nebraska, you know that most of the state falls within Tornado Alley. This refers to a corridor in the U.S. that is particularly prone to tornadoes. This means that home insurance is critical, because a tornado can cause all kinds of unwanted damage, from torn roofs to broken windows and more.
But that’s not all. Nebraska also experiences heavy rains, thunderstorms, and flooding. Flooding is typically excluded from home insurance, so it may be worthwhile to purchase separate flooding insurance, depending on where you live.
And of course, tornados and flooding can wreak damage like nothing else, so be sure that your coverage limits are enough to properly repair your home and replace your belongings if needed, so that you can get back to normal as soon as possible should something happen.
Next, we’ll explore the home insurance coverage types available to you in the Cornhusker State.
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Some people mistakenly assume their home is covered for anything that happens to it, but unfortunately, that’s not the case. Your home insurance policy will work on a named peril or open peril basis:
An open peril policy offers you more coverage, but can be more expensive as a result. The good news is that a standard home insurance policy is fairly comprehensive in its coverage. Named perils typically include:
Knowing what you’re covered for is important, but what you’re not covered for is just as important. Excluded perils typically include:
You can purchase separate flooding or earthquake insurance if you live in an area prone to them. Note that it’s important to keep up general maintenance on your home, as neglect could be a reason for an insurance provider to deny your claim.
For example, if your roof caves in after a snow storm but they determine the root cause was that your roof badly needed replacing, your claim could be denied and you would be left to foot the bill for repairs.
Great coverage is key for home insurance, but cost is an important factor. The good news is that home insurance can be more affordable than you might think, and there are always ways to find savings.
To give you an idea, the average cost for $250,000 in dwelling coverage racks up to $2,951 a year in Nebraska. If this sounds high, it’s because it is: it’s more than double the national average for home insurance.
This could be in part due to the high frequency of tornadoes, extreme winter weather, and wildfires in the state. Your costs will depend on a number of factors, like your home’s size, age, location, and more, so you may end up paying less than the state’s average.
Luckily, there are tried-and-true ways to save on home insurance in Nebraska. Keep reading for those and more.
In the meantime, go ahead and get access to free quotes here and find out how much you can expect to pay for home insurance in Nebraska.
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Homeowners insurance is critical, especially in a state like Nebraska that faces wildly fluctuating weather that can wreak havoc on a home. But not having a choice about having home insurance doesn’t mean you have no control over costs. Here are some of the ways you can save on your home insurance costs:
You’re in control of your savings. Some of these tips are quick fixes, while others take time to see noticeable savings, but they do add up. You don’t have a choice about having insurance, but you do have a choice when it comes to how much you spend.
Pro tip: If you’re upgrading to a home (or a bigger home) with a wee one on the way, chances are you’re looking to find savings wherever you can and saving on home insurance will definitely help. Get our free financial guide for new parents here to find even more ways to pad your wallet before the little one arrives.
You deserve the best home insurance money can buy, and you deserve to also not have to spend an arm and a leg on it. Luckily, it’s easier to find than you think, even in The Beef State. To find the best homeowners insurance in Nebraska, start by getting access to free quotes here. You’ll be able to start your research into policies and discounts so that you can find the best coverage and rates for your needs.
We’ve got you covered.
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Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
