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Home Insurance and Car Insurance in Nebraska
Whether you live in suburban Omaha, downtown Lincoln or in one of the many small towns that dot the Nebraska landscape, shopping for home insurance and auto insurance is a big priority. Finding affordable coverage that protects your home, your belongings and your vehicles means comparing quotes from several insurance companies at once.
Even if the process feels overwhelming, there’s time to be saved and discounts to be found. Let SelectQuote help guide you through the process of shopping for and bundling your home and auto insurance coverage to help you save time and money.
Homeowners Insurance in Nebraska
Whether your home sits on a small lot or several acres, a home insurance policy can protect you from financial disaster in the event of an accident or natural catastrophe. Nebraska’s location makes it susceptible to stormy springs and bitterly cold winters, which makes buying homeowners insurance coverage an absolute necessity.
Homeowners Insurance Coverage Options in Nebraska
Pricing may differ from company to company when it comes to home insurance policies, but most companies cover many of the same named (and sometimes unnamed) perils. These protections can include damage from heavy wind, fire, fallen trees and even theft. Most policies will include the following types of home insurance coverage:
- Dwelling coverage: This type of coverage protects the structure of your home, including the roof, walls and windows.
- Personal property coverage: This covers the contents of your home, including furniture, appliances and clothing. In many cases, this protection extends outside of your home.
- Other structure coverage: This type of coverage protects sheds, detached garages and other buildings on your property.
- Liability coverage: This coverage protects and defends against lawsuits filed by other people if they’re injured on your property or if you damage their personal property.
- Guest medical protection: This coverage pays for medical expenses for a person who is injured on your property.
- Additional living expenses coverage: This pays for living expenses that are incurred if your home is rendered uninhabitable after a covered loss. It can even include food, lodging and use of a laundry facility.
Common Causes of Loss in Nebraska
If you’re worried about storms in Nebraska, you’re not alone. Tornadoes, hail and strong winds account for significant numbers of Nebraska home insurance claims. And while many of these weather events are covered as part of typical home insurance policies, you’ll want to make absolutely certain you understand the limits of your home insurance policy.
Additional Coverage Options Recommended for Nebraska Homeowners
Due to the significant rainstorms Nebraska experiences, you may want to opt into other types of home insurance coverage, particularly flood coverage. Most home insurance policies do not include flooding as a listed peril on their policies, meaning additional flood insurance through either your carrier or the National Flood Insurance Program may be a good idea. Other forms of coverage you may want to explore include:
- Additional personal property coverage: If you own several expensive items in your home, such as jewelry, antiques, heirlooms or artwork, buying additional property coverage—called scheduled personal property insurance—might be a valuable addition to your policy.
- Dwelling replacement cost coverage: Many insurance policies provide coverage for an actual cash value of the property or dwelling named in the policy. With replacement cost coverage, you’re eligible for full replacement and rebuilding to its original condition without worrying about depreciation.
- Water backup coverage: If drains, sewer lines or sump pumps that can’t keep up with heavy rains end up backing up into your home, water backup coverage can help cover the costs of repair.
- Seepage and leakage coverage: This endorsement or addition can cover damage from water seepage through cracks or slow leaks.
- Wind and hail coverage: While most insurance policies cover some degree of wind and hail coverage, your insurance company may offer additional coverage for areas where wind and hail are prominent causes of loss.
Our Home Insurance Partners in Nebraska
SelectQuote partners with several nationally known and trusted home and auto insurance companies to provide Nebraska residents with insurance policies to meet their needs. Whether you’re shopping for your first insurance policy or want to compare prices from several companies at once, we can help.
What is the average home insurance cost in Nebraska?
Home insurance rates in Nebraska largely depend on different factors, but you can reliably count on your home’s age and current value as primary drivers of your rates. Other determining factors for insurance premiums include:
- Your home’s location
- Your credit rating
- Condition of your home
- Claims history
- Presence of known hazards, such as swimming pools, hot tubs and dangerous dog breeds
The average home insurance cost in Nebraska for SelectQuote customers each month is $132.79.**
Homeowners Insurance Discounts in Nebraska
Worried about high home insurance premiums? It’s possible to purchase insurance with significant discounts when you shop around for coverage. In addition to comparing rates from several companies, you can look for other opportunities to save. Most home insurance companies offer discounts on your premiums for many reasons, including:
- Choosing a higher deductible
- Making updates for disaster preparedness
- Installing home security systems and devices
- Having good credit
- Customer loyalty
- Bundling your home and auto insurance coverage together
Bundle Your Home and Auto Insurance to Save Money
When you bundle your home insurance with your auto insurance, you can save a significant amount of money on your coverage. In many cases, you can see savings of up to $757* per year. Most insurance carriers offer this discount, so it makes sense to compare bundled rates from different companies.
Average Home and Auto Insurance Rates in Nebraska
The rates listed below are average home, auto and bundled insurance policy rates paid by real SelectQuote customers. What you pay for home and auto insurance will vary by your ZIP code, credit rating, age, condition of your home or vehicle and other factors.
|City||Avg. Monthly Home Insurance Rate||Avg. Monthly Auto Insurance Rate||Avg. Monthly Rate of Bundled Policies|
Average monthly rates are from policies by SelectQuote customers prior to 01/2022
Nebraska Car Insurance
Nearly 1.4 million licensed drivers call Nebraska home, and car ownership numbers are even higher with almost 2.4 million vehicles on the road.1 Given that auto insurance is a requirement for Nebraska drivers, finding affordable coverage for those cars, trucks and RVs is an important part of vehicle ownership. Auto insurance serves many functions, but the most important one is to protect you from liability if you’re found to be at fault in a car accident.
Nebraska Auto Insurance Laws and Requirements
Nebraska requires all drivers to carry several key types of auto insurance coverage. This liability insurance serves two functions: to pay for medical bills or funeral expenses resulting from accidents and to cover the costs of property damage after a collision where you’re found at fault. Insurance types required by the state include:
- Bodily injury liability coverage pays for medical expenses and funeral costs related to a vehicle accident. Nebraska requires you to have at least $25,000 in coverage per person and $50,000 per accident.
- Property damage liability coverage pays for property damage resulting from an accident where you are at fault. You are required to have $25,000 in coverage.
- Uninsured motorist bodily injury coverage pays for injuries related to an accident where another driver is at fault and does not have auto insurance. Minimum coverage required is $25,000 per person and $50,000 per accident.
- Underinsured motorist bodily injury coverage pays the difference between your medical and property loss costs and the insurance limits of an underinsured driver found to be at fault in an accident. The minimum amount of coverage required is $25,000 per person and $50,000 per accident.
In addition to the required minimum legal insurance coverage, drivers may opt to purchase additional insurance. When leasing or financing a new car, the company funding your loan may require you to purchase:
- Comprehensive coverage, which pays for damage or losses as a result of fallen objects, theft, animals, fire or storm damage.
- Collision coverage, which protects your vehicle and pays for repairs or replacement when your vehicle is involved in a collision with another vehicle or a stationary object.
- Gap insurance, which pays the difference between what your car is currently worth and what you owe on the remaining balance of the loan.
|Types of Coverage||Minimum Coverage Nebraska Requires|
|Bodily Injury Liability Coverage||$25,000 per person, $50,000 per accident|
|Property Damage Liability Coverage||$25,000 per accident|
|Uninsured/underinsured Motorist Coverage||$25,000 per person, $50,000 per accident|
|Comprehensive Coverage||Not required|
|Collision Coverage||Not required|
|Gap Insurance||Not required|
Nebraska Teen Driving Laws
Like other states, Nebraska requires all drivers—including teen drivers—to carry auto insurance in order to operate a vehicle. But it also has limitations on driving behavior based on age and skill. This graduated license system allows teen drivers to learn the skills and behaviors necessary to safely operate a motor vehicle.2 Teen drivers begin with either a School Learner’s Permit (LPE) or a Learner’s Permit (LPD) at age 15.
Teen drivers can then graduate to a Provisional Operator’s Permit (POP) at 16 years of age. This license allows them to drive unsupervised with no more than one passenger who isn’t a family member for the first six months. They may also drive anytime with licensed drivers who are at least 21 years old. At age 17, drivers are eligible for an unrestricted driver’s license if they’ve held a POP for a year and have fewer than 3 points (violations) on their license in the past year.
Nebraska Car Registration Information
Nebraska also requires drivers to surrender Proof of Financial Responsibility when registering a vehicle. This can take several forms, but the most common is a certificate of insurance showing the proper level of minimum legal coverage, but other forms can include bonds, property bonds, certificates of deposit or a certificate of self insurance.
What is the average car insurance cost in Nebraska?
Car insurance rates in Nebraska can depend on several factors, but the primary drivers of cost for most consumers include:
- Your insurance deductible, as higher deductibles can lead to lower premiums.
- Your credit rating
- The make, model and year of your vehicle
- The area in which you live
- Your vehicle’s total annual mileage
- How often and why you use your vehicle
- Your driving history and number of claims
The average car insurance cost paid by SelectQuote customers in Nebraska is $224.87 per month.*** It’s possible to save money on your insurance coverage by shopping for discounts, including for safe driving, customer loyalty and comparison shopping among different insurance companies.
Nebraska Car Insurance Companies
SelectQuote helps Nebraska insurance shoppers by partnering with trusted carriers in every state. By comparing rates and discounts from these auto insurance companies, we help you find the most competitive price and discounts available for your unique needs.
Nebraska Home and Auto Insurance Frequently Asked Questions
Shopping for home and auto coverage for your Nebraska needs isn’t complicated, but we do hear some questions pretty frequently. Let’s look at some of the common questions people have about buying their home and auto insurance coverage.
How do I shop for insurance in Nebraska?
When shopping for home and auto insurance in Nebraska, the rules are usually the same for both policies: determine the required amount of coverage, get quotes from several companies at once and shop for available discounts.
How do I shop for home insurance in Nebraska?
When shopping for home insurance in Nebraska, know exactly what kind and how much coverage you need:
- Take a personal inventory of your property (both your home and its contents) and do your best to find its current value and what it would cost to replace it.
- Your personal inventory can inform your total policy amount as well as help uncover any ancillary coverage (such as full replacement value) that you need.
- Don’t forget to compare rates from several companies at once and ask about any available discounts—including for bundling your coverage!
How do I shop for auto insurance in Nebraska?
Buying auto insurance is required in Nebraska, but that doesn’t mean you should settle for the cheapest rates possible. Insufficient coverage could end up costing you more in the long run.
Before you buy an auto insurance policy, understand exactly what coverages are required.
- Determine the minimum necessary coverage.
- Add on any extra coverage (comprehensive, collision, gap, etc.) you may need.
- Compare quotes from several companies at once.
- Ask about any and all available discount options.
Can I buy RV insurance in Nebraska?
You may buy RV insurance for your motorhome, RV or camper in Nebraska. RV insurance is different from traditional auto insurance and can cost significantly more depending on the type of RV you’re insuring. Class A RVs, for example, tend to cost more to insure than Class C vehicles. The good news is that RVs don’t require a special license to drive—your existing driver’s license is sufficient.
Do you need boat insurance in Nebraska?
Nebraska doesn’t require you to buy insurance for your boat, but it’s still recommended because a boat is a significant investment.3 If you’re worried about the cost of boat insurance, consider taking safety or skills classes. In some cases, your insurance company may offer a discount for attending these classes. You can also bundle your boat coverage with other home and auto insurance for additional savings.
SelectQuote Can Shop Nebraska Home or Auto Insurance to Help Save You Time and Money
Whether you’re shopping for your first home and auto insurance policy or are looking for ways to save on existing coverage, SelectQuote can help you find affordable insurance for your Nebraska home or vehicle. We compare quotes and look for applicable discounts from several insurance companies at once.
Let SelectQuote help you save on your home and auto insurance coverage today.