Home Insurance and Car Insurance in Nebraska

Homeowners Insurance Coverage Options in

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

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 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

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 ?

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 $152.01.⁺

Homeowners Insurance Discounts in

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

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.

All data on average expenditures is provided by the Insurance Information Institute.

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.

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 ?

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 $127.04 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.

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.