How you're covered
Nebraska doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:
- Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
- Other structures coverage protects detached structures, such as a fence or shed.
- Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
- Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
- Medical payments to others pays for medical expenses due to a covered occurrence.
- Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
- Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.
Common claims in Nebraska
Most of the Cornhusker State lies inside the approximate boundaries of Tornado Alley, so tornado damage can be a real threat to Nebraska homes. Thunderstorms, and all the hazards they bring with them, can also be problematic. Your home insurance policy may cover damage to your home's structure and belongings caused by these events, up to your policy's limits.
Learn more about how home insurance may cover damage caused by severe weather.
Heavy rains and rising water levels in floodplains and other places have the potential to cause flooding issues for many Nebraska homes. A flood insurance policy may protect your property and belongings against flood damage.
Helping you save
Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:
- Alarm System
- Quote in Advance
- New Purchase
See more about the home insurance discounts we offer.
How much is homeowners insurance in Nebraska?
Your cost for Nebraska homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.
Are you looking to rent out a home you've purchased in Nebraska?
Fast facts about homes in Nebraska
The Arbor Lodge in Nebraska City was the home of J. Sterling Morton and later his son Joy, the founder of the Morton Salt Company. The elder Morton was the creator of Arbor Day, and the grounds of this house showcase his passion for trees.
In real life, Spencer Tracy's "Boys Town" character Father Edward Flanagan was the founder of an orphanage in an Omaha suburb that opened in 1917 for five boys. That original home is now part of the national headquarters for the Boys Town nonprofit.
There are more miles of river and more underground water reserves in Nebraska than in any other state. While Nebraska was once known as the Great American Desert, chances are your home isn't far from water.