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Nebraska Home Insurance

The life you’ve built in Nebraska is valuable and deserves protection through high-quality home insurance. The right coverage not only protects the physical structure of your home but also preserves the memories and moments that make it truly yours.

Is home insurance required in Nebraska?

Nebraska law doesn’t require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your home outright without a mortgage, it’s highly advisable to be insured. Home insurance is not a one-size-fits-all product. It should be tailored to your specific situation and needs.

Typical Nebraska homeowners insurance coverages

  • Coverage A – Dwelling:

    Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.

  • Coverage B – Other structures:

    This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage.

  • Coverage C – Personal property:

    Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a peril listed in your policy.

  • Coverage D – Loss of use:

    This covers your temporary living expenses when a covered loss makes your home unfit to live in.

  • Coverage E – Personal liability:

    This covers damage or injury to another person on their property that you’re responsible for causing. It also covers legal assistance for claims made against you.

  • Coverage F – Medical payments to others:

    This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit, deductible and exclusions, which are specified within your policy.

Your homeowners insurance won’t cover flood damages, so it helps to ensure you’re properly covered if there’s a flood. Flood insurance policies are available and are written through the federally backed National Flood Insurance Program. It’s common for mortgage companies to require flood insurance if your home is within or near a floodplain. Regardless, a flood can occur anywhere, and it’s a good idea to buy this additional coverage. 

Additional coverages in Nebraska

You may find the general coverages afforded in a basic homeowners policy don’t cover certain losses or types of property. Amica offers home insurance options in the form of policy endorsements that can fill in some of those gaps in coverage. Adding endorsements to your Nebraska homeowners insurance policy can provide valuable additional coverage tailored to your specific needs. Here are a few endorsements you might consider:

  • Special computer coverage:

    Additional protection beyond what’s included in your policy for devices against direct physical loss, like accidental damage or theft. Devices covered under special computer coverage include:

    • Desktops
    • Laptops
    • Smartphones
    • Gaming devices
    • Smart TVs

  • Identity fraud:

    Identity theft is a growing concern, and this endorsement can help cover expenses associated with restoring your identity, such as legal fees, lost wages and other related costs.

  • Water backup and sump overflow:

    Unexpected and accidental water damage, like from an appliance or burst pipe, is covered by most homeowners insurance policies. But, at the same time, they also exclude coverage for backed-up sewers and drains. This endorsement provides coverage for water that backs up through drains and sump pumps.

  • Scheduled personal property:

    If you have high-value items such as jewelry, fine art or collectibles, a basic homeowners policy may not provide sufficient coverage. With this endorsement, you can insure specific items to make sure they’re adequately covered against loss or damage.

  • Earthquakes:

    A standard Nebraska policy excludes damage caused by earth movement, including earthquakes. This endorsement would extend coverage to damage caused by an earthquake.

What affects your Nebraska home insurance rates

The location of your home is a significant factor that impacts home insurance premiums. Different areas may face varying risks and exposures that will impact your policy premium, such as your proximity to hail or tornado-prone areas. 

Your Nebraska home insurance policy should be as unique as your residence, tailored to your specific needs and circumstances. By customizing your policy to suit your needs, you can ensure your home is adequately protected. Additionally, regularly reviewing and updating your coverage can ensure that your policy reflects your current needs.

Explore Nebraska home insurance discounts for more savings

There are several ways Nebraska homeowners can save money on home insurance without compromising the quality of their coverage.1 We offer home insurance discounts for:

  • Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
  • Automatic detection devices: Insure a Nebraska home with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount. 
  • New or remodeled homes: Receive a credit when you insure a new or fully remodeled home. 
  • Claim-free: Receive a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for:

  • AutoPay: Receive a discount when you opt to pay your premium using automatic deductions. 
  • E-discount: Get a discount when you sign up to receive policy information and bills electronically. 
  • Paid in full: Save money when you pay the entire balance of your Nebraska policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle your insurance coverages for home and auto with the same insurance company. In fact, Nebraska homeowners who bundle home and auto insurance with AAmica could save up to 20% with a multiline discount.1

Facts and figures about Nebraska

Common claims in Nebraska:

Homeowners insurance typically provides coverage for many of Nebraska’s weather-related risks, subject to policy limits. Here are some common weather-related claims that Nebraska homeowners may face:

  • Roof damage: Hailstorms and wind from tornadoes and thunderstorms put stress on roofs, leading to damage. Homeowners insurance typically covers roof damage caused by wind or hail, although coverage may be subject to certain exclusions or limitations. 
  • Frozen pipes: When temperatures drop below freezing, water pipes in homes can freeze and burst, causing water damage. As long as heat in the residence was maintained, homeowners insurance typically covers damage resulting from burst pipes, including water cleanup and repairs to the affected areas.

Homeowners in Nebraska may want to consider purchasing supplemental coverage for specific risks, such as flood insurance even in areas that are not floodplains.

Fun facts about Nebraska:

  • Nebraska's official state beverage is milk, which it shares with 20 other states. However, Kool-Aid holds the designation of the official state soft drink, as it was invented in Hastings, Nebraska.2
  • Only about 10% of towns in Nebraska have over 3,000 residents.2  
  • The Henry Doorly Zoo in Omaha features one of the world's largest indoor rainforests and deserts. It spans over 150 acres for animal habitats and includes seven acres of indoor exhibits.2

How to get home insurance in Nebraska

We’re here to guide you through the process of personalizing your homeowners insurance in Nebraska. Here’s how to secure your policy in three easy ways:

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Nebraska homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, you can rest easy knowing your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful Nebraska.

Get a home insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 80 Interesting and Fun Facts About Nebraska
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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