8 Best Renters Insurance Companies in Nebraska of 2023

While having renters insurance isn’t mandated by state law in Nebraska, it is strongly recommended because of the financial protection it provides, and many landlords do require it. Landlords often write into their rental agreement that tenants must maintain renters insurance to protect their personal property because the landlord’s property insurance doesn’t provide that protection to renters.

Fortunately, most major insurers that provide renters insurance make their policies available in larger cities in Nebraska like Omaha, Lincoln, and Bellevue and smaller cities and towns such as Grand Island, Kearney, and Fremont.

According to PropertyNest research, the average basic renters insurance cost in Nebraska is $17.92 a month.

PropertyNest has evaluated many renters insurance companies in Nebraska, and we’ve come up with what we believe are the best in some major categories, including the lowest premium, best customer service, and best discounts.

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Allstate Renters Insurance: Best For Senior Renters

Many seniors who are renters gravitate towards Allstate because of the discount they provide for retired renters aged 55+. The discount can be up to 25%, which can be helpful for senior renters living on a fixed income.

In addition to its senior discount, Allstate offers a healthy lineup of additional coverages for renters:

• Identity theft restoration: helps cover legal fees, lost wages, and other related expenses incurred while recovering your identity.
• Scheduled personal property: covers more risks to your personal property (like accidental loss) and may increase the coverage limits on specific, high-value items like jewelry or musical instruments.
• Flood insurance: Allstate offers flood insurance, which can be important to Nebraska renters living near rivers or lakes.
• Business property coverage: for those renters operating a business out of their home, this protects items used as business samples or that are for sale.

Read a full Allstate renters insurance review.

Liberty Mutual: Best Policy Discounts

Like every insurer we reviewed, Liberty Mutual offers discounts that can help you save money on your renters insurance. However, we found several of Liberty’s discounts to be unique among the renters policies we reviewed:

• Purchasing a policy online: Liberty, unlike many insurers selling renters insurance, allows you to buy a policy online. For helping keep the cost of issuing your renters insurance policy lower by not using the services of an agent, Liberty will discount your rates.
• Getting a quote before your current policy expires: it also saves Liberty Mutual money if they can underwrite your renters insurance policy before your current policy expires (if you have one) and they perceive you as being a lower risk. In consideration of this, they discount your rates.

Read a full Liberty Mutual renters insurance review.

Toggle Renters Insurance: Best for Policy Customization

Toggle is a relatively new company in the renters insurance space, having begun operations in 2018. Though that’s young in years for an insurance company, Toggle is a subsidiary of a well-known brand, Farmers, which has been around since 1928.

Toggle’s strength lies in giving the insured the ability to customize their renters insurance policy, or “Toggle Up” as the company calls it. Toggle’s basic coverage provides $1,000 of coverage for your personal belongings, $100,000 of renters liability coverage which can pay if someone sues you for injuring them or damaging their belongings, and personal injury liabilty coverage which pays for legal fees if you are sued for libel, slander, or wrongful entry.

You start to “Toggle On” when you want more than the basic level’s personal property maximum coverage of $1,000. You can raise your policy’s limits by as much as:

• Technology (phones, computers, TVs, etc.): up to $10,000
• Creative gear (musical instruments, cameras, etc.): up to $10,000
• Fashion and jewelry (jewelry, clothing, shoes, etc.): up to $10,000
• Furniture and appliances (sofas, beds, washers and dryers, etc.): up to $20,000
• Collectibles (antiques, artwork, fine wines, etc.): up to $10,000

Toggle also offers “Side Hustle” coverage to protect your equipment used in your side hustle (but not ride-share driving).

Toggle’s basic coverage also covers flood and earthquake damage in Nebraska.

Progressive: Best For Additional Coverage Options

Progressive renters insurance not only has all of the standard coverage you’d expect in a renters policy (personal property coverage, liability insurance, medical payments coverage, additional living expense), but it also has the best additional coverage of the insurers we reviewed. These options include:

• Home computer coverage: insures your computer and other related equipment (printer, modem, etc.) from damage, except for everyday wear and tear. It also covers a personal computer used for business.
• Personal liability: protects you from liability for offenses that caused personal injuries to others, such as libel, slander, invasion of privacy, wrongful entry or eviction, and false arrest.
• HomeShield package: increases your coverage limits on certain items like collectibles (comic books, trading cards, memorabilia, etc.) from $1,000 to $2,500 for theft or loss.
• Water backup and sump discharge or overflow: covers your personal property from damage caused by the overflow from a sump pump, sewer, or drain.

Progressive renters insurance also has a standard “single deductible” feature, which means you’ll only pay one deductible for losses to either your renters or auto insurance with Progressive.

Read a full Progressive renters insurance review.

Travelers: Best For Online Experience

Many Nebraska residents prefer managing their renter policy online rather than through an insurance agent. Travelers’ website makes it easy to manage your policy on their website. There, you can pay your premium, file and track claims, change your coverage limits, or have a live chat with a Travelers representative during business hours. You can also get quotes and learn the basics about how renters insurance works.

Travelers’ mobile app also comes in handy for paying your bill, setting up automatic payments, viewing policy information, and reporting and tracking claims. You can also file a claim on the website or by calling Travelers' direct claims line.

Read a full Travelers renters insurance review.

State Farm: Best For Lowest Premium

If you’re searching for ways to stretch your budget and want to have the lowest-cost renters insurance in Nebraska, State Farm will be a desirable option for you. We found their annual premium of $91 (based on a single person with a one-bedroom apartment) to be the lowest of the insurers we evaluated.

Even though State Farm has the lowest premium in the Cornhusker state, you won’t be skimping on quality. State Farm policies measure up in terms of coverage, including:

• Personal property: this includes damage from fire, smoke, and water damage, including that caused by appliances or plumbing, bad weather that Nebraska residents often face, like snow, ice, sleet, windstorms, and lightning; and crimes such as theft and vandalism.
• Liability: State Farm renters insurance protects you from a lawsuit filed by someone who suffered bodily injury or property damage while visiting you at your rental. This may include medical expenses and legal defense costs.
• Loss of use: if your apartment, condo, or home can’t be lived in because of a covered loss, State Farm will pay for living expenses such as lodging and other expenses associated with living elsewhere for up to two years.
• Medical payments to others: pays up to $1,000 per injury to someone injured while visiting you, regardless of who was at fault.

State Farm is also a top-rated insurer, earning AM Best’s highest marks for superior financial strength and claims-paying ability.

Read a full State Farm renters insurance review.

Amica Mutual: Best for Customer Service

Also competitively priced for renters insurance in Nebraska, Amica’s strength is its customer service. While Amica is sold by local agents, you’ll primarily rely on the company when it comes to managing your account and handling claims. This is where Amica shines.

Amica’s customer satisfaction ratings are very favorable. According to the National Association of Insurance Commissioners, the company received fewer complaints than expected for a company its size.

Founded in 1907, Amica also has strong financial ratings, earning superior rating from AM Best for financial strength.

Read a full Amica Mutual renters insurance review.

GEICO: Best For Availability

GEICO renters insurance is readily available in Nebraska through a vast network of brokers representing the company and other insurers. No matter where you live in Nebraska, you’ll find an agent representing GEICO.

For Nebraskans who are contemplating moving to another state, GEICO is also a good choice because the company sells renters insurance in all fifty states and Washington, D.C. This lets you take your coverage with you to another state and not have to go through the process of choosing another company, which could help you with a claim-free discount in the future.

GEICO itself does not provide you with the coverage you purchase from them. Instead, they serve as a broker with over twenty companies they partner with, including well-known companies such as Travelers and Liberty Mutual. (Note that when you buy renters insurance from GEICO, you don’t get to choose the insurer you’re matched with).

How We Selected the Best Renters Insurance Companies in Nebraska

While price is always a consideration, many other factors should be considered when purchasing renters insurance. For Nebraska, we selected insurers using five criteria we believe indicate which companies are the best for Nebraska renters.

Price

The cost of renters insurance is affected by many things, including your policy’s deductible, coverage limits, your past claims experience as a renter, and your credit history. Regardless of how much coverage you need, we recognize that the rising cost of renting and inflation make keeping costs down a priority. In selecting the best insurance companies for renters insurance in Nebraska, we chose insurers that provide a good value at an affordable price.

Discounts

Renters insurance discounts can help reduce your premium, particularly if you can bundle other products like your auto insurance. Protective device discounts were also standard for most of the insurers we compared.

Coverage

To be protected adequately, you need to buy enough coverage to replace your belongings if they’re stolen or destroyed. For our best renters insurance in Nebraska, we prioritized insurance companies that provide excellent standard coverage, plus a selection of endorsements and add-ons to help you customize your coverage.

Customer Support

Filing a renters insurance claim can be stressful and time-consuming, and low premiums are not a substitute for the lack of customer support when you need it most. We selected insurers with multiple support layers to qualify for our list, including online customer portals, mobile apps, or 24/7 phone support.

Technology

Technology plays an increasingly important role in purchasing and service insurance policies. Many insurers are scaling back on the number of agencies they have to reduce costs and meet customer demand for online sales and service. Because of this, we highlighted companies with up-to-date websites, mobile apps, and online customer support.

Conclusion

When it comes to renters insurance, Nebraskans want the best coverage they can find at an affordable rate. All of the insurers we reviewed here are financially sound and offer top-tier, comprehensive coverage. But you may find that one company meets your needs better than the others. The editors of PropertyNest are confident that whichever company you choose will provide you with the peace of mind and financial security you’re looking for.