8 Best Renters Insurance Companies in Nebraska of 2023

Find out which renters insurance companies provide the best coverage at affordable rates in Nebraska. Get tips & money-saving advice for finding the right policy.
Nebraska, Omaha

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.

Compare Renters Insurance Rates in NE

Best Renters Insurance Companies in Nebraska

  • Allstate: Best For Senior Renters
  • Liberty Mutual: Best Policy Discounts
  • Toggle Renters Insurance: Best for Policy Customization
  • Progressive: Best For Additional Coverage Options
  • Travelers: Best For Online Experience
  • State Farm: Best For Lowest Premium
  • Amica Mutual: Best for Customer Service
  • GEICO: Best For Availability

Allstate Renters Insurance: Best For Senior Renters

Editors star rating review
Editor's Rating (5 Stars out of 5)

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.

Allstate Renters Insurance Discounts

Allstate has five discounts that are available with its renters insurance:

  • Bundle discount: for having both renters and auto insurance with Allstate.
  • Safe home discount: up to a 15% discount for having a fire alarm and security system.
  • Easy pay plan: a 5% discount for setting up automatic payment of your premium.
  • 55 and retired discount: up to a 25% discount for senior retirees.
  • Claim-free discount: save up to 20% if you’ve never filed a renters insurance claim.

Allstate Renters Insurance Pros and Cons

  • Provides additional coverage for valuables such as jewelry
  • Customers can choose Actual Cash Vale or Replacement Cost Vale for personal property coverage
  • Has an online tool to help you calculate the value of your belongings
  • Lack of details on its website concerning what counts as a covered loss
  • Replacement cost coverage isn’t standard
  • Average customer satisfaction rating for claims service
How is Allstate Renters Insurance Rated?
J.D. Power (out of 1,000)837
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index2.05

Liberty Mutual: Best Policy Discounts

Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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.

Liberty Mutual Renters Insurance Discounts

In addition to the two discounts detailed above, Liberty also offers these discounts:

  • Affinity discount: you’ll pay less if your college, workplace, or professional organization participates in Liberty’s affinity discount program.
  • Claims-free discount: if you haven’t filed a renters insurance claim in the last five years before signing up for coverage.
  • Multi-policy discount: bundling your renters and auto insurance saves you money with Liberty Mutual.
  • Preferred payment discount: for enrolling in automatic bill payment.
  • Safety devices discount: when you have deadbolts, a fire extinguisher, smoke alarm, burglar alarm, or sprinkler system.

Liberty Mutual Renters Insurance Pros and Cons

  • Has seven different discounts for renters to save money
  • The website offers quick quotes and makes it easy to apply
  • Your questions can be answered online, by phone, or in person with an agent
  • Has a limited number of optional coverages
  • J.D. Power customer satisfaction score is lower than the industry average
How is Liberty Mutual Renters Insurance Rated?
J.D. Power (out of 1,000)834
A.M. Best - Financial Strength RatingA
NAIC Complaint Index2.37

Toggle Renters Insurance: Best for Policy Customization

Editors star rating review
Editor's Rating (5 Stars out of 5)

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.

Toggle Renters Insurance Discounts

Toggle offers only one discount at this time.

  • Decreasing deductible: your deductible is reduced yearly for not filing a claim the previous year.

Toggle Renters Insurance Pros & Cons

  • Policies are highly customizable
  • Optional coverage for the many people with side hustles
  • Does not yet have a mobile app
  • Limited discounts available
How is Toggle Renters Insurance Rated?
A.M. Best Financial Strength RatingA
NAIC Complaint Index0.00

Progressive: Best For Additional Coverage Options

Editors star rating review
Editor's Rating (4 Stars out of 5)

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.

Progressive Renters Insurance Discounts

Progressive has five discounts you might qualify for:

  • Secured/gated community discount: if you live in a gated community with an entrance having a 24-hour security guard or passkey access.
  • Paperless discount: for receiving documents by email.
  • Quote in advance discount: for getting a quote at least three days before your policy starts.
  • Pay in full discount: for paying your entire premium upfront
  • Bundle discount: when you have your car and renters insurance with Progressive.

Progressive Renters Insurance Pros and Cons

  • Many optional coverages are available
  • Low level of complaints
  • HomeShield package covers watercraft, business property, and theft of firearms
  • More expensive than some other top companies
  • Your renters insurance through Progressive might come from a different insurer than Progressive
How is Progressive Renters Insurance Rated?
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index1.66

Travelers: Best For Online Experience

Editors star rating review
Editor's Rating (4 Stars out of 5)

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.

Travelers Renters Insurance Discounts

Travelers’ discounts are in-line with their competitors, including:

  • Bundling: having more than one Travelers’ policy can save you 5% on your auto policy.
  • Claim-free: not submitting a claim for a specified period.
  • Protective devices: for having protective devices in your rental, including sprinkler systems, home security systems, or certain smart-home devices.

Travelers Renters Insurance Pros and Cons

  • The website and app are robust and easy to use
  • Many coverage options are available
  • Ranks low on J.D. Power home insurer rankings for customer satisfaction
  • The minimum personal property limit is $30,000
How is Travelers Renters Insurance Rated?
J.D. Power (out of 1,000)801
A.M. Best - Financial Strength RatingA++
NAIC Complaint Index3.88

State Farm: Best For Lowest Premium

Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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.

State Farm Renters Insurance Discounts

State Farm has several discounts available to renters insurance policyholders:

  • Multipolicy: you’ll save money if you bundle your renter's insurance policy with a State Farm auto insurance policy.
  • Home alert protection: you can get a discount for installing a smoke detector, burglar alarm, or home security system in your rental.

State Farm Renters Insurance Pros and Cons

  • Has a vast network of agents selling its renters insurance
  • Least expensive of the major companies we compared
  • An extensive list of add-on options
  • A limited number of discounts are offered
  • Not many additional coverage options are available
How is State Farm Renters Insurance Rated?
J.D. Power (out of 1,000)836
A.M. Best - Financial Strength RatingA++
NAIC Complaint Index1.77

Amica Mutual: Best for Customer Service

Editors star rating review
Editor's Rating (4 Stars out of 5)

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.

Amica Renters Insurance Discounts

Amica offers renters a fair number of discounts, including:

  • E-discount: a discount for signing up to receive policy information and bills electronically.
  • AutoPay discount: making your payments through automatic bank draft or debit earns a discount.
  • Multi-policy discount: you can save up to 15% by getting renters and auto insurance with Amica.
  • Loyalty discount: for staying with Amica for more than two years.
  • Claim-free discount: receive a discount for remaining claim-free for three or more years.

Amica Renters Insurance Pros and Cons

  • High customer satisfaction ratings
  • Good variety of discounts
  • Wide range of optional coverages
  • Its website lacks details concerning renters insurance coverage options
  • Loss of use is capped at 20% of the personal property limit
How is Amica Renters Insurance Rated?
J.D. Power (out of 1,000)854
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index0.32

GEICO: Best For Availability

Editors star rating review
Editor's Rating (4 Stars out of 5)

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).

GEICO Renters Insurance Discounts

Discounts with GEICO will vary based on the insurer they match you with. However, GEICO does offer this standard discount:

  • Bundle discount: you’ll receive a discount on renters insurance if you also have car insurance with GEICO.

GEICO Renters Insurance Pros and Cons

  • GEICO renters insurance is portable and available across the U.S.
  • Offers a bundle discount for having auto and renters insurance with them
  • No choice of which third-party insurance company GEICO matches you with
  • You must file claims with your third-party insurer rather than GEICO
How is GEICO Renters Insurance Rated?
J.D. Power (out of 1,000)869
A.M. Best - Financial Strength RatingA++

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.


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.


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.


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 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.


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.

Bob Phillips
About the author
Bob’s expertise in the insurance industry comes from his decades of experience as a licensed agent and trainer for several large national insurance companies. He lives in Fort Worth, Texas. Education: B.A. in Sociology from State University of New York College at Cortland.