HomeInsuranceQts

Home Insurance in Nebraska

Homes in Nebraska carry a median value of $238,600.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Nebraska was built around 1975. About 32% of homes were built before 1960.

Housing in Nebraska breaks down to 75% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

In Nebraska, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 67% of occupied homes in Nebraska are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

59% of homes in Nebraska are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Nebraska carries a statewide average premium of $2,142 per year.

Key figures

Median home value$238,600
Median year built1975
Owner-occupied share67%
Share of owner-occupied homes with a mortgage58%
Home insurance premium$2,142 - statewide average (NAIC, 2023 data)

Counties

Sources