Nebraska renters insurance

Is renters insurance required in Nebraska?

Renters insurance isn't required by law, but your landlord or building management company may mandate a renters policy before you can move in. Even if you're not required to carry renters insurance, a renters policy is generally affordable and may cover your belongings against certain perils. It may also pay for you to live elsewhere if you're unable to stay in your residence while it's being repaired or rebuilt due to a covered loss.

Nebraska renters insurance coverages

Check out the four standard coverages on nearly all Nebraska renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics.
• Loss of use 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.
• Personal liability 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.

Additional coverages

For tenants renting apartments, condos, or homes, the best renters insurance in Nebraska is always a policy with customized coverage limits. Here are some extra options for when you need more protection:

• Certain valuable items, like jewelry, art, and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.
• Personal injury: May pay for legal fees and damages if you’re liable for slander or defamation.
• Water back-up: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about renters insurance coverages.

Common claims in Nebraska

Nebraska is home to severe thunderstorm activity. Damages to your personal property from severe weather may be covered on your renters insurance policy, up to your coverage limits and minus your deductible. Learn more about how insurance may cover storm damage.

Discounts on Nebraska renters insurance

Progressive offers several discounts to help lower the cost of renters policies in Nebraska, such as:

• Multi-policy
• Quote in advance
• Pay in full
• Secured/gated community

See more of our available renters insurance discounts.

What does Nebraska renters insurance cost?

You can buy Nebraska renters insurance for less than $1/day.^* Many components influence the cost of renters insurance in Nebraska, including your location and coverage limits. Learn more about renters insurance cost factors.

Get a Nebraska renters insurance quote