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Best Renters Insurance in Omaha, NE

Nov. 19, 2019, 10:57 p.m.

Nearly all U.S. homeowners have insurance, but less than half of renters have renters insurance. Living in an apartment or rental home and not carrying renters insurance is a significant financial risk. Our partners at ConsumerAffairs researched the best renters insurance in Omaha so you have coverage for personal property, liability and additional living expenses.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. 3 News Now may receive compensation from our partners. Learn more.

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Policygenius

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Policygenius
Policygenius
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(855) 695-2255
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EverQuote
EverQuote
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Location
Serves residents in
Omaha, NE
(855) 522-3444
Chastain Otis Insurance
Chastain Otis Insurance
Features
  • M-F: 7am - 4:30pm
  • Closed Sat and Sun
  • chastainotis.com/services/personal-insurance/renters-insurance
Location
10822 Old Mill Rd., Ste. 2
Omaha, NE 68154
(402) 397-2500
State Farm: Shawn Benge
State Farm: Shawn Benge
Features
  • M-F: 8:30am - 5pm
  • Sat: By appointment
  • Closed Sun
  • shawnbenge.com
Location
8012 W. Dodge Rd.
Omaha, NE 68114
(402) 496-7565
Allstate: James Knowles
Allstate: James Knowles
Features
  • M-F: 9am - 5pm
  • Sat: 9am - 1pm
  • Closed Sun
  • agents.allstate.com/james-knowles-omaha-ne.html
Location
4731 Giles Rd.
Omaha, NE 68157
(402) 509-8478
AA Brokers Insurance Agency
AA Brokers Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • aabrokersomaha.com/homeownersrenters-insurance/3047189
Location
2214 N. 90th St.
Omaha, NE 68134
(402) 392-1930
Farmers Insurance: Katie Poole
Farmers Insurance: Katie Poole
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.farmers.com/ne/omaha/katie-poole
Location
6846 Pacific St., Ste. 102
Omaha, NE 68106
(402) 505-9433
Jensen Insurance Agency
Jensen Insurance Agency
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • jayjenseninsurance.com/personal-insurance/renters-insurance
Location
16909 Burke St., Ste. 125
Omaha, NE 68118
(402) 391-5100
GEICO: Jon Manz
GEICO: Jon Manz
Features
  • M-Sat: 8am - 5pm
  • Closed Sun
  • geico.com/insurance-agents/nebraska/omaha/jon-manz
Location
12240 L St., Ste. 105
Omaha, NE 68137
(402) 491-4100
Shelter Insurance: Natalie Vampola
Shelter Insurance: Natalie Vampola
Features
  • M-F: 9am - 4:30pm
  • Sat and Sun: By appointment
  • shelterinsurance.com/CA/agent/NVAMPOLA
Location
8829 Maple St
Omaha, NE 68134
(402) 397-4414
Ally Insurance Brokers of Omaha
Ally Insurance Brokers of Omaha
Features
  • M-Sat: 9am - 6pm
  • Closed Sun
  • ally-insurance.net
Location
3932 N. 90th St.
Omaha, NE 68134
(402) 359-3296

How to choose rental insurance in Omaha

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The share of households renting in Omaha is slowly rising: As of 2017, it’s right around 35 percent, according to the U.S. Department of Housing and Urban Development.

Renting an apartment or home frees you from many of the responsibilities of homeownership, like maintenance issues. But you still need to be prepared in case your personal property is damaged or stolen or if you are held legally responsible for an accident. Usually, the landlord’s insurance will not help in these situations.

The standard renters insurance in Omaha comes with three different types of coverages.

Coverage type What it covers
Personal property Actual cash value or replacement costs of your personal belongings if a peril (e.g., fire or smoke, theft, lightning, windstorm) causes damage or loss, home or away
Liability Legal costs, medical bills and property repair or replacement if you, a child or pet is responsible for accidental bodily injury or property damage
Additional living expenses Necessary living costs (e.g., hotel, meals) beyond your normal spending if a covered event forces you out of a rental

Each type of coverage carries a total limit the insurance company will pay out. Personal property coverage also has a deductible and may cap per-item coverage. When choosing a policy:

  • Consider coverage limits carefully. Take an inventory of your personal belongings, and think about the total value of your assets. Most renters choose at least $20,000 of personal property coverage and at least $100,000 of liability coverage.
  • Choose a deductible based on how much you can afford to spend out of pocket. The higher the deductible, the lower your premium will be.
  • Decide on actual cash value versus replacement cost coverage. Actual cash value covers personal property up to current market value, including depreciation. Replacement cost coverage helps you replace personal property with brand-new items at current retail prices.
  • Make sure you have additional coverage, called scheduled personal property, for especially valuable possessions like jewelry, fine art and electronics.

How much is renters insurance in Omaha?

Renters insurance in Omaha costs, on average, $12 - $13 per month. Your monthly premium depends on where you live, the coverage types and limits, the deductible, and your claims and credit history.

Omaha renters should ask about discount opportunities. Renters insurance companies in Nebraska offer savings for bundling renters and auto policies, having home safety features, paying premiums automatically or being claim-free.

When you buy renters insurance in Omaha, be aware that most policies do not cover floods. Omaha’s location in the Missouri River Valley means renters’ personal property is vulnerable to flood damage. Ask an agent about the option of purchasing a separate flood insurance policy.

Policygenius

Policygenius

Policygenius is an online, independent insurance broker that has protected customers across the U.S. with over $25 billion in coverage. Get advice on coverage limits and review clearly explained quotes for renters insurance in Omaha from highly rated companies. Discounts and extra coverages are available. Omaha reviewers include many satisfied customers who say Policygenius is easy to use.

EverQuote

EverQuote

EverQuote is an online marketplace matching consumers with top insurance providers. Put in a few details about your rental apartment or home, and you’ll be comparing rental insurance offers from Omaha agents within minutes. According to reviews in Nebraska, EverQuote has policies for all types of needs and budgets.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.