Insurance in Nebraska: State Rules and Requirements

Insurance in Nebraska

The rules that shape car, home and business insurance in Nebraska, each linked to its official source, and how to get coverage shopped here. Sam Alishahi holds a Nebraska nonresident insurance producer license (NPN 21022298) and places Nebraska policies directly.

By Sam Alishahi · Reviewed October 2026

Car insurance in Nebraska (25/50/25)

Minimum car insuranceNebraska requires liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage. Every policy must also include uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident; PIP is not required. Source
Fault systemNebraska is an at-fault (tort) state: the driver who causes a crash is responsible for the resulting injuries and damage. Source

Business insurance rules in Nebraska

Workers’ compensationNebraska's Workers' Compensation Act covers every employer with one or more employees. The main exception is agricultural employers, who are exempt unless they employ ten or more unrelated full-time workers for 13 weeks a year. Nebraska is not a monopolistic state. Source
Contractor licensingNebraska has no state contractor license, but contractors must register with the Nebraska Department of Labor under the Contractor Registration Act. Registration requires proof of workers' compensation coverage or approved self-insurance. Source

Home insurance in Nebraska

Home insurer of last resortHail and severe thunderstorms are the main risk to Nebraska homes, and roof damage from hail is among the most common homeowners claims. Source

High-value homes in Nebraska.

Disasters, floods, hail, tornadoes and earthquakes in Nebraska

Nebraska disasters, floods, hail, tornadoes and earthquakes, from federal records
Measure	Nebraska	Rank among the states	Detail
Federal major disaster declarations since 2000	45	#9 of 51	Most often for severe storm (35), flood (4), tornado (2). Saunders County has been in 18 of them.
National Flood Insurance Program claims, 2005–2025	2,923	#35 of 51	$78.7 million paid; 23% of claims with a known flood zone were outside FEMA’s high-risk zones.
Homes in high-risk flood zones with a federal flood policy	15%	#41 of 50	4,192 policies for 28,605 homes in the counties FEMA can measure; US: 40%.
Hail reports, 2016–2025	5,338	#4 of 51	679 of them 2 inches or larger. Largest stone 6 inches, Loup County, May 2022.
Tornadoes, 2016–2025	443	#13 of 51	42 rated EF2 or stronger; 3,223 recorded since 1950.
Earthquakes of magnitude 4.0+, 2000–2025	2	#22 of 51	Largest: magnitude 4.3, 16 km SSW of Butte, Nebraska, November 3, 2002.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Look up the storm history of any county in Nebraska.

The property risks that matter in Nebraska

The 2019 Missouri River floods caused major damage across Nebraska, and hail claims are a leading driver of homeowners premiums.

Large hail regularly damages roofs, siding and vehicles in Nebraska. Comprehensive coverage handles hail on your car; on your home, check the roof settlement terms and any cosmetic-damage exclusion.

Tornado and straight-line wind damage is generally covered by homeowners policies as windstorm, but many Nebraska policies now apply a separate wind/hail deductible. Know the dollar amount before spring storm season.

Standard homeowners and renters policies exclude flood. In Nebraska, flood coverage comes from the National Flood Insurance Program (NFIP) or a private flood insurer, and NFIP policies generally carry a 30-day waiting period, so buy before storm season. Check your address on FEMA's Flood Map Service Center.

Worth knowing in Nebraska

Nebraska's Insured Homeowners Protection Act governs storm-repair contractors. They must notify your insurer within five business days of signing, may not rebate your deductible, and must give an itemized estimate; a contract that breaks these rules is void.

Annual review checklist for Nebraska

Compare your auto liability limits with the Nebraska minimum of 25/50/25 and with your actual assets.
Read the roof settlement clause and ask whether Class 4 impact-resistant shingles earn a credit.
Confirm whether your wind/hail deductible is a flat amount or a percentage.
Check your address on FEMA's Flood Map Service Center and price an NFIP or private flood policy before storm season (NFIP usually has a 30-day wait).
Add water backup coverage and keep heat on when the home is empty.
Condo owners: compare your HO-6 loss assessment limit with the HOA master deductible.

Nebraska’s insurance regulator

Insurance in Nebraska is regulated by the Nebraska Department of Insurance, which handles consumer complaints and licenses insurers and agents.

Sam Alishahi holds a Nebraska nonresident insurance producer license (NPN 21022298) and places Nebraska policies directly.

Common questions

What is the minimum car insurance in Nebraska?

Nebraska requires liability coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage. Every policy must also include uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident; PIP is not required.

Is Nebraska a no-fault state?

Nebraska is an at-fault (tort) state: the driver who causes a crash is responsible for the resulting injuries and damage.

Do employers in Nebraska need workers’ comp?

Nebraska's Workers' Compensation Act covers every employer with one or more employees. The main exception is agricultural employers, who are exempt unless they employ ten or more unrelated full-time workers for 13 weeks a year. Nebraska is not a monopolistic state.

What can a Nebraska homeowner do if no insurer will write the house?

Hail and severe thunderstorms are the main risk to Nebraska homes, and roof damage from hail is among the most common homeowners claims.

Will my Nebraska policy pay to replace a hail-damaged roof?

It depends on the roof settlement terms. Some policies pay replacement cost; others pay actual cash value on older roofs or exclude cosmetic damage.

Are tornadoes covered by homeowners insurance in Nebraska?

Yes, as windstorm damage, subject to your deductible, which may be a separate wind/hail deductible.

More answers: Nebraska homeowners insurance guide Nebraska renters insurance and security deposit guide Nebraska life insurance consumer guide Nebraska flood risk and NFIP guide Omaha home and auto insurance guide Lincoln home and auto insurance guide

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Tell me what you need insured.

Home, car, business, trucks or something harder to place. One request, and I take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

Insurance in Nebraska