Nebraska Renters Insurance Rules for New Tenants

When moving into a rental in Nebraska, many new tenants wonder if renters insurance is required and what the rules are. Understanding these requirements—set by Nebraska law and your lease—can help protect your belongings and give peace of mind.

Are Landlords Allowed to Require Renters Insurance in Nebraska?

Nebraska does not require renters to have renters insurance by state law. However, your landlord can legally require it as part of your lease agreement. This means before you move in, you may be asked to show proof of renters insurance or include your landlord as an ‘interested party’ on the policy.

• If your lease says you must have renters insurance, you are generally required to obtain it.
• Landlords often require insurance to protect their property from certain risks and to ensure tenants have coverage for their own belongings.
• If you are unsure, check your lease or ask your landlord directly about insurance requirements.

For official information, see the Nebraska Attorney General's Consumer Protection page, which explains landlord and tenant obligations.

What Does Renters Insurance Cover?

Most renters insurance policies help protect your personal property from theft, fire, and certain types of water damage. It can also cover liability in case someone is injured in your unit. However, it does not typically cover damages to the building itself—your landlord’s insurance covers that part.

• Personal belongings (clothing, electronics, furniture)
• Liability coverage (injuries, damages caused by you or your guests)
• Additional living expenses if your apartment is unlivable after a disaster

Is Proof of Renters Insurance Required at Move-In?

If your landlord requires it, they may ask for a certificate of insurance when you sign the lease or receive your keys. Always get your policy before move-in and provide documentation by your move-in day to avoid delays.

Disclosure Requirements and Legal Protections

Landlords must clearly state any insurance requirements in your written lease. They cannot require you to purchase insurance from a specific company or agent, giving you freedom to shop for the best policy.

For official guidance, see the Nebraska Landlord Tenant Act and the “Nebraska Uniform Residential Landlord and Tenant Act” (Nebraska Revised Statutes, Chapter 76, Article 14).¹

Does Nebraska Have an Official Renters Insurance Form?

Nebraska does not provide a state-issued form for renters insurance. Your insurer or agent will supply a “Certificate of Insurance” or “Proof of Coverage” after purchase. Provide this documentation to your landlord if requested.

What If I Can't Afford Renters Insurance?

If your landlord requires insurance and it’s hard to afford, shop around for basic policies or talk to your landlord about adjusting the coverage amount. Some companies offer plans starting at $10–$15 per month.

What Happens If I Don't Provide Proof of Insurance?

If you agree in your lease to provide insurance but do not, your landlord may give notice to comply or even start the eviction process if you do not provide proof. Always communicate if you’re having trouble getting a policy.

Who Oversees Landlord-Tenant Disputes in Nebraska?

Landlord-tenant disputes in Nebraska are handled by the local county court. You can learn more at the Nebraska Judicial Branch’s Landlord/Tenant Self-Help Center.²

Frequently Asked Questions

1. Can my landlord in Nebraska require renters insurance?
   Yes, if it’s written in your lease agreement, but there is no statewide mandate unless your lease says so.
2. Is there a state form for renters insurance?
   No official Nebraska form exists—you’ll need to get a "Certificate of Insurance" from your insurer.
3. What happens if I don't get renters insurance?
   If your lease requires insurance, you could face warnings or, in rare cases, eviction for non-compliance.
4. Am I protected if my landlord insists on a specific insurance company?
   No, you have the right to choose your provider; landlords cannot require a specific agent or insurer.
5. Where can I get dispute help?
   Use the Nebraska Landlord/Tenant Self-Help Center for guidance and forms.

Key Takeaways for Nebraska Renters

• Nebraska law allows landlords to require renters insurance in your lease—but the state does not mandate it.
• Always check your lease and communicate early about any insurance concerns.
• Official disputes are handled by local county courts; support is available from the state’s judicial branch.

Need Help? Resources for Renters

• Nebraska Judicial Branch Landlord/Tenant Self-Help Center – forms, dispute info, and official process
• Nebraska Attorney General's Consumer Protection Office – information and complaint process
• Nebraska Department of Health and Human Services – Housing Resources

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1. Nebraska Uniform Residential Landlord and Tenant Act (Chapter 76, Article 14)
2. Nebraska Judicial Branch Landlord/Tenant Self-Help Center

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