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State Farm also has a good reputation for customer service. The company scored better than average on a recent J.D. Power survey that measures customer satisfaction among top renters insurance companies. Plus, State Farm gets a roughly average amount of complaints compared to a company its size.

State Farm lets you personalize your coverage with a range of extras including flood insurance for renters and identity theft protection.

Amica also has affordable rates, at $20 per month for $30,000 of personal property coverage on average. That's 8% cheaper than the Nebraska state average. You can lower your monthly rate even further by taking advantage of one or more of Amica's discounts.

Amica isn't a good choice if you need personalized coverage. While Amica offers several coverage add-ons, it doesn't sell umbrella insurance, mold protection or water backup coverage.

Many renters insurance policies pay for the cost to replace what you own in its current condition, called actual cash value. Other companies may let you upgrade to replacement cost coverage for an extra cost.

The major drawback to Progressive is its poor customer service. Progressive gets significantly more complaints than an average company its size, and it scores below average for customer satisfaction according to a recent J.D. Power survey. Consider Amica if customer service is a top priority for you.