The Most Asked Questions about Nevada Home Insurance

If you're lucky enough to live in Nevada, it's the third least expensive state in the US to purchase home insurance in. The average price for a Nevada homeowners policy is $755 per year, which is much lower than the national coming in at $1,211 annually. Your rates will be individualized to your property and personal needs. 

Nevada home insurance comes with a variety of coverage options. The most common on each policy are dwelling value, other structures, personal property, liability, medical payments, and additional living expenses. These coverages are set to your specified limits as it pertains to your risk exposures. 

Unlike your car insurance, Nevada does not have any laws when it comes to homeowners coverage. However, your mortgage, lenders, or anyone with a financial interest in your property will require proof of insurance. Nevada had 314,146,000 home insurance claims paid in one year alone. The right policy can save you from financial devastation and avoid any out-of-pocket expenses. 

Carriers will look at various risk factors when calculating your insurance costs. In Nevada, your homeowners policy is rated based on the following information:

  • Value of home
  • Prior losses
  • Age of home
  • Limits selected
  • Local risk   

In Nevada, there are several top-rated carriers that can write coverage for your home. Nationwide, Safeco, Progressive, and Mercury insurance companies are among the best selection for personal protection in Nevada. These carriers are at the top of the list because they are highly rated and provide excellent coverage for an affordable price.

Yes, Nevada has a strong presence of independent insurance agents that are ready to help. With 142 agencies to choose from, you'll be able to find a competitive home policy that fits your budget and needs. 

Do You Know What Your Nevada Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 homesAvg. home value
Carson City$339,226n/a$758
Enterprise$315,889n/a$848
Fernley$208,834n/a$618
Henderson$387,7363.37$812
Las Vegas$299,3877.28$722
North Las Vegas$213,4925.37$621
Pahrump$264,878n/a$642
Paradise$277,126n/a$695
Reno$565,8614.25$914
Sparks$324,1965.57$852
Spring Valley$337,114n/a$758
Summerlin South$691,140n/a$880
Sunrise Manor$207,855n/a$510
Whitney$188,147n/a$544
Winchester$204,350n/a$575
  1. $60
  2. Las Vegas, NV Monthly average home insurance cost
  3. The average monthly cost of home insurance in Las Vegas is $60.
  4. Obviously, your house is not exactly the same as every other house in your ZIP code. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premium is also based on factors like the size and value of your home, the amount of contents coverage you need, your claims history, and the size of your deductible. Your quoted rate for home insurance may therefore be higher or lower than this average.
  5. One of the most common hazards faced by homeowners in Las Vegas is that of property crime. This city, where residents report more than 12,000 burglaries in a typical year, has one of the highest burglary rates in the state. Fortunately, your home insurance covers against property loss and damage to your house if you are the victim of a property crime like burglary or vandalism.


  1. $68
  2. Henderson, NV Monthly average home insurance cost
  3. The average monthly cost of home insurance in Henderson is $68.
  4. What you may actually be expected to pay is likely to differ from this average amount. This is because rates are calculated using a number of factors such as the size of your house, the value of your property, the age of your roof, the crime rate and weather risks in your ZIP code, your claims history, and the amount of your deductible. 
  5. What would you do if a windstorm caused a tree to fall onto your house? This could cause significant damage to your roof, siding, and windows, and could even impact the structural integrity of your house. Fortunately, when you have a solid homeowners insurance policy backing you up, do you do not need to worry about how you will be able to pay for repairs.


  1. $76
  2. Reno, NV Monthly average home insurance cost
  3. The average monthly cost of home insurance in Reno is $76.
  4. Of course, Reno is a big city, and some neighborhoods are more expensive than others when it comes to home insurance. Homeowners in Carmel Valley will pay higher average rates than those who live in Balboa Park.  
  5. Wildfires pose a significant risk in Reno and the surrounding areas. If wildfires make their way into your neighborhood, there is a very real risk that your house and all the property within it can be lost. This is one of the many reasons that a solid homeowners insurance policy is so important. You will want to be sure that your dwelling and contents coverage limits are high enough to enable you to completely recoup your losses.


  1. $58
  2. Paradise, NV Monthly average home insurance cost
  3. The average monthly cost of home insurance in Paradise is $58.
  4. Because homeowners insurance rates are completely customized on a case-by-case basis, your monthly premium may be higher or lower than this average. Insurance companies consider your home’s size, value, location, and other factors when they calculate your monthly rate. 
  5. Many residents of Paradise have an elevated risk of experiencing flood damage. When this area sees heavy, prolonged rains, drainage systems can quickly be overwhelmed and flash flooding can occur. Unfortunately, flood damage is not covered by homeowners insurance, so you will need a supplemental flood insurance policy through the National Flood Insurance Program (NFIP) in order to be fully covered.


  1. $63
  2. Spring Valley, NV Monthly average home insurance cost
  3. The average monthly cost of home insurance in Spring Valley is $63.
  4. Keep in mind, however, that homeowners insurance rates can vary from one property owner to the next, even within the same neighborhood. Your actual rate will be based on factors like the size, value, and location of your home, the materials used in your house’s construction, your claims history, the size of your deductible, and sometimes even your credit score.
  5. Though not an overly common risk, Spring Valley residents occasionally experience hailstorms. In 2016, there were a dozen hailstorms reported in the Spring Valley vicinity, and in 2012, the area was hit with hailstones that measured as large as two inches in diameter. Hailstones that exceed one inch in diameter can cause significant damage to roofs, siding, and windows. Fortunately, if your property is damaged by hail, your homeowners insurance can cover the cost of making repairs.