Over two-thirds of Silver State residents live in Clark County, the same county which houses Las Vegas, the state’s largest city. It is also interesting to note that 86 percent of the state’s land area is owned by the federal government. Even though Nevada is one of the largest states in the U.S., most of the people tend to live pretty close to each other. Still, average Nevada homeowners insurance rates are fairly modest.
If you need to insure a home, be sure you are getting a good deal by comparing Nevada home insurance quotes from different companies. Your local, independent Trusted Choice® member agent can help you compare rates, select the best coverage options, and help you handle claims after you purchase coverage.
Average annual Nevada homeowners insurance premiums are almost the lowest in the nation. In order to understand these rates, consider some recent claims statistics for Nevada as compared to the entire country:
Nevada is fortunate in that it suffers few catastrophes when compared to the other states, and it has very few tornadoes yearly.
Although many Americans tend to think of Nevada as one big desert, you should know that parts of Nevada may flood, and it is wise to make sure your home is protected against water damage from various sources. Hail storms can happen anywhere, so it is also prudent to keep your roof in good repair and make sure you have comprehensive coverage. A local independent insurance agent can give you tips and recommendations to keep your home safer and premiums lower.
The state also seems to have lower than average number of burglaries. Remember that Nevada is only the 35th most populous state in the U.S., and consider these are average figures; risks may vary in different parts of the state.
You can protect your house and personal property against thieves. A burglar alarm system and good coverage can reduce the risk of major financial loss due to theft. Good home contents insurance can complete your protection.
Nevada homeowners insurance rates may vary by home value, property location, and several other factors. Insurance companies also have their own rate charts and underwriting guidelines. Your local, independent Trusted Choice member agent can help you compare insurers, find the lowest rates, and answer your policy questions.
Home owners seldom shop for insurance because they believe it is a time consuming and complicated task. A local member agent will be happy to do most of the hard work to find the best deals for you.