Las Vegas Homeowners Insurance

(How to get the most for your money)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Las Vegas homeowners insurance

Las Vegas, Nevada, is an iconic city that never sleeps. It is known culturally as a place of luck and fortune, putting this town on the map. 

If you own a home where the world is on one strip, you'll need protection. An independent insurance agent can help find the policy that suits your needs. Connect with a local agent today to find coverage. 

What's the Crime Rate in Las Vegas, NV?

The local crime rate in Las Vegas will impact your insurance premiums as well as your everyday life. The carriers give discounts when you live in a safer city. Let's look at the burglaries per 100,000 homes:

  • National average: 376
  • Nevada average: 584.7
  • Las Vegas average: 727.8

Las Vegas is higher than the state and national averages. If you consider the size of this town, the burglary rate is pretty low in comparison. Las Vegas has a population of 641,676 residents. To see how the local crime affects your homeowners insurance costs, speak with your independent agent. 

Homeowners Insurance Costs in Las Vegas, NV

When you purchase your homeowners insurance policy, you want to make sure you're getting the best price. The carriers use a variety of cost determining factors when rating your coverage. Take a look at the numbers:

  • National average: $1,211 annual home insurance premiums
  • Nevada average: $755 annual home insurance premiums

Cost determining factors:

  • Your address
  • Your insurance score
  • Your credit score
  • Your loss history
  • The year, construction, and square footage of your home
  • Discounts that you qualify for

Your policy costs could be higher or lower than the state and national averages. When looking at coverage and rates, it's best not to compare to others. Since every home, person, and policy is individualized, your insurance pricing will be specific to you. Connect with your local Las Vegas agent to quote homeowners insurance fitting your criteria.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Risk Exposures in Las Vegas, NV, and Your Home Insurance

At any moment, a catastrophe could cause severe damage and render your family homeless or worse. If a loss occurs, you want to make sure your home insurance will supply the right insurance to cover your claim. 

The most common natural disasters in Las Vegas, NV:

#1  Fires

#2  Floods

#3  Heavy rains

#4  Snows

#5  Storms

Flood insurance explained:

Your flood insurance is a separate policy from your homeowners insurance. Just an inch of water damage could cost over $25,000 in repair. When you have the right coverage in place, you don't have to worry about a loss. 

Your Las Vegas independent agent can quote insurance through FEMA-approved carriers. They will look up your flood zone so you can have the proper coverage for your home. Discuss flood insurance options with your agent today.

Homeowners Liability Insurance for Your Las Vegas, NV, Home

Liability coverage will protect the members of your household from a lawsuit that could occur out of bodily injury or property damage. 

Common Home Liability Claims:

  • A dog bite causing injury to another person
  • A slip and fall on your property causing harm to another person
  • A member of the household is sued for slander
  • A tree falls and damages your neighbor's property

These instances can be insured under your liability coverage. When a larger loss occurs, umbrella insurance is another option. Umbrella insurance will provide additional liability coverage above and beyond your underlying policy once your primary limits are exhausted. Talk with your local independent agent to discuss your home insurance. 

Match with a Local Independent Agent in Las Vegas, NV

When you work with a Las Vegas independent insurance agent, you'll get the best rates and policy in town. They have access to dozens of carriers, saving you time and money. 

To find a local independent agent, go to Use the find-an-agent tool and get started on better home insurance. 

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn