The Best Home Insurance in Nevada for 2024
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The average cost of homeowners insurance in Nevada is $1,290 per year. That’s compared to the national average of $1,915.
NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Nevada in the following categories:
Best for affordability: Travelers.
Best for coverage: State Farm.
Best for consumer experience: American Family and Nationwide.
The rates in our analysis are estimates based on many factors, so your rate may differ.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Best affordable homeowners insurance in Nevada: Travelers
Travelers
Coverage options
Discounts
NAIC complaints
Travelers
Coverage options
Discounts
NAIC complaints
In Nevada, the average annual premium for Travelers is $865, which is well below the state average of $1,290.
Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.
Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.
Learn more in our Travelers homeowners insurance review.
Best homeowners insurance in Nevada for coverage: State Farm
Coverage options
Discounts
NAIC complaints
State Farm
Coverage options
Discounts
NAIC complaints
As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.
State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.
Learn more with our State Farm homeowners insurance review.
Best homeowners insurance in Nevada for consumer experience: American Family and Nationwide
Coverage options
Discounts
NAIC complaints
American Family
Coverage options
Discounts
NAIC complaints
American Family receives fewer consumer complaints than expected for a company of its size. Its user-friendly website offers features such as bill payments, claim reporting, online quotes and general insurance information.
Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.
Get more information in our American Family homeowners insurance review.
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide
Coverage options
Discounts
NAIC complaints
The Nationwide website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills, and getting quotes. The company also has a comprehensive and highly rated mobile app.
In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.
Learn more with our Nationwide homeowners insurance review.
Full list of the best homeowners insurance in Nevada
NerdWallet analyzed home insurance companies across the state to find the best home insurance in Nevada. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
Not available | ||
$1,455 | ||
$1,315 | ||
Not available | ||
$1,320 | ||
$1,275 | ||
$865 | ||
USAA* | $1,175 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
How much does homeowners insurance cost in Nevada?
The average annual cost of home insurance in Nevada is $1,290. That’s 33% cheaper than the national average of $1,915.
In most U.S. states, including Nevada, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Nevada, those with poor credit pay an average of $2,485 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 93% more than what those with good credit pay.
Average cost of homeowners insurance in Nevada by city
How much you pay for homeowners insurance in Nevada depends on where you live. For instance, the average cost of home insurance in Las Vegas is $1,360 per year, while homeowners in Carson City pay $1,175 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Battle Mountain | $1,195 | $100 |
Boulder City | $1,325 | $110 |
Carson City | $1,175 | $98 |
Dayton | $1,160 | $97 |
Elko | $1,125 | $94 |
Ely | $1,145 | $95 |
Fallon | $1,185 | $99 |
Fernley | $1,175 | $98 |
Gardnerville | $1,160 | $97 |
Henderson | $1,310 | $109 |
Incline Village | $1,270 | $106 |
Indian Springs | $1,370 | $114 |
Las Vegas | $1,360 | $113 |
Laughlin | $1,360 | $113 |
Mesquite | $1,325 | $110 |
Minden | $1,165 | $97 |
North Las Vegas | $1,340 | $112 |
Pahrump | $1,220 | $102 |
Reno | $1,200 | $100 |
Silver Springs | $1,205 | $100 |
Sparks | $1,200 | $100 |
Spring Creek | $1,215 | $101 |
Sun Valley | $1,205 | $100 |
Winnemucca | $1,110 | $93 |
Yerington | $1,180 | $98 |
The cheapest home insurance in Nevada
Here are the insurers we found with average annual rates below the Nevada average of $1,290.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$865 | ||
CIG | Not rated | $1,030 |
$1,215 | ||
Encompass | 4.0 NerdWallet rating | $1,235 |
$1,275 | ||
USAA* | $1,175 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
What to know about Nevada homeowners insurance
You may face certain risks when living in Nevada. Here are a few of the most common, along with steps you can take to insure your home properly against them.
Wildfires
Homeowners insurance typically covers damage from fires, but some insurers exclude wildfire damage from coverage. Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your whole home, so make sure you have enough coverage to rebuild if necessary.
Flooding
Flooding is not covered under standard homeowner insurance policies, so if you’re concerned about flash flooding or flooding due to drainage issues, you should consider flood insurance.
To find out if you’re at risk, check out the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to buy flood insurance for extra peace of mind.
Remember that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.
Earthquakes
Earthquakes are not covered under standard homeowners insurance policies. If you live in a high-risk area, you might need separate earthquake insurance, which you may be able to get as an endorsement from your insurer.
If you don’t have earthquake insurance, you may still have some coverage from earthquake-related damage. For example, if a fire breaks out as a result of the earthquake, standard homeowners insurance policies will likely cover the fire damage.
Windstorms
Wind damage is typically covered under standard homeowners insurance policies. However, it’s important to review your policy to understand your coverage fully, as you may have a separate deductible for wind damage. These are often either a flat rate, such as $1,000, or a percent of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.
Nevada insurance department
The Nevada Division of Insurance oversees the state’s insurance industry and provides consumer protection and resources. For example, its website includes a guide to homeowners insurance in Nevada, information on earthquake and flood insurance and instructions in case you need to file a claim.
The Nevada Division of Insurance is also your go-to location to file a complaint against your insurance company online or by mail. If you have questions about filing a complaint or need other help, you can request assistance from Consumer Services by calling the Las Vegas office at 702-486-4009 or the Carson City office at 775-687-0700.
Amanda Shapland contributed to this story.
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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