The Best Home Insurance in Nevada for 2025

Chubb, USAA and Amica are among the best home insurance companies in Nevada, according to our analysis.

To help you find the best home insurance in Nevada, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Below are more details about the best homeowners insurance companies in Nevada.

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.

Chubb offers standard coverage that often costs extra elsewhere For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders in Nevada are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction. Amica also draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners.

The company stands out for its range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

State Farm stands out for offering policies that include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You can also add extra coverage for the structure of your home, in case your policy limit isn’t enough to cover the cost of rebuilding.

Country Financial sells homeowners insurance through local representatives. The company draws far fewer complaints than expected for an insurer of its size.

» READ MORE: Country Financial homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You might have the option to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

American Family is notable for offering broader coverage for your home’s structure than many insurers do. If you insure your home up to its replacement cost, American Family will automatically add extended replacement coverage to your policy. This means the insurer will pay a certain amount above your dwelling limit in case it costs more to repair or rebuild your home.

American Family has a long list of extras you can add to your policy. For instance, you can buy coverage in case a major appliance breaks down or an underground utility line needs repairs. Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

» READ MORE: American Family homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Nevada is $1,305. That’s 38% cheaper than the national average of $2,110.

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 90% more than what those with good credit pay.

» MORE: How your credit score affects homeowners insurance

Home insurance in Las Vegas costs an average of $1,390 per year, or $116 per month.

Below are the average annual rates for Las Vegas home insurance from some of the highest-rated insurers in Nevada.

How much you pay for homeowners insurance in Nevada depends on where you live. For instance, the average cost of home insurance in Reno is $1,245 per year, while homeowners in Carson City pay $1,210 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Nevada average of $1,305.

» MORE: The cheapest homeowners insurance

Here are some common risks you may face as a Nevada homeowner, along with steps you can take to insure your home against them.

Wildfires

Homeowners insurance typically covers damage from fires, but some insurers will not cover wildfire damage. Your policy will include this information. You should also make sure you have enough dwelling coverage. This is the amount the insurance company will pay to rebuild your house. A fire can destroy your whole home, so make sure you have enough coverage to rebuild if necessary. Learn more about wildfire and home insurance.

Flooding

Homeowners insurance usually doesn't cover flood damage, so if you’re concerned about flash flooding or flooding due to drainage issues, you should consider flood insurance. Remember that while you can buy flood insurance anytime, there’s often a 30-day waiting period before the coverage takes effect.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do I need flood insurance?

Earthquakes

Home insurance doesn't cover earthquakes. For that, you'll need separate earthquake insurance. You may be able to get it as an endorsement (or add-on) 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 an earthquake, homeowners insurance will likely cover the fire damage.

Windstorms

Wind damage is usually covered by most homeowners insurance policies, but you might have a separate deductible for wind claims. 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.

» MORE: Home insurance calculator: Estimate your rate

The Nevada Division of Insurance oversees the state’s insurance industry and provides consumer protection and resources. Its website includes a guide to homeowners insurance in Nevada, information on earthquake and flood insurance, and tips for filing claims.

You can submit a complaint against your insurance company on the department’s website or by mail. If you have questions, you can call the Las Vegas office at 702-486-4009 or the Carson City office at 775-687-0700.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.