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Nevada homeowners insurance: what you need to know

A hhome insurance policy protects your dwelling, attached buildings, and personal property in the event of several misfortunes, including fire, theft, vandalism, or wind damage. The average annual price you will pay for home insurance in Nevada is $975 ($82 per month). While this is lower than what most Americans are paying, Nevada homeowners should still view prices from a variety of insurance companies to ensure they can't save more.

Major differences exist in homeowners insurance costs on a state-by-state basis. Homeowners insurance costs in states may vary depending on the value of — and frequency of — home insurance claims made in the state, and also on the value of the belongings and dwelling you're insuring

Learn more about average home insurance rates in Nevada by reviewing the data below. Your rates may vary, depending on your coverage limits.


Table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by deductible amount
  4. Rates by city
  5. Bundling savings
  6. Frequently asked questions
  7. Natural disaster coverage


The cheapest home insurance companies in Nevada

Home insurance prices in Nevada will vary based on the insurance company you choose. Farmers offers the most affordable home insurance in Nevada — only $598 per year. This is less than the state average price of $975, providing a $377 price cut on average statewide homeowners insurance costs. 

Find the cheapest home insurance policy by viewing average rates from the top Nevada companies, listed below. Then, see our list of home insurers consumers rated the best for customer satisfaction


Insurance Company Average Yearly Rate in Nevada
Farmers $598
Universal Insurance $636
Safeco $658
Travelers $748
American Family $786


Nevada home insurance prices by coverage levels

How much you spend on home insurance coverage is greatly impacted by the level of coverage you choose. Homeowners in Nevada who carry $100,000 of dwelling coverage pay an average of $463 per year, while those with dwelling coverage of $400,000 pay around $1,166 per year.


Coverage Level Average Annual Cost
$100,000 Dwelling $463
$200,000 Dwelling $723
$250,000 Dwelling $801
$400,000 Dwelling $1,166


Homeowners insurance deductibles in Nevada

Homeowners face many choices when buying a homeowners insurance policy, including the amount of their deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Where you choose to set your homeowners deductible is directly related to how much you pay in insurance premiums.

Put simply, a higher deductible means cheaper insurance costs. As such, if you want your insurance rates to stay low, aim for a higher deductible. Be mindful of the fact that your deductible should only be set as high as you can reasonably afford if you suffer a loss.

The following chart outlines the typical rates associated with standard homeowners deductibles.


Deductible Tier Average Annual Homeowners Insurance Rate
$500 $875
$1,000 $801
$1,500 $759
$2,000 $723
$5,000 $602


Nevada homeowners insurance costs by city

Not every city in Nevada has equal home insurance costs. Rates depend on locally specific variables such as the number of homeowners claims filed nearby, meaning your specific ZIP code impacts how much you pay.

The cheapest home insurance in Nevada is found in Carson City. An average home insurance policy in Carson City costs $881 per year — $94 less than the average policy in other Nevada cities. The table below shows the best places to live in Nevada if you’re looking for cheap homeowners insurance.


City Average 12-Month Home Insurance Rate
Carson City $881
Fallon $901
Dayton $902
Elko $902
Spring Creek $909


Seeking insights on home insurance in a specific city? Check out our breakdown of significant Nevada cities:


Home and auto insurance bundling in Nevada

If you want to save on insurance, consider carrying your home and auto policies with the same insurance company. Bundling homeowners and auto insurance in Nevada can lead to substantial savings on car insurance. Purchasing bundled policies in Nevada leads to a yearly discount of $201.



Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,873 $1,672 $201 12%



Nevada homeowners insurance FAQs


Does the state of Nevada require homeowners insurance?

It's not mandated by law to carry homeowners insurance but your mortgage lender will require it.



Natural disaster coverage in Nevada


Does homeowners insurance cover earthquakes in Nevada?

Nevada endures an average of 85 earthquakes annually, which means that Nevada residents should seriously consider earthquake insurance.1 However, this coverage is not a regular feature in home insurance policies. Earthquake coverage comes in the form of an endorsement to your current policy and covers losses that result from land movement.

Another serious concern with earthquakes comes in the form of aftershocks. Aftershocks can be severe and can cause damage for days after the initial earthquake. Luckily, having this coverage means that you pay only one deductible for losses from the initial earthquake as well as any resulting aftershocks that happen within a 72-hour period.

For those who live in earthquake-prone areas, you can expect that your homeowners insurance rates will be more expensive. This is especially true in areas with the highest risk. Earthquake insurance is not available from most standard insurers, but there are options for those who live in states where earthquakes are a real threat. Insurance companies in Nevada may offer endorsements covering earthquake damage. Keep in mind that earthquake insurance deductibles tend to be more costly than standard deductibles. In Nevada, a homeowners insurance endorsement for earthquake coverage carries an additional cost of $253 per year.

Take a look at the best options for earthquake coverage in Nevada listed below. Please note that these figures are merely estimates. Rates specific to your property can be found by consulting the listed insurers.


Insurance Company Average Annual Earthquake Insurance Rate
Universal $604
Allstate $835
State Farm $871
Travelers $922
CSAA $962


Does homeowners insurance cover flood damage in Nevada?

Flood damage— no matter the circumstances under which it occurs —is not covered by homeowners insurance policies. To ensure your home is covered, you should buy flood coverage from a private flood insurance company or through the National Flood Insurance Program (NFIP).

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you are allotted coverage for:

  • $250, 000 structural coverage
  • $100, 000 personal property coverage

If the value of your personal property and home exceeds these coverage limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.




1United States Geological Survey



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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.