Nevada Homeowners Insurance

Finding homeowners insurance doesn’t need to be confusing. Compare rates from Nevada by location and insurance company below.

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How to get affordable home insurance in Nevada


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. Homeowners insurance covers your house and property from an array of circumstances, such as wind damage, fire, theft, vandalism, and others.

Unlike car insurance, homeowners policies aren’t governed by state legislation. Even so, serious differences emerge in home insurance rates from state to state. Policy prices by state vary based on the value of — and total number of — home policy claims filed statewide, and depend on the value of the belongings and property you're covering.

The best way to get affordable homeowners insurance in Nevada is to compare rates and consider policies from as many insurance companies as possible. Learn typical homeowners insurance rates in Nevada via the below breakdown. Remember: your rates may differ, depending on your coverage limits.


Nevada home insurance:
  1. By insurance company
  2. By city
  3. Bundling home and auto insurance
  4. FAQs


Homeowners insurance rates in Nevada by insurer

Rates for homeowners insurance in Nevada vary based on the insurance company you use. Farmers provides the cheapest homeowners policies in Nevada, at just $598 per year. This compares favorably to the state mean rate of $975, offering a $377 price cut on average statewide homeowners insurance costs.

Start looking for affordable homeowners coverage by viewing average rates from top Nevada insurance companies, listed below.


InsurerAverage Annual Rate in Nevada
Universal Insurance$636.41
American Family$785.84


Nevada homeowners insurance by city

Home insurance rates in Nevada vary by city. Prices depend on city-specific variables, such as the number of homeowners claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.

The most affordable homeowners insurance in Nevada is available in Carson City. The average home insurance policy in Carson City costs only $881 per year — $94 less than the average Nevada rate. The below table shows the best places to live in Nevada if you’re looking for cheap homeowners insurance.


CityAverage 12-Month Home Insurance Rate
Carson City$881.24
Spring Creek$908.79


How to bundle home and auto insurance in Nevada

If you’re seeking ways to save on your insurance expenditures, consider holding your car and homeowners policies with the same insurance company. A home and car insurance bundle in Nevada can save you a substantial sum each month on your auto insurance policy. Bundling policies in Nevada results in yearly savings of $201.


Avg. Annual Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %


One of the best ways to save on auto insurance is to bundle policies. Get started today!


Looking for information on home insurance in a specific city? Check out our breakdown of major Nevada cities:

  1. Henderson
  2. Las Vegas
  3. North Las Vegas
  4. Reno


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.


Earthquake insurance in Nevada

Nevada endures an average of 85 earthquakes annually, which means that Nevada residents should seriously consider earthquake insurance.* 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 CompanyAverage 12-Month Earthquake Insurance Rate
State Farm$871


*Source: United States Geological Survey (

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