Nevada Homeowners Insurance

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

Get cheap home insurance in Nevada

Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. Homeowners insurance covers your dwelling, personal property, and other buildings from a variety of calamities, including theft, fire, vandalism, or wind damage.

Serious differences emerge in homeowners insurance rates from state to state. Policy costs in a given state may differ depending on the value of — and total number of — homeowners claims filed in the state, and depend on the price of the belongings and home you're insuring.

The easiest way to get a cheap homeowners insurance policy in Nevada is to shop around and compare rates from as many companies as possible. Learn more about typical homeowners insurance rates in Nevada by referencing the below data. Your rates may vary, depending on your coverage limits.

Home insurance in Nevada:
  1. Rates by company
  2. Rates by city
  3. Home-and-auto bundling discounts

Home insurance prices in Nevada by insurer

Homeowners insurance rates in Nevada differ depending on the insurance company you choose. Farmers sells the cheapest home insurance in Nevada — $598 annually. This compares favorably to the state average cost of $975, offering a $377 discount on the typical rates in the state.

Start shopping for home insurance by viewing average rates from top Nevada insurance companies, listed below.

InsurerAverage 12-Month Rate in Nevada
Universal Insurance$636.41
American Family$785.84

Another insurer to consider is Hippo. By automating the insurance shopping experience, Hippo advertises you can lower your premium as much as 25%. Click below to get a free instant quote!

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Nevada home insurance prices by city

Not all Nevada cities have equal homeowners insurance rates. Rates are determined based on on city-specific variables, including the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.

The best homeowners insurance in Nevada is available in Carson City. A typical home insurance term in Carson City totals just $881 annually — $94 less than the average Nevada rate. The below cities have the most affordable homeowners insurance in Nevada.

Average 12-Month Home Insurance Rate
Carson City
Spring Creek


Nevada insurance bundling discounts: home + auto

If you want to save on insurance, consider purchasing your home and auto policies from the same insurance company. Bundling auto and homeowners insurance in Nevada can save you a substantial sum each month on auto insurance. Purchasing bundled policies in Nevada leads to average annual savings of $201.

Avg. Yearly Auto Insurance Rate (No Bundle)
Avg. Yearly Auto Insurance Rate (Bundle)
Annual Bundle Savings
Bundle Savings %

One of the best ways to save on auto insurance is to bundle policies. Find a policy today!

Compare rates from top car insurance companies.

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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.

*Source: United States Geological Survey (