Henderson Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in Henderson


Home insurance should be a critical consideration for every homeowner. Homeowners coverage protects you against fire, wind damage, and theft for your home and the contents inside it. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, having a home insurance policy is a solid investment.

What you pay for homeowners insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils likefrozen pipes, hail, windstorms, or wildfires, home insurance policies may be more expensive to account for the extra risk. Find out more info about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance coverage in Henderson, start with shopping around and comparing what different companies offer. Have a look at the summary below comparing average home insurance premiums in Henderson to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Henderson, Nevada, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Henderson by insurance company

Homeowners insurance rates in Henderson vary from one insurance company to another. Farmers offers the most affordable home insurance in Henderson, at just $587 per year. This compares favorably to the city’s average homeowners premium of $983.

Start your search for a home insurance policy by reviewing the cheapest companies in Henderson, Nevada, listed below.


AFFORDABLE HOME INSURANCE COMPANIES IN HENDERSON
CompanyAverage Annual Rate
Farmers$587
Travelers$682
Safeco$698
American Family$785
State Farm$790

Average homeowners insurance costs in Henderson by coverage level

The amount of home coverage you select has an impact on the insurance premiums you pay. Homeowners in Henderson who carry $200K in dwelling coverage pay an average of $730 per year, while those with coverage up to $400K pay around $1,249 per year.


HOMEOWNERS INSURANCE RATES IN HENDERSON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$730
$400K Dwelling$1,249

Speak with a homeowners insurance expert

Henderson home insurance rates by ZIP code

Homeowners insurance costs can vary depending on what part of Henderson in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, the location of your house can dramatically influence your home insurance rates.

The cheapest home insurance rates in Henderson are available in 89012. In 89012, the typical home insurance policy costs $956 per year — $26 less than the citywide average in Henderson. Find the best places to live in Henderson for cheap home insurance by looking at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN HENDERSON
ZIP CodeAverage Annual Home Insurance Rate
89012$956
89052$960
89014$982

Other areas of Henderson, it should be noted, face homeowners rates that surpass the city average . Such areas might face a higher probability of perils such as severe weather and fires. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. With an annual average premium of $1,014, 89044 comes in as the costliest ZIP code in Henderson for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN HENDERSON
ZIP CodeAverage Annual Home Insurance Rate
89044$1,014
89011$1,003
89074$990



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Looking for a money-saving tip for insurance in Henderson? Try bundling

You might want to consider bundling your auto and home insurance policies through the same company if saving money is one of your concerns. Bundling homeowners and auto insurance can be a good money-saving option. By bundling your policies, Henderson homeowners could see annual savings of 11% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN HENDERSON
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$1,374
Progressive$1,829
State Farm$2,081
Allstate$2,334
Farmers$2,537

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. To speak with an insurance expert, call 855-493-9728 today.


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