Las Vegas, NV Homeowners Insurance

Learn more about how to find the best cheap homeowners insurance in Las Vegas.

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Find cheap homeowners insurance in Las Vegas

 

One of the most important aspects of homeownership is insurance. Homeowners insurance protects you against fire, wind damage, and theft for your home and the contents inside it. Events like this occur frequently. Given the high cost of repairing or rebuilding a house, homeowners coverage is a wise 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. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance in Las Vegas, start with looking around and comparing a number of policies. Review our summary below, showing average home insurance rates in Las Vegas, to get as much information as possible before starting your search for homeowners insurance. Remember: your home insurance rates may vary based on your coverage limits and other factors.

 
Las Vegas, Nevada, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Rates by deductible level
  5. Insurance bundling discounts

 

Homeowners insurance in Las Vegas by company

Las Vegas homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Las Vegas comes from Farmers, which offers average annual rates of just $612 per year. This is more favorable than the city’s average home insurance premium of $1,033.

Find below the cheapest home insurance companies in Las Vegas, Nevada, to help you begin your search.

 
CHEAP HOME INSURANCE COMPANIES IN LAS VEGAS
CompanyAverage Annual Rate
Farmers$612
Safeco$655
Universal Insurance$697
Travelers$708
American Family$776

 

Average homeowners insurance rates in Las Vegas by coverage levels

The level of home coverage you select has an impact on the insurance premiums you pay. In Las Vegas, carrying $200K dwelling coverage costs an average of $909, while carrying additional coverage up to $400K costs $1,263 per year.

 
HOMEOWNERS INSURANCE RATES IN LAS VEGAS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$494
$200K Dwelling$909
$250K Dwelling$865
$400K Dwelling$1,263

 

Las Vegas home insurance rates by ZIP code

Depending on the part of Las Vegas you live in, you could see vastly different home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

To find the cheapest homeowners insurance premiums in Las Vegas, look no further than 89143. In the 89143 ZIP, homeowners insurance policies typically cost just $920 per year — a full $113 less than the Las Vegas average. If you’re looking for the areas with the most affordable homeowners insurance rates in Las Vegas, have a look at the table below.

 
AFFORDABLE NEIGHBORHOODS FOR HOMEOWNERS INSURANCE IN LAS VEGAS
ZIP CodeAverage Annual Home Insurance Rate
89143$920
89149$930
89130$938

Other areas of Las Vegas, however, face homeowners rates that are higher than the citywide average. These parts of town could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $1,247 makes 89101 the most expensive ZIP code in Las Vegas for home insurance.

 
EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN LAS VEGAS
ZIP CodeAverage Annual Home Insurance Rate
89101$1,247
89104$1,237
89106$1,218

 

Home insurance deductibles in Las Vegas

Among the many options faced by homeowners when purchasing an insurance policy is where to set the deductible. The deductible is the total amount that the insured must contribute toward a covered loss. Where you set your deductible can play a large part in the cost of your insurance coverage.

When choosing a deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, you may want to think about setting a higher deductible if you aim to lock in lower premiums. Be mindful of the fact that your deductible should only be as high as you can reasonably pay if you suffer a loss.

The chart below shows the typical rates for standard homeowners deductible levels.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE IN LAS VEGAS
Deductible LevelAverage Annual Home Insurance Rate
$500$948
$1,000$865
$1,500$819
$2,000$781
$5,000$649

 

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

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Las Vegas leads to average annual savings of 12%.

 
CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN LAS VEGAS
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$1,485
Progressive$2,120
State Farm$2,323
Allstate$2,589
Farmers$2,991
 

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.

 

Compare quotes and find an affordable policy today.

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.