Las Vegas Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Las Vegas


A critical consideration for every homeowner should be home insurance. Along with your personal property, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such events -- along with the high cost of rebuilding or repairing a home -- having a home insurance policy is a smart investment.

The price of a homeowners insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your home can also play a large role in home 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. Find out more about what a home insurance policy covers.

If you want to find cheap home insurance in Las Vegas, start with looking around and comparing different policies. Check out the below summary of average homeowners insurance rates in Las Vegas 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 homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


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

Homeowners insurance in Las Vegas by insurance company

Las Vegas homeowners insurance rates will vary depending on which insurance company you choose. The most affordable home insurance in Las Vegas is Farmers offering average annual rates at just $612 per year. This is considerably cheaper than the city’s average homeowners premium of $1,033.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Las Vegas, Nevada.


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

Average homeowners insurance costs in Las Vegas by coverage level

The level of home coverage you select has an impact on your insurance rates. In Las Vegas, carrying $200K dwelling coverage costs an average of $909, while carrying additional coverage up to $400K costs $1,584/year.


HOMEOWNERS INSURANCE RATES IN LAS VEGAS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$909
$400K Dwelling$1,584

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Las Vegas home insurance prices by ZIP code

Home insurance costs can vary depending on what part of Las Vegas in which you live. 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.

If you're looking for the cheapest home insurance premiums in Las Vegas, take at look at the 89143 ZIP code. In the 89143 area, homeowners coverage usually costs just $920 per year — a full $113 less than the overall average for Las Vegas. Find the best places to live in Las Vegas for cheap home insurance by looking at the following table.


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

Other parts of Las Vegas, however, are prone to home insurance premiums that are higher on average. Crime rates, fire risk, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up premiums in the area. With an annual average premium of $1,247, 89101 comes in as the costliest 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



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Money-saving tip for home and auto insurance in Las Vegas: bundling

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. 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 (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. To speak with an insurance professional, call 855-493-9728 today.


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