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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How to find affordable homeowners insurance in North Las Vegas

A critical consideration for every homeowner should be insurance coverage for your home. Along with personal property, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a house, investing in an expansive homeowners policy can seem like a great move. A typical homeowners policy costs $82 per month in North Las Vegas, Nevada. This is well under the average American's monthly home insurance payment.

The cost of homeowners insurance coverage 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 also contributes to the price of your homeowners insurance policy. In areas prone to perils likewindstorms, hail, fire, or even theft , home insurance rates may be higher to account for the extra risk. Discover more about what your homeowners insurance policy covers.

If you want to find cheap homeowners insurance in North Las Vegas, start with shopping around and comparing what different companies offer. Have a look at the summary below comparing average home insurance rates in North Las Vegas to begin your homeowners insurance search with as much info as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings


North Las Vegas home insurance by company

North Las Vegas homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in North Las Vegas comes from Universal Insurance, which offers average annual rates of just $664 per year. This is more favorable than the city’s average homeowners premium of $990.

Below you'll find a list of the cheapest homeowners insurance companies in North Las Vegas, Nevada to help you start your search. You can also check out our guide to the best home insurers ranked by customer satisfaction, third-party ratings, and other factors. 

Company Average Annual Rate
Universal Insurance $664
Farmers $677
Safeco $678
Travelers $709
American Family $717


North Las Vegas homeowners insurance prices by coverage level

Your chosen level of homeowners coverage impacts the insurance premiums you pay . In North Las Vegas, carrying $200K dwelling coverage costs an average of $817, while carrying additional coverage up to $400K costs $1,219/year.

Coverage Level Average Annual Rate
$100K Dwelling $478
$200K Dwelling $817
$250K Dwelling $832
$400K Dwelling $1,219


North Las Vegas home insurance rates by ZIP code

Depending on the part of North Las Vegas you live in, you might see vastly different home insurance costs. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically affect your home insurance premium.

The cheapest home insurance rates in North Las Vegas are available in 89084. In 89084, the typical home insurance policy costs $924 per year — $66 less than the citywide average in North Las Vegas. Find the best places to live in North Las Vegas for cheap home insurance by looking at the table below.

ZIP Code Average Annual Home Insurance Rate
89084 $924
89031 $929
89086 $938

Some parts of North Las Vegas, however, are prone to homeowners insurance premiums that are higher on average. Such areas might face a higher danger of perils such as severe weather and fires. Similarly, they may also have a higher rate of crimes such as burglary or vandalism. The most expensive ZIP code for homeowners insurance in North Las Vegas is 89030, where the average annual rate is $1,119.

ZIP Code Average Annual Home Insurance Rate
89030 $1,119
89115 $1,030
89032 $1,027


North Las Vegas homeowners insurance deductibles

One of the multiple decisions that you will make when looking at homeowners insurance policies is how high or low to set your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Where you choose to set your homeowners deductible is linked to the overall cost of your coverage.

In general, choosing a lower deductible means that your insurance rates will be higher. Therefore, it might make sense to set a higher deductible if you aim to secure lower rates. Be mindful of the fact that your deductible should only be as high as you can reasonably pay if you suffer a loss.

Have a look at may of the typical deductibles offered by insurers and an estimate of average homeowners insurance rates.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $911
$1,000 $832
$1,500 $790
$2,000 $753
$5,000 $627

Home and auto insurance bundling in North Las Vegas

To save a little money, you might think about bundling your homeowners and auto insurance policies through the same company. Bundling home and auto insurance can be a good money-saving option. By bundling your policies, North Las Vegas homeowners could see annual savings of 11% on average.

Company Avg. Annual Auto Insurance Rate (With Bundle)
GEICO $1,438
Progressive $2,021
State Farm $2,134
Allstate $2,581
Farmers $2,784

Compare quotes on North Las Vegas, NV home insurance today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.