North Las Vegas Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in North Las Vegas


Homeowners insurance is a critical element of homeownership. Homeowners coverage protects you against fire, wind damage, and theft for your home and the contents inside it. With the relative frequency of such perils -- and the high cost of rebuilding or repairing a home -- purchasing home insurance is a sound investment.

What you pay for homeowners insurance depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more information about what is covered by a homeowners insurance policy.

Finding cheap home insurance in North Las Vegas starts with shopping around and comparing policies. Check out the below summary of average home insurance rates in North Las Vegas to begin your home insurance search with as much info as possible. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.


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

Home insurance in North Las Vegas by insurance company

What you pay for homeowners insurance in North Las Vegas will depend on the insurance company you get your policy through. 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 home insurance premium of $990.

Take a look at the cheapest insurance companies in North Las Vegas, Nevada to find the best home policy for your needs.


CHEAP HOME INSURANCE COMPANIES IN NORTH LAS VEGAS
CompanyAverage Annual Rate
Universal Insurance$664
Farmers$677
Safeco$678
Travelers$709
American Family$717

Average homeowners insurance costs in North Las Vegas 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 $1,422 per year.


HOMEOWNERS INSURANCE RATES IN NORTH LAS VEGAS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$817
$400K Dwelling$1,422

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North Las Vegas home insurance prices by ZIP code

Homeowners insurance premiums can vary depending on what part of North 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.

To find the cheapest home insurance rates in North Las Vegas, look no further than 89084. In the 89084 area, homeowners coverage usually costs just $924 per year — a full $66 less than the North Las Vegas average. If you’re looking for the areas with the most affordable homeowners insurance in North Las Vegas, have a look at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN NORTH LAS VEGAS
ZIP CodeAverage Annual Home Insurance Rate
89084$924
89031$929
89086$938

Other parts of North Las Vegas, however, are prone to homeowners insurance rates that are higher on average. Fire risks, crime rates, 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 could drive up area rates. With an annual average premium of $1,119, 89030 comes in as the most expensive ZIP code in North Las Vegas for home insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN NORTH LAS VEGAS
ZIP CodeAverage Annual Home Insurance Rate
89030$1,119
89115$1,030
89032$1,027



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

If you’re searching for savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in North Las Vegas leads to average annual savings of 11%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN NORTH LAS VEGAS
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$1,438
Progressive$2,021
State Farm$2,134
Allstate$2,581
Farmers$2,784

Bundling your homeowners and auto policies can be a great way to save some money on insurance. To speak with an insurance expert, reach out to us at 855-493-9728 today.


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