North Las Vegas Homeowners Insurance

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.

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.


North Las Vegas, Nevada, homeowners insurance — contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by ZIP
  4. Rates by deductible level
  5. Insurance bundle discounts

Homeowners insurance in North Las Vegas by insurance 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.


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

Average homeowners insurance rates in North Las Vegas by coverage limit

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.


HOMEOWNERS INSURANCE RATES IN NORTH LAS VEGAS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$478
$200K Dwelling$817
$250K Dwelling$832
$400K Dwelling$1,219

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North Las Vegas homeowners 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.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN NORTH LAS VEGAS
ZIP CodeAverage 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.


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

Home insurance deductibles in North Las Vegas

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.


HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE IN NORTH LAS VEGAS
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$911
$1,000$832
$1,500$790
$2,000$753
$5,000$627

Money-saving tip: bundle home and auto insurance 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.


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

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.