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Best Homeowners Insurance in Nevada

Published on:
Content was accurate at the time of publication.
  • State Farm has the best home insurance in Nevada overall, with a low average rate ($98 a month) and great customer satisfaction scores.
  • Nationwide has the state’s cheapest home insurance rates, at $89 a month.
  • American Family has the best coverage options.

Find the Cheapest Home Insurance Quotes in Nevada

At $1,065 a year, Nationwide has the cheapest homeowners insurance in Nevada.

State Farm is the state’s second-cheapest home insurance company, with rates that average $1,175 a year.

CompanyAnnual rateMonthly rateLendingTree score
Nationwide logo   Nationwide$1,065$893.5 stars
state farm logo   State Farm$1,175$984 stars
travelers logo   Travelers$1,351$1133.5 stars
allstate logo   Allstate$1,565$1304 stars
usaa logo   USAA*$1,723$1444 stars
american family logo   American Family$1,748$1464 stars
farmers logo   Farmers$1,855$1553.5 stars
country financial logo   Country Financial$1,925$1604 stars
aaa logo   AAA$2,224$1852 stars

*USAA is only available to current and former members of the military as well as certain family members.

To get cheap home insurance in Nevada, compare home insurance quotes from several companies before you renew or buy a policy.

CompanyBest forAnnual rateCustomer satisfaction**Complaint index***
State FarmOverall$1,1756431.05
NationwideAffordable rates$1,0656410.96
American FamilyCoverage options$1,7486380.49
FarmersDiscounts$1,8556090.85

**Source: J.D. Power. Higher is better; 640 is average.
***Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.

Find the Cheapest Home Insurance Quotes in Nevada

Best home insurance company overall: State Farm

With some of the cheapest rates and a reputation for customer service, State Farm is our pick for best home insurance company in Nevada.

ProsCons
Second-lowest home insurance rate in Nevada

Second-best customer satisfaction score of surveyed companies

Highly rated app

A++ financial strength rating from AM Best
Fewer add-on coverages than most other companies

Not many discounts

Complaint rating is average

Cheapest home insurance rates: Nationwide

If you want Nevada’s cheapest homeowners insurance, go to Nationwide. Its average rate of $1,065 a year, or $89 a month, is 35% lower than the state average.

Nationwide offers a lot of discounts, too, which could make your policy even cheaper.

ProsCons
Lowest home insurance rate in Nevada

Many discounts and optional coverages

Good customer satisfaction rating
Complaint rating is average

Best home insurance coverages: American Family

American Family offers the most add-on coverages of the home insurance companies we surveyed in Nevada.

Some of the optional coverages you can add to your American Family home insurance policy:

  • Itemized personal property
  • Hidden water damage
  • Roof damage
  • Matching undamaged siding
  • Identity protection
  • Credit monitoring

ProsCons
More coverage options than any company we surveyed

Many discounts

Good complaint rating
Rates tend to be expensive

Customer satisfaction rating is slightly worse than average

Best home insurance discounts: Farmers

No insurance company in Nevada offers more home insurance discounts than Farmers.

You could save money on your home insurance bill and earn a discount from Farmers if you:

  • Install protective devices in your home
  • Don’t file claims for three years
  • Pay your bill on time

ProsCons
Most discounts of companies we surveyed

Complaint rating is better than average
High average home insurance rate

Poor customer satisfaction rating

Not many coverage options

Homeowners insurance in Nevada costs $1,626 a year, on average.

What you pay for home insurance depends on a number of factors, including how much dwelling coverage you get. Adding $50,000 of dwelling coverage to your policy raises your premium by about 12%, based on our data.

Dwelling limitAnnual rateMonthly rate
$350,000$1,444$120
$400,000$1,626$135
$450,000$1,813$151

Other factors that affect your home insurance cost:

  • Age of your home
  • Coverage amount you buy
  • Deductible you choose
  • Your credit, insurance and claims history
  • Where you live in the state

Find the Cheapest Home Insurance Quotes in Nevada

Minden homeowners pay the cheapest home insurance rate of $1,367 a year, on average.

Winchester has the most expensive home insurance rate of $1,961 a year.

The average cost of home insurance in Las Vegas is $1,699 a year, while in Reno it’s $1,484.

CityAnnual rateMonthly rate
Alamo$1,459$122
Amargosa Valley$1,478$123
Austin$1,439$120
Baker$1,463$122
Battle Mountain$1,456$121
Beatty$1,476$123
Blue Diamond$1,647$137
Boulder City$1,471$123
Bunkerville$1,540$128
Cal Nev Ari$1,591$133
Caliente$1,465$122
Carlin$1,449$121
Carson City$1,423$119
Cold Springs$1,532$128
Coyote Springs$1,727$144
Crescent Valley$1,462$122
Crystal Bay$1,671$139
Dayton$1,442$120
Deeth$1,450$121
Denio$1,478$123
Duckwater$1,438$120
Dyer$1,472$123
East Valley$1,394$116
Elko$1,464$122
Ely$1,422$119
Empire$1,529$127
Enterprise$1,511$126
Eureka$1,440$120
Fallon$1,419$118
Fallon Station$1,410$118
Fernley$1,497$125
Fish Springs$1,419$118
Gabbs$1,439$120
Gardnerville$1,440$120
Gardnerville Ranchos$1,452$121
Genoa$1,440$120
Gerlach$1,597$133
Glenbrook$1,483$124
Golconda$1,466$122
Golden Valley$1,475$123
Goldfield$1,475$123
Hawthorne$1,461$122
Henderson$1,519$127
Hiko$1,484$124
Imlay$1,446$121
Incline Village$1,583$132
Indian Hills$1,392$116
Indian Springs$1,674$140
Jackpot$1,438$120
Jean$1,613$134
Johnson Lane$1,378$115
Kingsbury$1,518$127
Lakeridge$1,475$123
Lamoille$1,513$126
Las Vegas$1,699$142
Laughlin$1,602$134
Lemmon Valley$1,492$124
Logandale$1,529$127
Lovelock$1,430$119
Lund$1,456$121
Luning$1,477$123
Manhattan$1,430$119
McGill$1,506$126
Mercury$1,635$136
Mesquite$1,563$130
Mina$1,412$118
Minden$1,367$114
Moapa$1,573$131
Moapa Valley$1,537$128
Mogul$1,447$121
Montello$1,503$125
Mountain City$1,503$125
Nellis AFB$1,719$143
Nixon$1,460$122
North Las Vegas$1,718$143
Orovada$1,462$122
Overton$1,544$129
Owyhee$1,505$125
Pahrump$1,493$124
Panaca$1,531$128
Paradise$1,775$148
Paradise Valley$1,412$118
Pioche$1,485$124
Reno$1,484$124
Round Hill Village$1,515$126
Round Mountain$1,489$124
Ruby Valley$1,467$122
Ruhenstroth$1,390$116
Ruth$1,613$134
Sandy Valley$1,582$132
Schurz$1,415$118
Searchlight$1,623$135
Silver City$1,391$116
Silver Springs$1,499$125
Silverpeak$1,429$119
Sloan$1,578$132
Smith$1,485$124
Spanish Springs$1,502$125
Sparks$1,441$120
Spring Creek$1,528$127
Spring Valley$1,624$135
Stagecoach$1,491$124
Stateline$1,508$126
Summerlin South$1,443$120
Sun Valley$1,498$125
Sunrise Manor$1,755$146
Tonopah$1,432$119
Topaz Ranch Estates$1,503$125
Tuscarora$1,439$120
Valmy$1,580$132
Verdi$1,524$127
Virginia City$1,430$119
Wadsworth$1,491$124
Washoe Valley$1,538$128
Wellington$1,481$123
Wells$1,444$120
West Wendover$1,479$123
Whitney$1,662$139
Winchester$1,961$163
Winnemucca$1,417$118
Yerington$1,438$120
Zephyr Cove$1,507$126

Earthquakes, flooding, landslides and wildfires are among the disasters that can damage or destroy a home in Nevada.

A standard home insurance policy will cover most of these, but it won’t cover flood damage.

Flood insurance in Nevada

You have to buy separate flood insurance coverage to protect your home from flood damage in Nevada.

State law doesn’t require flood insurance, but most mortgage lenders will require it if you live in a high-risk flood zone.

You can buy flood insurance through the National Flood Insurance Program (NFIP) or some private insurance companies.

The average cost of homeowners insurance in Nevada is $135 a month. That’s $1,626 a year.

You’ll pay more or less than that average amount based on things like how old your house is and how much coverage you get.

State Farm is Nevada’s best home insurance company if affordable coverage and customer service are important to you. It also has a great app and a helpful website that lets you get a quote, pay your bill and file a claim.

To get the cheapest home insurance in Nevada, get a quote from Nationwide, which has the state’s lowest average rate of $89 a month.

State Farm’s average rate is nearly as cheap, at $98 a month.

You will probably need to buy homeowners insurance in Nevada if you get a mortgage. Lenders usually require home insurance. State law doesn’t require it, though.

Methodology

The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Nevada. The following coverages and deductible were used unless otherwise noted:

  • $400,000 dwelling coverage
  • $40,000 other structures
  • $200,000 personal property
  • $80,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible

Overall satisfaction ratings were obtained from J.D. Power’s 2024 U.S. Home Insurance Study. The agency’s scores are based on customer surveys that rate insurance companies on factors including price, policy offerings and claims.

Complaint ratings are based on NAIC Complaint Index data from 2023. A company with a 2.0 Complaint Index score has twice as many confirmed complaints as expected for its size. A company with a 0.5 rating has half as many.