Paige Cerulli Last Updated On: October 17, 2023

How to Find the Best Homeowners Insurance in Nevada

A quality home insurance policy can help you protect your investment in your home, but as you shop for insurance, you’ll find that you have many options to choose from. Finding the right home insurance policy in Nevada can be challenging, especially if you’re new to shopping for home insurance.

We’ve outlined some of the key details you need to know to guide you through the process. This overview can help you to find the right home insurance policy at the right price, too.

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Table of Contents

The Average Cost of Home Insurance in Nevada

The average cost of home insurance in Nevada is $889 per year for $250,000 in dwelling coverage. That rate is more than $500 less than the national average of $1,428 per year for the same amount of coverage. Since Nevada is less likely to experience severe wildfires and weather, the state’s insurance rates are lower.

Where you live in Nevada can also impact your rates. Areas with high crime rates and a greater risk of severe weather have higher home insurance rates, while areas with reduced risk have lower average rates.

Nevada City

Average Cost of Home Insurance Per Year

Boulder City


West Wendover




Crystal Bay


Coyote Springs



Other factors like your home’s age, its value, and the distance to the nearest fire station will all impact your rates, too. Since home insurance rates can vary so significantly, getting a personalized home insurance quote will give you the most accurate idea of what you will pay for insurance. To get started, get your free home insurance quotes in Nevada from ConsumerCoverage today to explore your options.

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Coverage Options for Homeowners Insurance in Nevada

As you explore home insurance plans, it’s important to understand what’s included in each plan. Most standard home insurance policies include these types of coverage:
  • Dwelling coverage applies to the structural elements of your home, like the roof, walls, and porch.
  • Other structures coverage applies to the structures on your property that aren’t attached to your home, like a barn or shed.
  • Personal property coverage helps to pay for any loss of your personal belongings inside your home, like electronics or furniture.
  • Personal liability coverage helps to protect you if another person is injured while on your property.
  • Medical payments coverage helps to cover medical expenses that result from another person being injured on your property.
  • Loss of use coverage applies in situations when your house is damaged and is uninhabitable while it’s being repaired. This coverage applies to expenses like a rental home.
These coverages are standard, but they may not be everything that you need. Depending on your home’s location and risk factors, you may want to purchase additional optional coverage for more complete protection.
  • Flood insurance: Standard home insurance policies usually exclude damage caused by floods. If your home is in an area that could potentially flood, then you may want to purchase separate flood insurance.
  • Earthquake insurance: Most insurance policies don’t include coverage for damage caused by earthquakes. Given the relatively frequent occurrence of earthquakes in Nevada, it might be a good idea to purchase specific earthquake insurance so your home is fully covered.

How to Save on Home Insurance in Nevada

As you shop for home insurance in Nevada, take the time to compare quotes and look for discounts. Many insurance providers offer a discount if you have multiple policies, such as a car and home insurance policy, through the same provider. Buying a high deductible home insurance policy can help to keep your premiums lower, but it’s important to make sure that you’re prepared to pay that higher deductible if you do have to file a claim.

Shopping around and comparing quotes can help you to save money, too. Request a free homeowners insurance quote from ConsumerCoverage to explore your insurance options and to find the policy that’s the best choice for your needs.

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