1. Home
  2. Homeowners Insurance

Best Homeowners Insurance in Las Vegas, NV

Aug. 15, 2019, 8:17 p.m.

Home insurance shields you financially when your property is damaged. A good policy covers natural threats from severe weather and wildfires as well as human-induced theft and vandalism. Our partners at ConsumerAffairs researched the best homeowners insurance in Las Vegas to help you find a policy that protects your most valuable asset.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KTNV may receive compensation from our partners. Learn more.

Powered by
×
#1
MOST POPULAR
Progressive

Bundle & save!

#1 MOST POPULAR
Progressive
Progressive
Features
  • HomeQuote explorer
  • Alarm system discounts
  • #1 in online home insurance quotes
  • Available in Las Vegas
Read More
Location
6628 Sky Pointe, Ste. 119
Las Vegas, NV 89131
(702) 251-4000
#2
GEICO
GEICO
Features
  • Liability coverage
  • Home security discount
  • 24/7 customer service
  • Available in Las Vegas
Read More
Location
3315 West Craig Rd., Ste. 110
Las Vegas, NV 89032
(702) 643-0057
#3
State Farm
State Farm
Features
  • Free online quotes
  • Condo unit insurance
  • Home inventory tools
  • Available in Las Vegas
Read More
Location
3220 S Durango Dr., Ste. B3
Las Vegas, NV 89117
(702) 901-8787
State Farm: Ryan Janet
State Farm: Ryan Janet
Features
  • M-Th: 9am - 5:30pm
  • F: 9am - 5pm
  • Sat: 10am - 2pm
  • Closed Sun
  • ryanjanet.com
Location
6795 W. Tropicana Ave., Ste. 110
Las Vegas, NV 89103
(702) 876-4006
Allstate Insurance: Bryan Vazquez
Allstate Insurance: Bryan Vazquez
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • agents.allstate.com
Location
2099 N. Jones Blvd.
Las Vegas, NV 89108
(702) 850-5225
Liberty Mutual
Liberty Mutual
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • libertymutual.com
Location
9205 W. Russell Rd., Ste. 370
Las Vegas, NV 89148
(702) 367-0541
Farmers Insurance: Peter Trimboli
Farmers Insurance: Peter Trimboli
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • agents.farmers.com/nv/las-vegas/peter-trimboli
Location
990 E. Sahara Ave.
Las Vegas, NV 89104
(702) 731-1076
Advance Insurance & Benefits
Advance Insurance & Benefits
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • advancenv.com
Location
101 S. Rainbow Blvd., Ste. 29
Las Vegas, NV 89145
(702) 254-6141
Valley Insurance Group
Valley Insurance Group
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • valleyinsurancevegas.com
Location
9455 W. Russel Rd., Ste. 130
Las Vegas, NV 89148
(702) 476-8900
360 Insurance Solutions
360 Insurance Solutions
Features
  • M-F: 8:30am - 5:30pm
  • Sat: By appointment only
  • Closed Sun
  • 360insurance.com
Location
6628 Sky Pointe Dr., Ste. 119
Las Vegas, NV 89131
(702) 251-4000
AmeriSent Insurance
AmeriSent Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • amerisent.com
Location
6070 S. Eastern Ave., Ste. 400
Las Vegas, NV 89119
(702) 456-1400

How to choose homeowners insurance in Las Vegas

Las Vegas skyline

While Nevada law does not require homeowners to purchase a policy, your mortgage lender sure will. Home insurance in Las Vegas typically covers damage from fire, lightning, hail, theft and other common perils. Standard policies do not cover damage from hurricanes, earthquakes or flooding, but you can pay extra to have these events covered.

Many Las Vegas backyards have pools and trampolines. However, an accident in the water or on a trampoline won’t be covered by standard policies. Ask your provider for supplemental insurance so you are not liable for injuries on your property.

For more detailed information, the Nevada Division of Insurance publishes a useful guide for homeowners explaining coverage types and tips for purchasing insurance.

The cost of home insurance in Las Vegas

Las Vegas homeowners enjoy affordable policies. The average yearly premium here is about $675 while the average costs nationally are around $100 more. How much coverage you want depends on personal factors, but your dwelling coverage should be enough to cover the replacement value of your home should you need to rebuild.

Average home insurance rates in Las Vegas

Area Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Summerlin (89138) $693 $1,166 $1,635
East Las Vegas (89121) $802 $1,356 $1,910
Enterprise (89145) $736 $1,239 $1,730
Note: Based on the dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

The most expensive home insurance rates are in East Las Vegas where homes are slightly older than in the rest of the city. Cheapest rates can be found in Summerlin where most construction is fairly new.

You may be able to save money depending on your circumstance. For instance, many insurance companies offer cheaper quotes to those purchasing a new property. Also, ask for discounts for doing any of the following:

  • Bundling home and car insurance policies with the same company
  • Installing a home alarm system and security cameras
  • Installing fire prevention equipment, such as smoke detectors and sprinklers
  • Quitting smoking
  • Paying the premium in full rather than on a monthly basis
  • Setting up automatic payments

Progressive

Progressive

Progressive homeowners insurance protects your property and your belongings. Las Vegas homeowners can receive a discount on their policy if they’re purchasing a new property. You also might be able to save money by installing an alarm system. Reviewers compliment Progressive on their flexible plans.

GEICO

GEICO

GEICO, founded in 1936, is one of the most successful insurance companies in the country. It’s a national company but Las Vegas customers can speak with a local agent. Veterans and current service members can take advantage of a discount on their insurance policies. Customers say they love GEICO’s fair pricing and customizable options.

State Farm

State Farm

State Farm began as an insurance company in 1922. Numerous State Farm agents work in Las Vegas and homeowners choose State Farm more than any other company for their insurance needs. If you’re already a State Farm customer, you can save money by bundling your policies.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.