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Find the Best Homeowners Insurance in Las Vegas, NV

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. We researched the best homeowners insurance in Las Vegas to help you find a policy that protects your most valuable asset.

Compare Las Vegas Homeowners Insurance

Lemonade
Overall satisfaction rating
  • Covers dwellings, loss of use, property and liability
  • Discounts for bundling policies
  • Policies for condos
  • Available in Las Vegas and select states
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EverQuote
  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Las Vegas
Allstate
Overall satisfaction rating
  • Personalized online quotes
  • Bundle home and auto insurance to save
  • File and track claims through the app
  • Available in Las Vegas

Custom coverage with dwelling, property, liability and medical options. Discounts for multiple policies, on-time payments, customer loyalty and more. Policies for mobile homes, home-sharing, floods and umbrella coverage.

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State Farm
Overall satisfaction rating
  • Free online quotes
  • Condo unit insurance
  • Home inventory tools
  • Available in Las Vegas

Offers policies with custom coverages and deductibles through national local agent networks. Discounts for bundled policies, home security and impact-resistant roofs. Online quotes, claims and policy management.

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Progressive
Overall satisfaction rating
  • HomeQuote explorer
  • Alarm system discounts
  • #1 in online home insurance quotes
  • Available in Las Vegas

Offers flexible coverage options and provides online quotes and claims. Discounts for bundled policies, new homeowners and houses with security systems. Provides 24/7 customer support.

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GEICO
  • Liability coverage
  • Home security discount
  • 24/7 customer service
  • Available in Las Vegas
 Location
3315 West Craig Rd., Ste. 110
Las Vegas, NV 89032
(702) 643-0057
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Liberty Mutual
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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

Homeowners Insurance Reviews

Lemonade

Lemonade is an online insurance provider offering discounted coverage for homes with an alarm system, a monitoring system or smoke detectors. The company’s policies cover liability, personal property, loss of use and dwellings. Lemonade’s Giveback program donates your unused claims to a charity of your choice.

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Allstate

Allstate is a national insurer that has been protecting people and their assets for over 85 years. Las Vegas customers can get discounts for bundling homeowners insurance with car insurance, setting up automatic payments, being claim-free and for switching to Allstate from a different provider. In addition to standard coverages, optional coverages and features are available. Allstate gets mixed reviews for claims handling and pricing.

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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.

State Farm

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.

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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.

 GEICO