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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.

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#2
Progressive
  • HomeQuote explorer
  • Alarm system discounts
  • #1 in online home insurance quotes
  • Available in Las Vegas
Location
6628 Sky Pointe, Ste. 119
Las Vegas, NV 89131
(702) 251-4000
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#3
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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#4
State Farm
  • Free online quotes
  • Condo unit insurance
  • Home inventory tools
  • Available in Las Vegas
Location
3220 S Durango Dr., Ste. B3
Las Vegas, NV 89117
(702) 901-8787
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State Farm: Ryan Janet
  • M-Th: 9am - 5:30pm
  • F: 9am - 5pm
  • Sat: 10am - 2pm
  • Closed Sun
Location
6795 W. Tropicana Ave., Ste. 110
Las Vegas, NV 89103
(702) 876-4006
Allstate Insurance: Bryan Vazquez
  • 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
  • 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

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.

Progressive

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

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