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Nevada Homeowners Insurance Quotes

The state of Nevada has some of the wildest and most beautiful landscapes in the country. Whether you love to get out in the desert on your four-wheeler, head to Lake Tahoe for boating or enjoy the bright lights of Las Vegas, the state of Nevada has you covered.

While almost 75 percent of our population lives in Clark County, which contains the Las Vegas-Paradise metropolitan area, Nevada has plenty of other areas that are great places to call home. Nevada is large, ranking as the 7th most extensive state in the nation but we have plenty of open space, Nevada ranks 9th in the least densely populated states.

Regardless of whether you decide to put down roots in the Las Vegas area or buy a home in our capitol city of Carson City, moving to Nevada is one of the best decisions you will ever make.

Nevada Facts

According to the Census Bureau, Nevada had an estimated population of 2,839,099 in 2014, which is an increase of 5.13%, since the year 2010.

While growth has slowed in recent years, Nevada was the eighth fastest growing state in the nation according to the 2006 census. Las Vegas is by far the largest city in the state with a population of 603,000 residents, dwarfing the number two city of Henderson which 270,000 call home. If you are looking for a small town feel, consider Incline Village in Washoe County, the Lake Tahoe area. Housing options abound in the Silver State.

Median income in Nevada was $51,230 in 2013, the latest figures available which ranks it as a fairly unimpressive 39th in the country. The cost of housing can vary dramatically across the state which means that just about everyone can find an affordable housing option.

According to Zillow the median home value in Nevada is $195,600 making homeownership very affordable. While Nevada real estate prices took a hit during the Great Recession, they are starting to climb back. Prices shot up 11.3 percent last year and Zillow is predicting they will go up another 5.5 percent this year so it's a good time to get in the market.

Areas like Gardnerville tend to have higher home values with a median price hitting $258,000 while the more affordable option of Fernley comes in at a much more reasonable $148,000.

Homeowers Insurance in Nevada

Another great thing about living in Nevada is the cost of homeowners insurance. Only 18 states have a lower average premium than us. The median annual premium comes in at a very affordable $584.

If you want to drive your insurance cost even lower, most experts recommend shopping your policy on an annual basis. We can help you find a great policy at an affordable price. We shop a huge number of national insurers to come up with the best deal for you. Best of all, the service is free and convenient.

Another great way to save is to adding home security. Adding a monitored security system can result in a fairly significant discount. Discounts will vary so contact your insurer for details.

Factors to Consider in Nevada

Nevada is fairly lucky when it comes to natural disasters. Earthquakes are rare, and tornadoes are almost non-existent. Flooding however can be an issue. Hot, dry air hardens the earth, which doesn't easily absorb water so heavy rains can lead to flash flooding.

Flood damage is not covered by a normal homeowners policy so it is extremely important to purchase an additional flood policy if your home is located within a flood zone. This can also be important in the Lake Tahoe area of Washoe County. Costs will vary depending on the location of your home but in general, flood insurance can be fairly expensive.

Crime rates will also affect your homeowners rates and unfortunately Nevada has plenty of crime. The Silver State ranks number two in the country when it comes to crime rates. Our robbery rate, motor-vehicle theft rate and aggravated assault rate are quite high compared to other states and this will absolutely affect your insurance rates, regardless of whether you live in Reno or Minden.

There are a number of websites that will break down crime rates by neighborhood and it is a good idea to check any areas that you are considering. If the crime rate is too high, move on to the next area.

If you are moving to Kingsbury, Blue Diamond, Spanish Springs or any of Nevada's other beautiful cities we can help. We work with some of the largest insurance companies in the state and can help you find the best coverage at an affordable price.

Average Homeowners Insurance Premiums in Nevada

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Nevada homeowners are paying on average. Did you know that the average homeowners insurance premium in Nevada is $824? Nevada is now ranked 47 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Nevada is 37.15% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$824 (4.2%)$ 6947
2019$791 (1.9%)$ 6648
2018$776 (2.74%)$ 6548
2017$755 (1.74%)$ 6348
2016$742 (0.68%)$ 6248

When we combine the state averages over the last decade, the Nevada overall average is estimated to be around $810.73. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Nevada current state rank compare to the rest of the country is #47. Consider shopping your Nevada home insurance with us so we can help you save up to 40% or more on your policy.

Find Local NV Homeowners Insurance Quotes & Coverage

For more information on homeowners insurance in your area, choose a county below:

Nevada Homeowners Insurance News & Information

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

Nevada Housing & Real Estate Data

Details:Staticstics
Total Housing Units1173814
Occupied Housing Units1006250
Vacant Housing Units167564
Vacant Housing Units for Rent61985
Vacant Housing Units Rented Not Occupied1838
Vacant Housing Units For Sale32949
Vacant Housing Units Sold Not Occupied3416
Vacant Housing Units For Seasonal Occasional Use32703
Vacant Housing Units All Other Vacants34673
Housing Units Homeowner Vacancy Rate Percent5.2
Housing Units Rental Vacancy Rate Percent13
Housing Tenure Occupied Units1006250
Housing Tenure Occupied Units Owner Occupied591480
Housing Tenure Occupied Units Owner Occupied Population1574145
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.66
Housing Tenure Occupied Units Renter Occupied414770
Housing Tenure Occupied Units Renter Occupied Population1090252
Housing Tenure Occupied Units Renter Occupied Average Household Size2.63

Understanding Nevada Homeowners Insurance

When shopping for Nevada homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Nevada renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Nevada, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Nevada rates and coverage options.