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Nevada Homeowners Insurance Quotes

If you're looking for homeowners insurance quotes, look no further than HomeownersInsurance.com. Our agents work with multiple, highly-rated carriers to bring you a jackpot combination of coverage and price. Call us at 1-877-919-2740 or fill in your information above to protect your home today.

Why Nevada homeowners insurance?

Nevada, as the most mountainous state in the continental U.S., is understandably vulnerable to weather extremes. The state experiences thunderstorms, straight line winds, wildfires, and flash floods. Its location near the West Coast also leaves it vulnerable to earthquakes and landslides.

Nevada home insurance can protect your home against many potential disasters. A standard policy, however, will exclude flood, earthquake, and landslide damage. Consider purchasing an earthquake endorsement or a separate policy. If you live close to water, you can purchase a flood policy through the National Flood Insurance Program.

Home insurance rates in Nevada

Homeowners in Nevada are paying around $491.00 for home insurance as of March of 2014. Rates have decreased since February when Nevada homeowners insurance premiums were approximately $566.00. The rate of $491/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy.

Nevada home insurance savings

If you plan on saving money this year, start with your homeowners insurance premiums. Call us or enter your information above and our agents can get started qualifying you for discounts. You could save in ways you never knew possible.

Some common price breaks include:

  • Home and auto bundle: Purchase your auto insurance and your Nevada homeowners insurance through the same provider and you could save up to 20%.
  • Sustainable materials: If you choose to build or renovate your home using environmentally friendly materials and practices, you could earn a discount.
  • Non-smoking: You could save if no one in your household smokes.
  • Fire safety: In a state in which wildfires remain a threat, fire safety at home is important. Sprinkler systems and smoke detectors could earn you price breaks.
  • New home: If your home was built within the last 10 years, it could earn you savings on your monthly premiums.

Homeowners insurance: what Nevadans pay

When it comes to Nevada homeowners insurance, what happens here doesn't necessarily have to stay here. You can find out what fellow Nevada residents pay in monthly premiums to protect their homes, and use that information to determine what to pay. We've listed below the last 5 Nevada home insurance policies sold by HomeownersInsurance.com. Remember that policy prices vary by individual situation and house type.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $802 $963 $294 $355 $709
Premium with Auto Discount$682†$819†$250†$302†$603†
Carrier ASI Safeco ASI Safeco Safeco
Zip 89179 89123 89131 89441 89701
Year Built 2007 1994 2005 2006
Foundation type Slab Slab Slab Slab
Lot Size 261,360 Sq Ft 7,516 Sq Ft 3,485 Sq Ft 30,874 Sq Ft 3,484 Sq Ft
Square Feet 3,023 Sq Ft 2,034 Sq Ft 2,093 Sq Ft N/A 1,828 Sq Ft
Bedrooms 4 4 4 N/A 3
Bathrooms 3.0 2.5 2.5 N/A 2.0
Discounts














Primary Heat Source Central Gas Central Gas Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

Standard Nevada homeowners insurance coverage

What do you get for your premiums? Here's a hint: your coverage protects more than your house's structure. A standard homeowners policy will safeguard the following aspects of your home life:

  • Dwelling and Other Structures: Any structures on your property, whether attached to your house (Dwelling) or detached from it (Other Structures) receive protection from your policy.
  • Personal Property: Your insurance also safeguards the contents of your home, up to coverage limits.
  • Loss of Use: If your home becomes so badly damaged in a covered event that you are forced to move out while it undergoes repair, Loss of Use can help pay bills for hotels or restaurants.
  • Medical Payments: If someone becomes injured on your property but decides not to sue, you can receive help paying any medical bills involved.
  • Personal Liability: If someone sues you because of an injury sustained on your property, your policy can help you pay legal costs and the final judgment.

You can get more answers about insurance from the Nevada Department of Insurance.