Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Nevada Average homeowners insurance cost in Nevada Homeowners insurance in Nevada costs $1,444 per year or $120 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Gambhir is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Nevada homeowners insurance costs $1,444 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Nevada.Key TakeawaysHomeowners insurance costs an average of $1,444 a year, based on Insure.com analysis.Of all the ZIP codes in Nevada, 89701 has the most affordable home insurance rates at around $1,302 annually.In Nevada, Nationwide provides the most affordable home insurance at an average annual premium of $1,134.Average home insurance cost in Nevada by coverage levelIn Nevada, the annual homeowners insurance cost is $1,444, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $1,827 in Nevada, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Nevada based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,072 $89 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,093 $91 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,444 $120 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,467 $122 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,827 $152 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,853 $154 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,676 $223 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,707 $226 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,264 $355 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,304 $359 In Nevada, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in NevadaIt’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.We evaluated homeowners insurance providers in Nevada by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, American Family received the lowest NAIC score and an AM Best rating of A. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAmerican Family$1,490A0.375Nationwide$1,134A+0.874.85Farmers$1,609A0.544.57State Farm$1,339A++0.954.53Country Financial$2,144A+0.264.32CSAA Insurance (AAA)$1,618A1.234Average homeowners insurance cost by company in NevadaNationwide has the cheapest homeowners insurance rates in Nevada. Its average annual cost for Nevada homeowners is $1,134. State Farm and American Family also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Nevada with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateNationwide$1,134$94State Farm$1,339$112American Family$1,490$124Farmers$1,609$134CSAA Insurance (AAA)$1,618$135Country Financial$2,144$179USAA$1,234$103Nevada homeowners insurance rates by ZIP codeInsurance providers in Nevada factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Nevada, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in NevadaHomeowners insurance costs in Nevada can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 89701 area has the most affordable insurance rates, at $1,302 annually or $109 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Nevada.ZIP codeAverage annual rateAverage monthly rate89701$1,302$10989702$1,303$10989703$1,318$11089143$1,332$11189557$1,336$11189138$1,339$11289412$1,342$11289131$1,344$11289436$1,345$11289441$1,348$112Most expensive ZIP codes for home insurance rates in NevadaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Nevada, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.89109 has the most expensive homeowners insurance rates in Nevada at an average annual cost of $1,766.Below, we’ve highlighted some of the most expensive ZIP codes in Nevada for home insurance:ZIP codeAverage annual rateAverage monthly rate89109$1,766$14789101$1,751$14689104$1,720$14389121$1,718$14389119$1,713$14389169$1,705$14289106$1,700$14289030$1,633$13689004$1,605$13489032$1,592$133Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Nevada by cityFernleyIncline VillageLas VegasMesquitePahrumpRenoSilver SpringsSparksWest WendoverYeringtonShow moreHome insurance rate trend in NevadaWe analyzed home insurance rate trends in Nevada and found that homeowners insurance rates experienced an overall increase of only 1% or $11, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,193$1,433$1,444To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Nevada.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Nevada Average renters insurance cost in Nevada Average car insurance cost in Nevada Non-owner car insurance in Nevada How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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