How much is homeowners insurance in Las Vegas,NV

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In Las Vegas, homeowners pay an average annual rate of $1,512 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,070 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Las Vegas depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Las Vegas, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Las Vegas.

Key takeaways

The average cost of homeowners insurance in Las Vegas is $1,512 per year.
Nationwide is the cheapest homeowners insurance company in Las Vegas with an average annual premium of $1,190.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $382 more a year for home insurance.

How much is homeowners insurance in Las Vegas per month

According to our rate analysis, homeowners in Las Vegas pay an average of $126 per month. It’s $6 more than the state average of $120 and $89 less than the national average for home insurance across the United States.

In Las Vegas, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Las Vegas

In Las Vegas, NV, homeowners pay an average of $1,130 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

How much is homeowners insurance for a $300,000 house in Las Vegas

According to a rate analysis by Insure.com, homeowners in Las Vegas pay an average of $1,512 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $382 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Las Vegas by company

After evaluating several carriers, Nationwide is the least expensive homeowners insurance provider in Las Vegas. It’s average annual rate for homeowners in Las Vegas is $1,190.

Farmers holds the second position, while American Family secures the third spot with an average annual home insurance rate of $1,490.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Las Vegas and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Las Vegas and their average annual premiums.

Home insurance company	Annual rate
Nationwide	$1,190
Farmers	$1,404
American Family	$1,490
State Farm	$1,528
CSAA Insurance (AAA)	$1,642
Country Financial	$2,725
USAA*	$1,356

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Las Vegas for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.