How much is homeowners insurance in Mesquite, Nevada?

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.

In Mesquite, homeowners pay an average annual rate of $1,478 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $1,104 less than the national average of $2,582 .

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

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

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

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

Key Takeaways

Homeowners insurance costs $1,478 per year in Mesquite.
At $1,170 per year, Nationwide offers the cheapest homeowners insurance in Mesquite.
Your home insurance rates increase by $390 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Mesquite per month?

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Mesquite pay an average of $123 per month. It’s $3 more than the state average of $120 and $92 less than the national average for home insurance across the nation.

How much is homeowners insurance for a $200,000 house in Mesquite?

The average cost of homeowners insurance in Mesquite, NV is $1,088 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

How much is homeowners insurance for a $300,000 house in Mesquite?

Homeowners in Mesquite typically pay an average of $1,478 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $390 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Mesquite by company?

Among the carriers we analyzed, Nationwide is the cheapest homeowners insurance company in Mesquite. Its average annual rate for Mesquite homeowners is $1,170 , while State Farm ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Mesquite and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home insurance company	Annual rate
Nationwide	$1,170
State Farm	$1,296
American Family	$1,490
CSAA Insurance (AAA)	$1,641
Country Financial	$1,791
Farmers	$1,938
USAA*	$1,178

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in Nevada that can impact your home insurance

Living in Nevada comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Nevada is commonly affected by Heat wave.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

TIP

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Mesquite for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

How much is home insurance in other cities?

Shivani Gite

Contributing Writer

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.