How much is homeowners insurance in Pahrump, Nevada?

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Our data shows that the average cost of homeowners insurance in Pahrump is $1,439 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $1,143 less than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Pahrump depend on several factors, including:

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

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in Pahrump, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Pahrump.

Key Takeaways

The cost of your homeowners insurance policy in Pahrump can vary based on factors such as your location, the value of your home, and the coverage options you select.
Nationwide is the cheapest homeowners insurance company in Pahrump with an average annual premium of $1,125 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $372 more annually for home insurance.

How much is homeowners insurance in Pahrump per month?

Residents of Pahrump pay an average of $120 a month for homeowners insurance. It’s same as the state average of $120 and $95 less than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Pahrump may change based on location, property value, and selected coverage options.

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

The average cost of homeowners insurance in Pahrump, NV is $1,067 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 Pahrump?

Homeowners in Pahrump typically pay an average of $1,439 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 $372 . 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 Pahrump by company?

After comparing several homeowners insurance companies, Nationwide offers the lowest rates in Pahrump. Its average annual rate for homeowners in Pahrump is $1,125 , while State Farm is the second-cheapest.

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

Home insurance company	Annual rate
Nationwide	$1,125
State Farm	$1,329
American Family	$1,490
CSAA Insurance (AAA)	$1,530
Farmers	$1,711
Country Financial	$1,919
USAA*	$1,330

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

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Nevada that can impact your home insurance

Living in Nevada comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

Nevada is commonly affected by Heat wave.

How home insurance protects you against natural disasters

Home insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

TIP

The best time to review your homeowners insurance is before a storm hits. If you’ve made upgrades to your home or live in a disaster-prone area, you may need more coverage than you think. A quick policy check now can prevent big financial losses later.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Pahrump 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.

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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.