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5 Best Las Vegas Homeowners Insurance Companies (2025)

Travelers, American Family, and Foremost offer some of the best homeowners insurance policies in Las Vegas.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • Más de 10 años escribiendo sobre seguros y finanzas personales

  • Ex editora asociada de finanzas de Investopedia

Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.

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Becky Helzer
Edited byBecky Helzer
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

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Homeowners in Las Vegas pay an average of $1,392 per year for a home insurance policy with a $1,000 deductible and $300,000 in dwelling coverage, Insurify data shows.

While its rates for standard coverage are affordable, Las Vegas is also prone to earthquakes, so you may need to pay extra for add-on or stand-alone earthquake insurance. Here’s what you need to know about comparing home insurance quotes and finding coverage in Sin City.

Quick Facts
  • Travelers, American Family, and Foremost offer the cheapest homeowners insurance policies, on average, in Las Vegas.

  • Homeowners insurance in Las Vegas with $400,000 in dwelling coverage costs an average of $1,836 per year.

  • The dry, hot climate in Las Vegas means that homes may be susceptible to fire.

Best home insurance companies in Las Vegas

Many top homeowners insurance companies offer coverage in Las Vegas, so you have plenty of options available. The best home insurance company for you depends on your unique situation and needs.

Cheap rates: Travelers

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
609
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$64/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$105/mo

If you’re looking for an affordable homeowners insurance policy in Las Vegas, Travelers is a good option. It offers some of the cheapest average annual premiums.

Besides affordable rates, Travelers also offers a handful of discounts to further reduce the cost of your home insurance. You can get a bundling discount for having multiple policies, as well as discounts for installing certain protective devices, such as automatic water shut-offs or home security systems.

Pros
  • Cheap rates

  • Some available discounts

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Fewer available discounts than some competitors

  • Below-average J.D. Power customer satisfaction rating

  • Poor customer reviews on Trustpilot

Best insurer for earthquake coverage: American Family

earthquake coverageAmerican Family logoAmerican Family

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.6/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$100/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$142/mo

Nevada has the third-most number of major earthquakes (with a magnitude of 5.0 or above) of any U.S. state.[1] The largest recent quake in Nevada was a 6.5-magnitude quake in May 2020.

American Family offers earthquake insurance coverage to Silver State residents, and having this added coverage could provide valuable peace of mind. It can help protect your home, garage, other structures in your yard, and your personal belongings in the event of a major quake — or even a minor quake that causes property damage.

Pros
  • Offers earthquake coverage in Nevada

  • Above-average J.D. Power customer satisfaction rating

  • AM Best financial strength rating of A (Excellent)

Cons
  • Earthquake coverage not part of standard homeowners policies

  • Fewer available discounts than some competitors

  • Below-average J.D. Power claims satisfaction rating

Best insurer for vacation homes: Foremost

vacation homesForemost logoForemost

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
5.2/10
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$305/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$576/mo

Las Vegas’ warm climate and bustling tourist sector make it a popular destination for seasonal residents seeking solace from cold winters. But not all homeowners insurance companies issue policies for seasonal homes.

If you’re considering buying a vacation home in Las Vegas, Foremost might be worth a look for home insurance. This company offers special insurance coverage for seasonal homes, which can be more susceptible to certain issues if they’re unoccupied for months. Its seasonal homeowners policies protect your home from damage due to fire, explosion, lightning, wind and hail, and more.

Pros
  • Seasonal home coverage available

  • Owned by Farmers, a longstanding insurance company

  • AM Best financial strength rating of A (Excellent)

Cons
  • Below-average J.D. Power customer satisfaction rating

  • Poor customer reviews on Trustpilot

  • Higher premiums than some competitors

Best insurer for discounts: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$99/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$150/mo

While it doesn’t offer the cheapest coverage for Las Vegas residents among the insurers on our list, State Farm does offer several discounts for homeowners. You can get discounts for bundling your homeowners, auto insurance, or life insurance.

Home security discounts are also available for installing burglar alarms, sprinklers, and smoke detectors. Finally, you can save money by using certain roofing materials or abiding by certain construction standards. Available discounts can vary, though. Taking advantage of multiple discounts could reduce your insurance premiums fairly significantly. This may result in more competitive insurance rates and more money in your pocket.

Pros
  • Multiple available discounts

  • Longstanding insurance company

  • Above-average J.D. Power customer satisfaction rating

Cons
  • Not the cheapest insurer

  • F rating from the Better Business Bureau (BBB)

  • Below-average J.D. Power claims satisfaction rating

Best insurer for wildfire protection: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$100/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$134/mo

USAA offers home insurance to military members, veterans, and their families. With more than 205,000 veterans living in Nevada, many homeowners may benefit from USAA’s coverage options and strong customer service.

Since Las Vegas summers are hot, with high winds and low humidity, wildfires are a year-round risk. USAA’s Wildfire Response Program reduces the risk of losing your home during an active wildfire — and if your Nevada homeowners policy is with USAA, you’re automatically enrolled.

Pros
  • High J.D. Power customer satisfaction score

  • High J.D. Power claims satisfaction score

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Available only to military members, veterans, and their families

  • No new-home discount

  • Not BBB accredited

  • Our editorial team analyzed regional and national home insurance companies that sell policies in Las Vegas to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

How much is home insurance in Las Vegas?

The average cost of homeowners insurance in Las Vegas with $300,000 in dwelling coverage is $116 per month, or $1,392 per year. This is slightly higher than the statewide average of $1,260 per year for the same coverage levels.

But your insurance company will consider many factors when determining your insurance rates, including your ZIP code, home age and type, and home features.[2]

The amount of dwelling coverage, liability insurance, personal property coverage you want, and your chosen deductible will also affect the cost of your insurance.

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Cheapest home insurance companies in Las Vegas

Travelers offers the cheapest home insurance coverage, with Las Vegas homeowners paying around $64 per month for $300,000 in dwelling coverage.

The table below highlights some other top insurance companies offering affordable coverage. Rates shown are for policies with a $1,000 deductible and $300,000 in dwelling coverage.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Travelers$540
Capital Insurance Group$636
Allstate$744
American Family$792
Farmers$852
State Farm$912
Encompass$924
Allied$936
USAA$960
CSAA$1,128
COUNTRY Financial$1,260
Foremost$2,220
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Capital Insurance Group$1,200
Travelers$1,260
USAA$1,608
American Family$1,704
State Farm$1,800
Allstate$1,812
Allied$2,004
Farmers$2,100
CSAA$2,196
COUNTRY Financial$2,508
Encompass$2,652
Foremost$6,912
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Capital Insurance Group$1,692
Travelers$1,776
USAA$2,088
American Family$2,196
State Farm$2,544
Allstate$2,880
Allied$2,964
Farmers$2,976
CSAA$3,120
COUNTRY Financial$3,660
Encompass$4,092
Foremost$11,700

How much homeowners insurance do you need in Las Vegas?

If you plan to take out a mortgage or have an existing one on your Las Vegas home, your mortgage lender will require you to have a home insurance policy. The amount of homeowners insurance you need will depend on how much dwelling and personal belongings coverage you need as well as other factors.

Whether you’re working with an independent insurance agent or comparing quotes on your own, it’s important to understand exactly what your home insurance policy covers.

Below are the four main components of a standard home insurance policy:

  • Dwelling coverage: This pays to repair or rebuild your home if a covered peril damages or destroys it. You’ll want to choose enough dwelling coverage to rebuild your home if it’s a total loss.

  • Personal property: If a covered peril damages your belongings, such as clothing, furniture, or electronics, home insurance will pay to replace them. Creating a home inventory can help you determine how much personal property coverage you need.

  • Additional living expenses: If your home becomes uninhabitable, this portion of your policy pays for your temporary living expenses beyond the norm, such as hotel stays.

  • Personal liability: If someone is injured on your property and sues you, personal liability pays for medical bills and any legal fees.

Most standard policies don’t cover earthquake or flood damage, and both of these things are relatively common in Las Vegas. Read the fine print to ensure you understand your insurance policy terms and have the type of coverage you need.

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What to know about home insurance in Las Vegas, NV

Las Vegas has a desert climate, which means it’s typically hot and dry. This could put your home at a higher risk of fire, but you should also be aware of other potential natural disasters and risks when you’re purchasing a homeowners policy.

Here are some things your Las Vegas home might be susceptible to:

  • illustration card https://a.storyblok.com/f/162273/150x150/9e462f87fd/insurify-icons-auto-orange-96x96_010-house.svg

    Fires

    It’s very hot and dry in Las Vegas, and hundreds of wildfires occur each year in Nevada.[3] It’s important to ensure your insurance company will cover your home in the event of a fire. Most standard homeowners insurance policies provide coverage for wildfires.

  • illustration card https://a.storyblok.com/f/162273/x/a0c151e1ba/accidental-tearing-apart-cracking-etc.svg

    Earthquakes

    Earthquakes are another concern for Nevada homeowners. The state has the third-highest rate of major quakes among all U.S. states, according to the Nevada Division of Insurance. Most standard policies don’t cover earthquake damage. Instead, you’ll need to purchase a stand-alone earthquake policy or an add-on policy. Ask potential insurers how they can protect your home from quakes.

  • illustration card https://a.storyblok.com/f/162273/150x150/56dd10ca36/climate-change-96x96-yellow_013-flood.svg

    Flash floods

    Because it’s such a dry climate, flash flooding can also occur. Arid soil may not absorb rainwater, resulting in unexpected floods. Since most standard homeowners policies don’t cover flood damage, you’ll want to ensure your house has adequate coverage if you live in an area prone to floods. Learn more about the National Flood Insurance Program and your coverage options.

Average cost of home insurance in other cities in Nevada

Homeowners insurance rates in Nevada also vary by city, with Las Vegas residents paying some of the highest rates in the state. Because Las Vegas is such a popular tourist destination, insurance companies may view the area as more prone to break-ins and theft, leading to higher homeowners insurance costs.

Insurance companies also consider area crime rates, severe weather or natural events, proximity to public safety services, home materials, and more when determining insurance costs.

Here’s how average premiums compare in other Nevada cities for policies with a $1,000 deductible and $300,000 in dwelling coverage.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
City
sort ascsort desc
Average Annual Premium
sort ascsort desc
Reno$1,248
Las Vegas$1,392

Las Vegas homeowners insurance FAQs

The following information can help answer any remaining questions as you research your coverage options in Las Vegas.

  • Home insurance in Las Vegas averages $1,392 per year for a policy with a $1,000 deductible and $300,000 in dwelling coverage, according to Insurify data. But your home insurance rates will depend on many factors, including your ZIP code, age and square footage of your home, and the type of homeowners policy and coverage levels you choose.

  • Travelers has the cheapest homeowners insurance in Las Vegas, with an average monthly premium of $64 for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Other affordable insurers in the city include American Family and Universal Insurance Company.

  • No. Nevada doesn’t require homeowners insurance. But your lender will require you to carry coverage if you have a mortgage on your home. It’s important to have home insurance even if you don’t have a mortgage because it can help pay for costly repairs if a covered peril, such as a fire or earthquake, damages your home.

  • There’s no one “best” homeowners insurance company in Las Vegas. But Travelers, American Family, and State Farm are a few of the best home insurance companies in Las Vegas.

  • Fire insurance, which is another name for homeowners insurance, tends to be more expensive in Nevada than the national monthly average of $211 for $300,000 in dwelling coverage with a $1,000 deductible.

Methodology

Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.

Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:

Default Coverage Assumptions

  • Dwelling coverage: $300,000
  • Deductible: $1,000
  • Personal property limit: $25,000
  • Liability limit: $300,000

Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.

Sources

  1. Nevada Division of Insurance. "Earthquake Insurance."
  2. National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
  3. Nevada Legislative Counsel Bureau Research Division. "Wildfires in Nevada: An Overview."
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Jess has been a contributor at Insurify since September 2022.

Becky Helzer
Edited byBecky HelzerEditor
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

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