How much is home insurance in Las Vegas?

Home insurance in Las Vegas is $1,399 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 of your home, square footage of your home, and the coverage levels you choose.

Which company has the cheapest homeowners insurance in Las Vegas?

Travelers has the cheapest homeowners insurance in Las Vegas, with annual premiums of $897.Other affordable insurers in the city include American Family and Universal Insurance Company, with annual premiums of $1,066 and $1,067, respectively.

Does Nevada require homeowners insurance?

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.

Best Homeowners Insurance in Las Vegas (2024)

Best companies
Cheapest insurers
Home insurance cost
Get cheap insurance
Coverage amount
FAQs

Best companies
Cheapest insurers
Home insurance cost
Get cheap insurance
Coverage amount
FAQs

If you’re shopping for homeowners insurance in Las Vegas, you’ll likely pay significantly less for a standard policy than you would in many other states. Homeowners in Vegas pay an average of $1,399 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 an 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

Home insurance in Las Vegas is cheaper than the national annual average of $2,377 for a $300,000 dwelling coverage policy with a $1,000 deductible.
Certain insurance companies offer policies for seasonal homes if you live in Las Vegas part time.
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’ll have plenty of options available. The best home insurance company for you depends on your unique situation and needs.

Insurance Company	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.	Average Annual Premium	Best For
Travelers	3.9	$897	Cheapest rates
American Family	4.3	$1,066	Earthquake coverage
Foremost	2.6	$1,156	Vacation homes
State Farm	4.1	$1,179	Discounts

How Insurify rates insurance companies
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Cheapest rates: Travelers

cheapest ratesTravelers

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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.	9.0/10
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	829
$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.	$75/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.	$125/mo

Overview

If you’re looking for an affordable homeowners insurance policy in Las Vegas, Travelers is a good option. It offers the cheapest average annual premiums by far, with homeowners paying $897 per year.

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 and discounts for installing certain protective devices, such as automatic water shut-offs or home security systems.

Pros and cons

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

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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.	9.1/10
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	840
$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.	$86/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.	$117/mo

Overview

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 and cons

Pros

Offers earthquake coverage in Nevada
Above-average J.D. Power claims 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 customer satisfaction rating

Best insurer for vacation homes: Foremost

vacation homesForemost

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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.	7.4/10
$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.	$96/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.	$182/mo

Overview

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 and cons

Pros

Seasonal home coverage available
Owned by Farmers, a longstanding insurance company
AM Best financial strength rating of A (Excellent)

Cons

Not rated in J.D. Power’s 2023 U.S. Home Insurance Study
Mixed customer reviews on Trustpilot
Higher premiums than some competitors

Best insurer for discounts: State Farm

discountsState Farm

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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.	9.3/10
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
$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.	$122/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.	$185/mo

Overview

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 for installing burglar alarms, sprinklers, and smoke detectors; and specialized discounts for using certain roofing materials or abiding by certain construction standards. Available discounts can vary, though.

If you can take advantage of multiple discounts, it could reduce the cost of your insurance premiums fairly significantly. This may result in more competitive insurance rates and more money in your pocket.

Pros and cons

Pros

Multiple available discounts
Longstanding insurance company
High liability coverage limits with umbrella policy

Cons

Not the cheapest insurer
Not as many available discounts as some insurers
Low customer satisfaction ratings

Cheapest home insurance in Las Vegas

Travelers offers the cheapest home insurance coverage, with Las Vegas homeowners paying around $897 per year. North Las Vegas residents pay even less for homeowners policies from Travelers, at an average of $803 annually.

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

Insurance Company	Average Annual Premium
Travelers	$897
American Family	$1,066
Universal Insurance Company	$1,067
Allied Insurance	$1,141
Foremost	$1,156
State Farm	$1,179
Allstate	$1,185
Capital Insurance Group	$1,322
USAA	$1,494
Country	$1,496

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Cost of homeowners insurance in Las Vegas

The average cost of homeowners insurance in Las Vegas is $1,399 per year, 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. Here’s a breakdown of how different factors could influence your homeowners insurance rates.

Cost of homeowners insurance by dwelling coverage amount

As with most things, more insurance coverage costs more money. So if you opt for a higher dwelling coverage amount, your home insurance premiums will also be higher. But a higher cost doesn’t mean you should opt for a lower coverage limit. Ideally, your dwelling coverage should equal the cost of replacing your home in the event of a total loss.

Here’s a look at how different dwelling coverage limits affect annual premiums. Rates shown are for policies in Nevada with a $1,000 deductible.

Coverage Limit	Average Annual Premium
$100,000	$628
$200,000	$919
$300,000	$1,224
$400,000	$1,607
$500,000	$2,020

Cost of homeowners insurance by deductible

When you get homeowners insurance, you can also generally choose your deductible, which is the amount you pay after filing a claim before your home insurance kicks in. Certain insurance companies may offer deductibles as low as $500 or $1,000.^[3] But opting for a higher deductible could help reduce the cost of your insurance premiums. Lower deductibles typically result in higher premiums.

Here’s how your home insurance deductible could affect your insurance prices in Las Vegas. Rates shown are for a policy with $300,000 in dwelling coverage.

Deductible Amount	Average Annual Premium
$500	$1,472
$1,000	$1,399

How to get cheap homeowners insurance in Las Vegas

You have several strategies to consider if you’d like to get cheap homeowners insurance in Las Vegas. Most importantly, though, you should compare quotes from different companies, as costs differ depending on the insurance company you choose.

Here are some other helpful tips for saving on your home insurance:^[4]

Choose a higher deductible. Opting for a higher deductible on your policy could help you save on your premiums. But remember: You need to ensure you can afford your deductible if you need to file a claim after a covered loss. Don’t choose a deductible that’ll stretch your budget too far.
Install home safety features. Many insurance companies offer special discounts for homeowners who install certain safety features. For example, you might get lower premiums if you have a sprinkler system, home security system, and smoke detectors. While these things come with an up-front cost, they could save you money over time.
Ask prospective insurers about discounts. Besides discounts for home safety features, many insurers also offer other discounts. Common ones include bundling different insurance products, claims-free, loyalty, paperless statements, and paid-in-full discounts. Taking advantage of these can help you save a decent sum on your insurance.

Keep Reading: Best Home Insurance Discounts and How to Get Them

Nevada homeowners insurance rates by city

Homeowners insurance rates in the state of 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.

Average Annual Premiums by City

Category	Price
Carson City	1089
Fallon	1126
Sparks	1165
Reno	1170
Sun Valley	1179
Henderson	1251
North Las Vegas	1292

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. For instance, 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 are some of the biggest risks when owning a home in Las Vegas?

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:

Fires
It’s very hot and dry in Las Vegas, and hundreds of wildfires occur each year in Nevada.^[5] 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.
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.
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.

Las Vegas homeowners insurance FAQs

If you’re searching for a home insurance policy in Sin City, this additional information may help as you research your coverage options.

How much is home insurance in Las Vegas?
Home insurance in Las Vegas is $1,399 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 of your home, square footage of your home, and the coverage levels you choose.
Which company has the cheapest homeowners insurance in Las Vegas?
Travelers has the cheapest homeowners insurance in Las Vegas, with annual premiums of $897.
Other affordable insurers in the city include American Family and Universal Insurance Company, with annual premiums of $1,066 and $1,067, respectively.
Does Nevada require homeowners insurance?
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.

Popular cities

Sources

Nevada Division of Insurance. "Earthquake Insurance."
National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
Insurance Information Institute. "Understanding your insurance deductibles."
Insurance Information Institute. "How to save money on your homeowners insurance."
Nevada Legislative Counsel Bureau Research Division. "Wildfires in Nevada: An Overview."

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.

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Edited byAshley CoxSenior Managing Editor

Ashley CoxSenior Managing Editor

7+ years in content creation and management
5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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