Updated: October 21, 2025
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The average cost of homeowners insurance in Nevada in 2024 is $1,092. This is $1,331 less than the national average of $2,423. Aside from the amount of coverage you get, credit rating has the largest impact on premiums. Homeowners with poor credit may pay up to $1,312 more than those with excellent credit.
If your rates have recently increased, we've also analyzed the cheapest policies in Nevada.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 01, 2025
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Table of Contents
To establish the average cost of homeowners insurance in Nevada, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of home insurance in Nevada as of 2024.
In Nevada, the average homeowners insurance premium for a policy with $250K in dwelling coverage, $125K in personal property and $200K in liability coverage is $1,092. This is less than the national average of $2,423.
When determining how much coverage you need, consider the full cost to rebuild your home and replace personal belongings. For instance, a policy with $100K in dwelling coverage averages $624 annually in Nevada. If your home and possessions require $500K in dwelling coverage, the average premium rises to $1,942.
| $100K Dwelling / $50K Personal Property / $100K Liability | $624 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,092 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $1,942 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $2,787 |
Premiums for homeowners insurance in Nevada show notable variation among providers for comparable coverage. For instance, Capital Insurance Group's annual premium stands at $864, which is $228 less than the state average, while COUNTRY Financial's premium is $1,418, exceeding the state average by $326.
For those exploring options, there are plenty of great providers in Nevada. Differences in underwriting can lead to a wide range of pricing for similar policies.
| Capital Insurance Group | $864 |
| Farmers | $892 |
| American Family | $1,023 |
| Encompass | $1,065 |
| Nationwide | $1,085 |
| State Farm | $1,189 |
| USAA | $1,202 |
| COUNTRY Financial | $1,418 |
Homeowners in Nevada with poor credit scores pay an average of $2,190 annually for homeowners insurance, a striking $1,098 more than the state average of $1,092. Conversely, those with excellent credit enjoy a rate of $878, saving $214 below the average. Credit scores directly influence insurance premiums, reflecting the insurer's risk assessment based on the likelihood of a policyholder filing a claim.
While immediate improvement of your credit score may not be feasible, gradual enhancements can lead to lower rates over time. In the short term, it's beneficial to compare insurers to identify cost-effective options. Homeowners can assess which insurer offers the most savings within a brief comparison period of less than 15 minutes.
| Poor | $2,190 |
| Below Fair | $1,701 |
| Fair | $1,372 |
| Good | $1,092 |
| Excellent | $878 |
The type of roof on a home can influence the cost of homeowners insurance. In Nevada, homes with tile roofs, which tend to be more durable, usually see lower premiums. On the other hand, shake-treated roofs, which may be less durable, can lead to higher insurance costs.
Construction materials also play a role in insurance premiums. Homes built with materials that are more resistant to common perils, such as fire, often benefit from lower insurance rates. Superior construction materials can result in more favorable premiums compared to standard frame construction.
| $100K Dwelling / $50K Personal Property / $100K Liability | $624 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,092 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $1,942 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $2,787 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $3,614 |
Insuring a newly constructed home in Nevada generally costs less than covering an existing one. Homeowners can expect to pay an average premium of $644 for new constructions. This is due to modern building practices and materials that meet current codes.
| Existing Construction (2000) | $1,092 |
| New Construction (2023) | $644 |
In Nevada, homeowners with no claims in the past five years can expect an average annual premium of $1,092. However, one claim within the last five years can raise the average premium to $1,386, a $294 increase. Two claims in the same period can push the average cost to $1,621, which is $529 above the baseline with no claims.
| Claim free for 5+ years | $1,092 |
| 1 claim in past 5 years | $1,386 |
| 2 claims in past 5 years | $1,621 |
In Nevada, flooding, winter storms and wildfires pose risks to homes. However, standard homeowners insurance doesn't typically cover flood damage, so you may need separate flood insurance. Wildfires, on the other hand, are generally covered.
For the cities we analyzed, we found premiums ranging from $980 to $1,301. In Henderson, the average homeowners insurance premium is $1,080, while in Sunrise Manor, it's $1,301. Location impacts premiums due to local risks like crime and weather. City-based pricing variations are significant but not as much as coverage amount differences.
| Enterprise | $1,091 |
| Henderson | $1,080 |
| Las Vegas | $1,151 |
| North Las Vegas | $1,126 |
| Pahrump | $1,039 |
| Paradise | $1,271 |
| Reno | $996 |
| Sparks | $980 |
| Spring Valley | $1,172 |
| Sunrise Manor | $1,301 |
Shopping for home insurance in Nevada doesn't have to be a gamble. With the right information, you can confidently bet on finding a policy that fits your budget and needs. Remember, a great deal on homeowners insurance is within reach.
Ask about deals like bundles or security system discounts.
Pick a deductible that fits your budget.
Make sure the company is known for good service.
Buy the policy that meets your needs and budget.
In Nevada, homeowners can enjoy potential savings by bundling their home and auto insurance policies. According to MoneyGeek's analysis, the savings on the combined cost of auto and home insurance can range from approximately $42 to $416, with an average percentage savings of about 7%. This multipolicy approach not only simplifies your insurance management but also offers a bundle of savings. For more detailed insights, explore MoneyGeek's Best and Cheapest Home and Auto Bundle Companies in Nevada analysis.
Nevada homeowners can shave dollars off their insurance premiums through various discounts.
For a deeper dive into how you can save, explore our guide on home insurance discounts. Remember, to maximize your savings, inquire about all available discounts when requesting a quote.
Capital Insurance Group offers the lowest average premium at $864. Discover more about cheap national providers.
Homeowners insurance in Nevada typically covers wildfire damage.
Flood insurance is not typically included in a standard home policy. It can be purchased through the National Flood Insurance Program or a private flood insurer, and some home insurers offer it as an endorsement.
Credit rating is a significant factor, with excellent credit lowering premiums to $878 on average, compared to $2,190 for poor credit.
Bundling can save an average of 7%, up to $416.
For homeowners in Nevada seeking further information about insurance options, regulations and tools for making informed decisions, the following resources can be incredibly helpful:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
