Updated: November 4, 2025
Advertising & Editorial Disclosure
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 12, 2025
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Table of Contents
MoneyGeek gathered quotes from multiple insurers for an average homeowner profile.
These rates reflect the average cost of home insurance in Nevada as of 2024.
Homeowners insurance with $250,000 in dwelling coverage, $125,000 in personal property, and $200,000 in liability coverage averages $1,092 annually in Nevada. This is less than the national average of $2,423.
When deciding on coverage, consider the costs of rebuilding your home and replacing your belongings. A policy with $100K in dwelling coverage averages $624 annually in Nevada. For $500K in dwelling coverage, the average premium costs $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 vary among providers for comparable coverage. Capital Insurance Group's annual premium is $864, $228 less than the state average, while COUNTRY Financial costs $1,418, $326 above the state average.
Underwriting differences create varied 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, $1,098 more than the state average of $1,092. Those with excellent credit pay $878, saving $214 below the average.
Compare insurers to find better rates. See which insurer offers the most savings in under 15 minutes.
| Poor | $2,190 |
| Below Fair | $1,701 |
| Fair | $1,372 |
| Good | $1,092 |
| Excellent | $878 |
Roof type affects homeowners insurance costs in Nevada. Tile roofs lower premiums, while shake-treated roofs increase premiums.
Construction materials affect rates. Fire-resistant materials cost less to insure than 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 are typically covered.
Premiums range from $980 to $1,301 across Nevada cities. Henderson's average homeowners insurance premium is $1,080, while Sunrise Manor's is $1,301. City location affects rates less than coverage amount.
| 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 is straightforward. Compare quotes to find a policy that fits your budget and needs.
Ask about bundling and protective device discounts.
Pick a deductible that fits your budget.
Check customer satisfaction ratings and financial strength.
Buy the policy that meets your needs and budget.
Nevada homeowners save money by bundling home and auto insurance policies. MoneyGeek's analysis shows bundling saves $42 to $416, averaging 7%. See MoneyGeek's Best and Cheapest Home and Auto Bundle Companies in Nevada analysis.
Nevada homeowners reduce premiums through discounts:
See our guide on home insurance discounts. Ask about all available discounts when requesting quotes.
Capital Insurance Group offers the lowest average premium at $864. Discover more about cheap national providers.
Homeowners insurance in Nevada typically covers wildfire damage.
Standard homeowners insurance doesn't cover flood damage. Buy flood insurance through the National Flood Insurance Program or a private insurer. Some insurers offer flood coverage as an endorsement.
Credit rating has the biggest impact. Excellent credit lowers premiums to $878 on average, compared to $2,190 for poor credit.
Bundling saves an average of 7%, up to $416.
Nevada homeowners can find additional information through these resources:
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.
