The Best Cheap Homeowners Insurance in North Las Vegas, Nevada for 2024: Quotes and Reviews

Most home insurance providers in North Las Vegas offer the same core coverages, so cost is a very big factor for homeowners to consider. Because rates vary from insurer to insurer, it’s best to compare quotes for homeowners insurance in North Las Vegas.

On average, the cheapest companies in North Las Vegas for homeowners insurance with $250,000 in dwelling coverage are:

• Travelers: $665 per year
• Universal North America: $698 per year

For homeowners with expensive homes and $2 million in dwelling coverage, we found the average cheapest homeowners insurance in North Las Vegas is with:

• American Family: $3,229 per year
• Farmers: $4,822 per year

You can immediately see how prices differ by changing the dwelling coverage limits in the table below.

The policy that MoneyGeek used with $250,000 initial baseline dwelling coverage has a personal property limit of $100,000. But, the policy with dwelling coverage of $2 million has a personal property limit of $800,000. Both policies have $100,000 in liability coverage.

If you’re out of state or live outside of North Las Vegas, you can review home insurance costs in Nevada.

The average homeowners insurance premium in North Las Vegas is $930 annually. It is around $24 more than the Nevada state average of $906 but much more affordable than the national average of $2,103 — about $1,173 less!

Where you live directly affects the cost of your home insurance in North Las Vegas. Other important factors include dwelling coverage limits, how much personal property coverage you buy, and your credit score.

To find coverage and a rate that suits your needs, compare quotes in Nevada using MoneyGeek’s home insurance calculator.

One of the main factors most homeowners look at when purchasing homeowners insurance in North Las Vegas is price. However, you should also prioritize financial stability and customer satisfaction to find the best option in the city.

Based on MoneyGeek’s findings, the best homeowners insurance companies in North Las Vegas are:

• Best Overall: Travelers
• Runner-up: American Family

MoneyGeek ranked home insurance companies in North Las Vegas by affordability, customer satisfaction and financial stability.

Homeowners with a newly constructed home could pay significantly less for home insurance in North Las Vegas. Because newer homes use modern materials that are more damage-resistant, they cost less to replace, and the chances of a claim are lower than an older home.

In North Las Vegas, newly constructed homes cost an average of $663 per year to insure. In contrast, it costs an average of $930 per year for a home built in 2000.

The cheapest providers in North Las Vegas for homeowners insurance for newly constructed homes are:

• Travelers: $474 per year on average
• Universal North America: $498 per year on average

One of the features of home insurance is the included coverage of personal property within your home. With MoneyGeek’s standard policy in North Las Vegas, homeowners pay around $1,008 per year for a personal property limit of $250,000. But with a $100,000 personal property coverage limit, they pay an average of $930 per year.

Based on MoneyGeek’s research, the average cheapest homeowners insurance in North Las Vegas for high personal property limits is offered by:

• Travelers: $720 per year
• Universal North America: $756 per year

How much you pay for your deductible affects your monthly premium for homeowners insurance in North Las Vegas. With a high deductible, you pay less per month but more when you file a claim. Based on MoneyGeek’s research, it costs an average of $822 per year if you have a deductible of $2,000. Meanwhile, you pay an average of $930 per year for a deductible of $1,000.

The companies that offer the average cheapest homeowners insurance in North Las Vegas with a $2,000 deductible are:

• Travelers: $588 per year
• Universal North America: $617 per year

Your credit score is a factor that insurers look at to determine home insurance quotes in North Las Vegas. Individuals with poor credit pay more than people with good or better credit. MoneyGeek found homeowners with poor credit pay an average of $1,775 per year, while those with good credit pay an average of $930 per year.

The cheapest home insurance companies, on average, in North Las Vegas for those with poor credit are:

• Country Financial: $1,095 per year
• Universal North America: $1,113 per year

If you’re collecting home insurance quotes in North Las Vegas, you want to gather the following details before you begin.

• Cost of home replacement: If your home is destroyed, how much will it cost to rebuild? Insurers ask for this to determine your dwelling coverage limit. It’s wise to ask for help from a construction or real estate professional.
• Personal property value: Figure out how much your belongings are worth. That determines your personal property coverage limit.
• Personal information: Gather your insurance history, how many people are in your household and your personal details.
• Property information: You need to provide the age and size of your home and any safety system information.

In partnership with Quadrant, MoneyGeek examined home insurance premiums from eight companies in North Las Vegas.

Quotes were collected using homes with varying coverage levels to calculate affordability and customer satisfaction scores were drawn from J.D. Power surveys.

The sample property is a 2,500 square foot home built in 2000, with a dwelling coverage limit of $250,000, personal property coverage of $100,000 and liability coverage of $100,000. The deductible is $1,000.

To cater to different homeowner profiles, we also collected rates for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores.