Keep in mind that the strongest option for you will vary based on what you are looking for in a policy. While MoneyGeek found American Family to be Nevada’s best overall home insurance provider, Country Financial ranks highest when it comes to customer service, while Travelers is ideal for homeowners looking to save.
MoneyGeek’s scoring system evaluated the best insurance companies in Nevada for various types of homeowners. We also checked available coverages and discounts to help you find the best option.
If you’re more concerned with savings than service quality, MoneyGeek also analyzed the cheapest home insurance companies in Nevada.
The Best Homeowners Insurance in Nevada






The Best Overall Homeowners Insurance Companies in Nevada
Homeowners should prioritize both service quality and affordability when looking for home insurance. Using MoneyGeek’s ranking system, the data shows the best home insurance companies in Nevada are:
- American Family: MoneyGeek score of 85 out of 100
- Allstate: MoneyGeek score of 84 out of 100
We did not include USAA in our analysis because policies are limited to military members and their families. If you are eligible, this may be the best option for you as it garnered a score of 88 out of 100.
Below, MoneyGeek analyzed why American Family and Allstate ranked highest overall. We also listed unique coverages and discounts.
The Top Home Insurance Companies in Nevada

American Family has high ratings for affordability, customer satisfaction and financial stability. It also offers unique coverages, such as equipment breakdown. Policies with American Family cost an average of $774 per year.
With American Family, you can get rare discounts and coverages. For example, policyholders that add equipment breakdown coverage get protection for their home appliances, systems and devices that are damaged due to mechanical, electrical or pressure systems failure. One of American Family’s unique discounts is its deductible reward, which provides $100 credits for each year you remain claim-free.
Read MoneyGeek's American Family Insurance home Insurance Review
Allstate scores high in terms of affordability and financial stability. On average, an Allstate policy costs $807 annually. Allstate offers unique coverages and discounts, including mold coverage.
Allstate’s add-on coverages include protection from mold and fungus in your household. Allstate also offers an uncommon discount for loyalty. Allstate offers customers up to 10% savings on home insurance each year that they are a policyholder.
Read MoneyGeek's Allstate home Insurance ReviewMoneyGeek collected quotes across the country and compared them with J.D. Power property claims and customer satisfaction ratings. Based on this, we ranked the best home insurance nationally and in Nevada.
Your actual costs and experience will vary depending on your situation. Browse through MoneyGeek’s methodology for more details.
The Best Homeowners Companies in Nevada for Service Quality
For some homeowners, good customer service and claims experience are more important than low rates. Thus, MoneyGeek listed the best insurance providers in Nevada based mostly on customer satisfaction and claims experience.
For service quality, the best home insurance companies in Nevada are:
- Country Financial: MoneyGeek score of 90 out of 100
- American Family: MoneyGeek score of 83 out of 100
The top-ranking insurance provider in quality service was USAA, with a perfect score of 100. Because this provider is limited to current and former military members, it was excluded from our analysis.
For homeowners that prioritize an excellent experience regardless of cost, MoneyGeek analyzed how Country Financial and American Family garnered the highest scores.
The Top Home Insurance Companies in Nevada for Quality Service

Country Financial has both a satisfaction and a claims score of 4.5 out of 5. This means their overall customer experience is considered excellent.
Country Financial offers a unique coverage option to protect against earthquake damage. This type of protection may be especially important to Nevada homeowners. Aside from this, Country Financial doesn’t offer any other uncommon coverages.
Read MoneyGeek's Country Financial home Insurance Review
American Family got a higher score in claims than in customer satisfaction. As a result, when customers file claims, this company provides excellent service.
With American Family, you can add unique coverage on top of your existing policy. Their matching siding coverage can replace damaged sections of your siding as long as it's caused by a covered loss. Hidden water damage is another unusual coverage add-on. With this coverage, you get added protection for water damage that was caused by a leak you couldn’t see.
Read MoneyGeek's American Family Insurance home Insurance ReviewThe Best Homeowners Companies in Nevada on a Budget
Insurance costs generally play a big role in selecting a homeowners insurance policy. To help you find savings, MoneyGeek found top-rated companies for individuals that want to save on their monthly expenses while still getting great service.
For homeowners looking for low premiums, the best home insurance policies in Nevada for affordability are:
- Travelers: MoneyGeek score of 91 out of 100
- Farmers: MoneyGeek score of 89 out of 100
A policy with Travelers costs an average of $691 per year, while a policy with Farmers costs $716 annually on average.
USAA ranked sixth in this category and received a score of 76. However, we didn’t include this company in our rankings because they’re exclusively for current and former military members and their families.
MoneyGeek evaluated why both companies obtained high scores for homeowners on a budget. We also broke down the unique discounts and coverages that are offered.
The Top Home Insurance Companies in Nevada on a Budget

pros
Provides home insurance at an affordable price of $691 per year
Offers discounts if you’re claims-free or have protective devices
cons
Doesn’t offer discounts for purchasing a new home or for home renovations
MoneyGeek satisfaction rating of 3.6 out of 5
COMPANY HIGHLIGHTS
Travelers ranked highest in Nevada for affordability and stability, receiving perfect scores. You may be eligible for certain discounts to save money. Travelers also offers discounts when you bundle your home and auto policies, install protective devices or remain claims-free.
Some of the unique discounts are for homeowners with green homes. If your home is certified by the Leadership Energy and Environmental Design (LEED) organization as a green home, you can save up to 5%. The company also offers discounts to homeowners who bought their homes within 12 months.
The Best Homeowners Companies in Nevada for Expensive Homes
High-value homeowners may have extra insurance needs. MoneyGeek calculated the cost of a $2 million insurance policy and weighed it against customer satisfaction reputations to determine the best option in the state.
We found that the top-rated insurance providers in Nevada for expensive homes are:
- State Farm: MoneyGeek score of 82 out of 100
- American Family: MoneyGeek score of 82 out of 100
USAA ranked highest among other insurance providers, scoring 99 out of 100. We decided to exclude this provider because it’s only available for veterans and active military members.
The Top Home Insurance Companies in Nevada for High-Value Homes

pros
MoneyGeek satisfaction rating of 4.1 out of 5
cons
Doesn’t offer extended reimbursement or contents replacement cost coverages
Ranks in the bottom half of Nevada insurers for affordability for expensive homes
COMPANY HIGHLIGHTS
State Farm received a high rating for customer satisfaction, but wasn’t the most affordable option in the state. However, they do offer additional coverage that is ideal for homeowners with expensive homes, such as:
- Cyber Event/ID Theft: If your identity was used in fraudulent activity, you can get reimbursed for expenses that are needed for data recovery and systems restoration.
- Scheduled Personal Property: Homeowners get additional protection for their valuable items like goldware and silverware, jewelry, furs, firearms and more.
The Best Homeowners Companies in Nevada for Veterans
MoneyGeek compared the best insurance providers for military families in Nevada. USAA scored a total of 88 out of 100. USAA policyholders may pay an average of $1,201 per year.
USAA also received perfect scores for satisfaction and financial stability. This means that customers felt that they received great service, and the provider is also capable of paying efficiently when claims are filed.
USAA’s services are tailored exclusively to current or former military personnel and family members.
The Top Home Insurance Companies in Nevada for Veterans

pros
Policies are tailored to military families
Perfect MoneyGeek satisfaction rating
cons
You cannot purchase a USAA policy if you’re not a current or former military member
Ranks 3 out of 5 for affordability
COMPANY HIGHLIGHTS
In Nevada, USAA has a perfect score for customer satisfaction.
USAA offers unique coverages and discounts for veterans. Across all USAA policies, contents replacement cost coverage is included, which means that the cost of replacing personal belongings is covered without depreciation.
Other USAA coverages include home rental coverage, where you get added protection whether you rent out a room or your entire home. Nevada homeowners can also consider getting coverage for damage caused by earthquakes.
The Best Homeowners Companies in Nevada for Bundling
Generally, bundling your home and auto insurance can help you find savings. MoneyGeek also has guides on auto insurance in Nevada if you’re looking for the best policies to bundle with your home insurance.
Based on MoneyGeek’s evaluation, the best home insurance companies in Nevada for bundling are:
- State Farm: MoneyGeek score of 84 out of 100
- Allstate: MoneyGeek score of 77 out of 100
Bundling insurance offers several benefits. You can get extra discounts and the added convenience of managing your policies with only one company.
The Top Home Insurance Companies in Nevada for Bundling

pros
MoneyGeek auto insurance score of 4.2 out of 5
21% bundling discount
cons
MoneyGeek home insurance score of 3.8 out of 5
COMPANY HIGHLIGHTS
State Farm ranks higher for auto insurance than home insurance, according to MoneyGeek’s research. When you bundle your policies, you can get a 21% discount, by far the highest bundling discount available in Nevada.
With State Farm, you’ll be able to get unique home insurance coverage like service line coverage. With this coverage, you’re protected from the cost of repairing or replacing underground water and sewer piping, electrical service lines and more when they fail or are broken by accident.
Through State Farm’s auto insurance policy, you can get insurance for ridesharing. If you work for a rideshare company, you’ll have coverage even if you’re in between passengers.
How to Find the Best Home Insurance in Nevada
It’s advisable to balance financial stability, cost and service reputations when you’re shopping for home insurance in Nevada. Using the information MoneyGeek collected for you, here are the key steps to take when deciding on the right insurance for you:
Research Customer Service Reputations in Nevada
MoneyGeek collected details about the customer service reputations of home insurance companies in Nevada. You can also research more about J.D. Power satisfaction scores and NAIC complaint ratios for specific insurers. You may also find the Nevada Division of Insurance website helpful.
Compare Quotes for Yourself
MoneyGeek used average quotes from across Nevada, so these rates might not be applicable in all parts of the state. Comparing quotes will give you the most accurate estimate. It’s ideal to gather at least three quotes from different insurance providers to determine your insurance costs.
Make Sure the Company Has Coverages You Want in Nevada
Although specific coverages and discounts are advertised, they may not be available in your state. To ensure you choose the coverage you need, it’s best to discuss it with the provider directly.
Double-Check Financial Stability Ratings
One of the biggest factors you should consider is financial stability ratings. Regional companies in Nevada may have lower ratings, meaning it could take them longer to pay claims, while large insurance companies are typically financially strong.
FAQs About the Best Home Insurance in Nevada
It’s important to know what kind of home insurance you need to determine which policy suits you best. MoneyGeek answers some frequently asked questions to help you make an informed decision.
Methodology
MoneyGeek scores for homeowners insurance in Nevada were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from AM Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused specifically on affordability and service experience.
MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in Nevada that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Nevada. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $250,000, liability coverage of $100,000 and personal property coverage of $100,000.
About Mark Fitzpatrick
