Nevada's best home insurance companies are American Family, State Farm, Nationwide, Capital Insurance Group and Farmers. Nationwide ranks first for coverage options, Capital Insurance Group leads in affordability and American Family excels in customer service. Compare all our top picks below.
Best Homeowners Insurance in Nevada
Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Nevada are American Family, State Farm and Nationwide.
For most homeowners, American Family offers the best overall home insurance. However, if you have a newer home, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Nevada?
| American Family | 92 | 2 | 1 | 2 |
| State Farm | 88 | 3 | 2 | 3 |
| Nationwide | 74 | 4 | 4 | 1 |
| Capital Insurance Group | 70 | 1 | 5 | 4 |
| Farmers | 67 | 5 | 3 | 4 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories.
| American Family | 92 | Overall |
| American Family | 92 | Older Homes |
| American Family | 93 | Newer Homes |
| American Family | 93 | High-Fire-Risk Areas |
| American Family | 92 | Bad Credit |
| American Family | 93 | With Claims History |
Best Nevada Home Insurance by City
Home insurance provider rankings in Nevada cities vary widely based on policy affordability, local customer service, and available add-on coverage options. For instance, State Farm ranks best in Enterprise and North Las Vegas, while American Family tops the list in Las Vegas and Pahrump. To help you choose the best provider for your location, we've outlined the top overall options for each city.
| Enterprise | State Farm | 87 |
| Henderson | American Family | 91 |
| Las Vegas | American Family | 93 |
| North Las Vegas | State Farm | 87 |
| Pahrump | American Family | 93 |
| Paradise | American Family | 88 |
| Reno | State Farm | 83 |
| Sparks | State Farm | 83 |
| Spring Valley | American Family | 88 |
| Sunrise Manor | American Family | 88 |
Best Nevada Home Insurance Reviews
Explore our top choices for home insurance in Nevada, spotlighting leaders in affordable pricing, exceptional customer service, and diverse coverage options.
Capital Insurance Group: Best for Affordability
Despite not ranking highly for coverage or customer service, Capital Insurance is the most affordable home insurance provider for Nevada homeowners. However, it still offers coverage options like service line coverage for underground utilities, complimentary identity theft protection and optional home cyber protection to enhance your home's security.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $47 | $566 |
| Newer Homes in High-Fire-Risk Areas | $52 | $628 |
| Older Homes | $78 | $941 |
| Older Homes in High-Fire-Risk Areas | $87 | $1,044 |
American Family: Best for Customer Service
American Family is the top overall provider in our Nevada home insurance study due to its top rank in customer service. It's also the second most affordable provider in the state and the second choice for coverage. It offers various coverages, including service line coverage, matching siding protection, and hidden water damage coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $61 | $729 |
| Newer Homes in High-Fire-Risk Areas | $61 | $729 |
| Older Homes in High-Fire-Risk Areas | $89 | $1,072 |
| Older Homes | $89 | $1,072 |
Nationwide: Best for Coverage
Nationwide might not be the most affordable home insurance company in Nevada, but its coverage options earn it the top rank in our coverage category. Customers can add add-ons like better roof replacement for stronger materials after a loss, Brand New Belongings® to replace items without depreciation, and a smart home program with free monitoring devices to help prevent water damage.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $47 | $564 |
| Newer Homes in High-Fire-Risk Areas | $53 | $639 |
| Older Homes | $90 | $1,077 |
| Older Homes in High-Fire-Risk Areas | $102 | $1,220 |
How to Find the Best Home Insurance in Nevada
Finding the best insurance for your needs can be challenging, so we’ve created a guide to help you choose the right option.
- 1
Determine your coverage needs
Decide on the coverage level you need. Consider your home's value, your personal belongings, and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in Nevada to see if providers offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, search for the best and cheapest home insurance in Nevada. Do research to evaluate customer service ratings, pricing specific to your needs and suitable coverage add-ons.
- 4
Compare multiple providers through all means
To compare providers, check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Nevada: Bottom Line
American Family, State Farm and Nationwide are the best homeowners insurance companies in Nevada. While we recommend these providers, researching and comparing options can help you find the best fit for your needs.
Best Home Insurance in Nevada: FAQ
To assist you, we've compiled FAQs to help you choose the ideal home insurance provider in Nevada.
Which company is best for home insurance in Nevada?
American Family is the best homeowners insurance provider in Nevada for its affordability, excellent customer service, and comprehensive add-on coverage options. State Farm, Nationwide, Capital Insurance Group and Farmers are also top-rated alternatives in Nevada.
Who has the most affordable homeowners insurance in Nevada?
The most affordable homeowners insurance in Nevada varies per individual circumstances. However, the average cost in Nevada is $746 annually.
How do you get the best homeowners insurance in Nevada?
To find the best home insurance in Nevada, decide on your coverage needs, research costs and providers, and compare multiple quotes.
How We Decided the Best Home Insurance in Nevada: Our Methodology
We rated the best homeowners insurance providers in Nevada using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.