Home insurance in Nevada costs about $89 monthly or $1,066 annually on average. Homeowners in Nevada pay $131 more per month, or $1,569 more annually, than the national average, making it the 6th most expensive state for home insurance.
Average Home Insurance Cost in Nevada
Updated: May 31, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Home insurance costs in Nevada range from $1,142 per year to well over $8,642, depending on your financial history, home details, coverage chosen and provider.
Nevada's home insurance premiums are the 6th most expensive in the country, at 45% over the national average.
To find the best home insurance in Nevada, determine your coverage needs; research costs, providers and collect for multiple quotes.
How Much Is Home Insurance in Nevada?
| Nevada Average | $89 | $1,066 | -60% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Average Home Insurance Cost by City
Home insurance costs vary depending on your city. Property age, weather-related factors and home valuations can drastically affect home insurance costs. For example, the average monthly home insurance cost in Enterprise is around $95; in Paradise, it’s much higher at $108.
| Enterprise | $95 | $1,143 |
| Henderson | $95 | $1,137 |
| Las Vegas | $100 | $1,201 |
| North Las Vegas | $97 | $1,167 |
| Pahrump | $90 | $1,078 |
| Paradise | $108 | $1,298 |
| Reno | $88 | $1,054 |
| Sparks | $86 | $1,027 |
| Spring Valley | $102 | $1,221 |
| Sunrise Manor | $110 | $1,317 |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Nevada?
Home insurance is expensive in Nevada because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws.
Rising Claims
When homeowners frequently file insurance claims, insurers may raise premiums to cover the increased risk of payouts. A high volume of claims suggests a greater likelihood of future claims, leading to more expensive home insurance costs.
High Weather Risks
Areas prone to severe weather, such as hurricanes or wildfires, often face higher home insurance rates. Insurers adjust premiums upward to mitigate the financial risk associated with frequent or intense natural disasters.
Rising Material and Labor Costs
The cost of home repairs influences insurance prices. As the price for building materials and labor increases, insurers raise premiums to ensure they can cover the higher costs of potential home repairs after a claim.
State Insurance Laws
State-specific regulations can impact insurance costs. Mandates such as required coverages or rate-setting rules can lead to higher home insurance premiums if they increase the insurer's costs or limit competitive pricing.
What Affects Nevada Home Insurance Costs?
For most home insurance providers, pricing is influenced by several key factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
Next, we'll explore how each of these factors impacts rates.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Nevada, with rates varying by up to 16%. Weather risks, home value and population density in your area play a major role in determining costs.
| Lowest | Nevada State Remnant Tier Aggregate | $81 | $973 |
| Highest | Sunrise Manor | $107 | $1,286 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Nevada home insurance rates, averaging from $536 to $4,018 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $45 | $536 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $335 | $4,018 |
How Much Do Home Details Affect Home Insurance Costs?
Depending on home details like age, construction materials and roof type, homeowners insurance rates in Nevada can range from $46 to $94 per month. These factors will affect replacement costs and the risk of damage or theft, making it the third most influential factor for insurance rates.
| Lowest | New | Superior | Tile | $46 | $553 |
| Highest | Old | Frame | Shake-Treated | $94 | $1,128 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Nevada home insurance rates, with prices ranging from 36% below to 30% above the state average.
| Lowest | Capital Insurance Group | $58 | $692 |
| Highest | COUNTRY Financial | $118 | $1,417 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 52%, with annual average rates ranging from $873 to $2,185.
| Lowest | Excellent | $73 | $873 |
| Highest | Poor | $182 | $2,185 |
How Much Does Claims History Affect Home Insurance Costs?
Filing more claims will increase your perceived risk for insurers, which can increase premiums, although in the Silver State, claims history has a smaller impact on cost than other factors. We found that depending on your claims history, rates can be affected by up to 19% or $521 annually.
| Lowest | Claim free for 5+ years | $91 | $1,088 |
| Highest | 2 claims in past 5 years | $134 | $1,609 |
Tips to Save on Nevada Home Insurance
With high home insurance costs in the Silver State, saving on premiums is crucial, whether purchasing a new home or cutting costs on your current one. Below are tips to help you secure the best and cheapest home insurance in Nevada tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own. You can explore different standard coverage options.
- 2
Research Costs and Discounts Beforehand
To ensure you're getting a good deal, understand the average costs for you and your home. You can find the average costs for you to get a baseline. Also, ask agents about available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
To find the best coverage, use online comparison sites, brokers, provider websites, and agents.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For instance, combining home and auto insurance can save up to xx% on home insurance and $xx annually on both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Explore state programs to get affordable coverage if traditional insurers deny you. For instance, if traditional insurers deny you coverage, programs like the TFPA policy can help meet your mortgage requirements, although they don't offer the same coverage as traditional policies.
Nevada Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly by location and coverage level. Find affordable rates by researching your needs and using our estimate tool.
Homeowners Calculator Insurance Nevada: FAQ
To help estimate your expenses, MoneyGeek answers common questions you may have about home insurance in this state.
How much does homeowners insurance cost in Nevada?
Nevada's average monthly home insurance cost is $89 for a dwelling coverage of $250K. Your rate will depend on factors like your credit score, liability and property coverage limits, and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level, and provider. Your credit score and home details also play a crucial role.
How We Determined Our Nevada Home Insurance Estimates
When determining the average cost of home insurance in Nevada, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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.