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Best Homeowners Insurance in Nevada

Protect your home and personal property from natural disasters and theft by purchasing homeowners insurance from one of these top home insurance companies in Nevada. Keep reading to learn more about what each company brings to the table.

A southwestern home with several large desert plants near the front porch. Adobe

A handful of natural disasters, including earthquakes, wildfires, and severe storms, are common in Nevada and could potentially damage your home. Purchasing a home insurance policy is the best way to protect your biggest investment, and—luckily for Nevada residents—these policies have cheaper premiums compared to many other states.

The This Old House Reviews Team analyzed dozens of home insurance providers on key factors such as customer service, policy coverage, unique benefits, and reputation in search of the best homeowners insurance companies in the industry.

If you're ready to get started on a free quote based on you and your property's unique details, fill out this simple form or call 855-948-5219 to connect with home insurance providers in your ZIP code.

Nevada’s Top 3 Homeowners Insurance Companies

Best Overall: Allstate

Of all the homeowners insurance companies we reviewed, Allstate scored the best with a 98.1 out of 100 for a combination of exceptional performance in various categories, including customer service, reputation, technology, and unique benefits.

It offers 24/7 customer service with local agents in each area it serves, a useful website with one of the easiest home valuation tools to help you understand how much coverage you need, various discounts for items such as bundling with car insurance or having safety devices in your home, and a range of relevant additional coverage options to help you customize your policy.

Get a free quote from Allstate by using this easy online tool and answering a few questions about your home.

Here are a few more Allstate benefits:

  • Offers discounts in Nevada for water and moisture sensors, window and door sensors, and connected water valve shutoff equipment
  • Provides a Claim RateGuard add-on for an extra $6–$10 per month, which keeps your premium from increasing after filing a claim
  • Has an additional coverage option for green improvements, which pays for any additional expenses due to replacing items during a claim with energy-efficient models

Allstate Sample Pricing

City (ZIP code) Las Vegas (89131) Henderson (89015) Reno (89506)
City (ZIP code) Las Vegas (89131) Henderson (89015) Reno (89506)
House square footage 1,900 1,100 1,100
Year built 2006 1989 1986
Dwelling limit $370,000 $225,000 $200,000
Personal property coverage 60% of dwelling 75% of dwelling 60% of dwelling
Liability coverage $100,000 $200,000 $100,000
All-peril deductible $2,500 $2,500 $2,500
Wind/hail deductible $2,500 $2,500 $2,500
Monthly premium $86 $65 $60

Best Discounts: Liberty Mutual

Liberty Mutual consistently offers the best discounts in the home insurance industry with the aim to make anyone eligible for substantial savings. We recommend it to homeowners in Nevada looking to minimize their monthly insurance rate. However, an extensive list of discounts isn’t the only thing Liberty Mutual brings to the table—it also performed well for its impressive customer service, reputation, and standard coverage, scoring a 95.1 out of 100.

Liberty Mutual’s long list of potential discounts often includes up to 12% for purchasing a policy online and savings for having water sensors, fire safety features, smoke detectors installed, or home security systems, including additional savings for using one of its partnered brands like Vivint, Notion, Nest, or Canary. You could also get a discount for having a claims-free history, shopping early for a policy before your current one expires, and insuring your home to its estimated value.

Use Liberty Mutual’s online quote tool to get an estimate of your monthly premiums based on you and your home’s specific details.

Liberty Mutual also features the following benefits:

  • Provides an earthquake insurance coverage add-on for homeowners in Nevada
  • Often offers customizable coverage limit options for homeowners looking for a fine-tuned policy
  • Includes inflation protection in each policy, which automatically adjusts the limits each year to keep up with inflation, so you stay fully covered

Liberty Mutual Sample Pricing

City (ZIP code) Las Vegas (89131) Henderson (89015) Reno (89506)
City (ZIP code) Las Vegas (89131) Henderson (89015) Reno (89506)
House square footage 1,900 1,100 1,100
Year built 2006 1989 1986
Dwelling limit $400,000 $225,000 $200,000
Personal property coverage 75% of dwelling 75% of dwelling 75% of dwelling
Liability coverage $100,000 $300,000 $100,000
All-peril deductible $1,500 $1,500 $1,500
Wind/hail deductible $1,500 $1,500 $1,500
Monthly premium $70 $42 $50

Most Experience: Travelers

Travelers is the oldest home insurance company we reviewed, with operations dating back to 1853. With all those years in the industry, Travelers is one of the most experienced providers, serving homeowners across the country, including Nevada. It also has an impressive reputation, comprehensive policy coverage, and a dedicated customer service team, scoring a 93.6 out of 100 in our review.

With an A+ rating from the Better Business Bureau (BBB), an A++ (superior) score from A.M. Best for financial strength, and a decent customer satisfaction score of 803 out of 1,000 by J.D. Power, Travelers is an ideal choice for homeowners in Nevada who want to go with a trustworthy insurance provider.

Get a home insurance quote from Travelers by entering your information into this online form or calling 844-204-3517.

We were also impressed with Travelers for the following reasons:

  • Provides the unique Decreasing Deductible add-on, which credits you with $100 towards your deductible each year you don’t file a claim
  • Automatically includes replacement cost coverage for your personal property, which pays for the replacement of your belongings after an accident up to their new value
  • Offers a personal property option of up to 100% of dwelling for homeowners who have multiple personal belongings to protect

Travelers Sample Pricing

City (ZIP code) Las Vegas (89131) Henderson (89015) Reno (89506)
City (ZIP code) Las Vegas (89131) Henderson (89015) Reno (89506)
House square footage 1,900 1,100 1,100
Year built 2006 1989 1986
Dwelling limit $350,000 $225,000 $200,000
Personal property coverage 75% of dwelling 75% of dwelling 75% of dwelling
Liability coverage $100,000 $300,000 $100,000
All-peril deductible $1,000 $1,000 $1,000
Wind/hail deductible N/A N/A N/A
Monthly premium $75 $52 $53

FAQs About Homeowners Insurance in Nevada

How much does home insurance in Nevada cost?

Based on the quotes we received on various houses in cities across the state, typical home insurance costs in Nevada are around $50–$90 per month. The total cost will depend on a variety of factors, such as your home’s size, construction type, age, and location, as well as your personal information, credit score, and claims history.

What are some common home insurance discounts in Nevada?

Discounts are offered by home insurance providers to make their policies more affordable to customers. Each provider offers standard savings opportunities for bundling with auto insurance and for having safety features in the home, including fire alarms, smoke detectors, and home security systems.

Is home insurance required in Nevada?

Home insurance isn’t required by law in Nevada, but it can provide peace of mind that your property will be covered after an unexpected natural disaster or theft. Not to mention, home insurance premiums in Nevada are especially affordable compared with other states. It was ranked No. 48 out of 50 states by average premiums in a 2018 homeowners insurance report by the Insurance Information Institute (III).

Additionally, if you currently have a mortgage on your property, your lender may require a policy with a certain minimum amount of coverage to ensure your investment is protected if anything happens.

Our Conclusion

As a resident of Nevada, an unexpected event like a wildfire or severe storm can cause extensive property damage and stress related to expensive home repairs. Homeowners insurance policies are designed to relieve that stress by providing a way to affordably return your home to the state it was in before the damage occurred.

Since prices and offers are customized based on your personal information and property details, we recommend getting a free quote from all three providers listed in this review. For the best overall home insurance in the state, look to Allstate and its impressive team of local agents, helpful online resources, and policy coverage. For affordable policies with significant discount opportunities, Liberty Mutual may be a good option. Travelers is the best choice for those who want the most trustworthy and experienced provider.

Compare Homeowners Insurance Companies in Nevada

Provider Allstate Liberty Mutual Travelers
Provider Allstate Liberty Mutual Travelers
Get a free quote
Our score 98.1 95.1 93.6
Personal property coverage limits 60% or 75% of dwelling 75% of dwelling 25%–100% of dwelling
Liability coverage limits $100,000, $200,000, $300,000, $500,000 $100,000, $200,000, $300,000, or $500,000 $100,000, $300,000, $500,000
Sample premium* $86 $70 $75
Unique add-ons Roof surfaces extended coverage, water back-up protection, green improvements Blanket jewelry coverage, home computer and smartphone coverage, earthquake insurance Equipment breakdown coverage, Decreasing Deductible benefit
Customer service 24/7 24/7 for claims 24/7 for claims
BBB rating** A+ A+ A+

*Based on sample quotes we received on a 1,900-square-foot single-family house in Las Vegas, Nevada

**Figures pulled from the companies’ Better Business Bureau (BBB) profiles as of July 1, 2021

Nevada Homeowners Insurance Coverage

Homeowners insurance policies in Nevada can be broken down into six main coverage types:

  1. Dwelling coverage—Dwelling coverage is the primary category of any home insurance policy, and it typically determines the amount of coverage in the other categories. Set your dwelling coverage to be equal to or greater than your home’s estimated value to ensure your provider will pay for the entire cost of rebuilding or replacing your home after a covered peril.
  2. Other structures coverage—This coverage type pays for the rebuilding or replacing of structures on your property that aren’t connected to your home or considered part of your dwelling. This could include fences, backyard storage sheds, and detached garages. The amount of coverage for this type is usually around 10% of your dwelling limit.
  3. Loss of use coverage—This pays for additional living expenses that you may accrue after a covered peril. For instance, if a fire leaves you stranded from your home while it’s being repaired or rebuilt, your provider will pay for hotel fees or gas for the extra commute under your policy’s loss of use coverage.
  4. Personal property coverage—This covers your personal items when they’re lost, stolen, damaged, ruined, vandalized, or destroyed. Your provider will reimburse you for the depreciated value of your items unless you pay extra for replacement cost coverage, which replaces them with brand new ones. The limit usually equals around 75% of your dwelling coverage, but you can typically customize that amount based on the inventory of your belongings.
  5. Personal liability coverage—If you ever have company over and they get injured, you could be liable for thousands of dollars in medical bills or legal fees if they choose to sue you. Luckily, home insurance will pay for those costs with personal liability coverage. Your policy usually comes with a limit of $100,000–$300,000, but you can add more coverage if necessary.
  6. Medical payments to others coverage—Although personal liability coverage covers medical payments for visitors who get injured on your property at your fault, this coverage type covers medical bills for injuries from accidents that weren’t your fault. The limit for this category is usually $1,000–$5,000.

Factors To Consider Before Buying Homeowners Insurance

Consider the following factors before buying a Nevada home insurance policy:

  • Home value—Determining your home’s value is an important part of purchasing a home insurance policy, since it helps you figure out how much dwelling coverage you’ll need for the complete rebuilding or replacement of your house after a covered disaster. Although the companies in this review all have online home valuation tools that you can use during the quote process, we recommend consulting a professional appraiser or a licensed insurance agent to give you the most accurate estimate of how much coverage you need for your home.
  • Natural disasters—Although not a coastal state, Nevada experiences plenty of natural disasters that could damage your home. Storms and wildfires are covered under a standard home insurance policy, but earthquakes and floods may require extra coverage. Flood insurance can be purchased from your agent or separately through the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program (NFIP). Earthquake coverage can simply be added as an endorsement or add-on to your policy with Liberty Mutual.
  • Additional coverage—Each provider offers a slew of optional coverage items to help customers customize their policy. These are often referred to as add-ons or endorsements, and they typically include coverage for items like water or sewage back-up, earthquakes, high-value personal property items, and identity theft.

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews team at