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.
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Nevada’s Top 3 Homeowners Insurance Companies

Allstate: Best Coverage Options

  • J.D. Power Rating: 815/1000
  • A.M. Best Rating: A+

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)
House square footage1,9001,1001,100
Year built200619891986
Dwelling limit$370,000$225,000$200,000
Personal property coverage60% of dwelling75% of dwelling60% 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

Get Quote: Allstate Home Insurance Quote

Learn More: Allstate Home Insurance Review

*A.M. Best ratings accurate as of April 2023

Liberty Mutual: Best Discounts

  • J.D. Power Rating: 805/1000
  • A.M. Best Rating: A

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)
House square footage1,9001,1001,100
Year built200619891986
Dwelling limit$400,000$225,000$200,000
Personal property coverage75% of dwelling75% of dwelling75% 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

Travelers: Most Experience

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.

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)
House square footage1,9001,1001,100
Year built200619891986
Dwelling limit$350,000$225,000$200,000
Personal property coverage75% of dwelling75% of dwelling75% of dwelling
Liability coverage$100,000$300,000$100,000
All-peril deductible$1,000$1,000$1,000
Wind/hail deductibleN/AN/AN/A
Monthly premium$75$52$53

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

ProviderAllstateLiberty MutualTravelers
Get a free quoteAllstate.comLibertyMutual.comTravelers.com
Our score98.195.193.6
Personal property coverage limits60% or 75% of dwelling75% of dwelling25%–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-onsRoof surfaces extended coverage, water back-up protection, green improvementsBlanket jewelry coverage, home computer and smartphone coverage, earthquake insuranceEquipment breakdown coverage, Decreasing Deductible benefit
Customer service24/724/7 for claims24/7 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.

FAQs About Homeowners Insurance in Nevada

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House 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.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.

A.M. Best Disclaimer