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If you live in a condo, then it is important for you to purchase condo insurance to protect your investment. Some homeowners associations offer insurance, but it is not always the best option. It's better to have your own policy and make sure you are fully protected in case anything happens.

Homeowners association's insurance covers the outside of your building and common areas. But HOA's policy doesn't cover what's inside your condo like furniture or other personal belongings.

If you are looking for the best condo insurance in Nevada, then this guide is for you. You'll find the list of best condo insurance companies for Nevada residents and their average annual rates. You can use this guide to make informed insurance decisions.

  • The residents of Nevada pay an average of $610 per year for condo insurance for a coverage level of $600,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by, USAA is the top pick for the best condo insurance company in Nevada.
  • Country Financial offers the cheapest condo insurance in Nevada at an average of $415 per year.

Best condo insurance companies in Nevada

In Nevada, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction rating of all the major insurers across Nevada. Below are the best condo insurance companies in Nevada based on's analysis.

CompanyAverage rating(out of 5)
Country Financial4
State Farm3.5
American Family3.1

Compare best condo insurance companies in Nevada

We have compared the insurance providers based on their J.D. Power score and ratings from AM Best to help you find affordable condo insurance in Nevada. Based on the analysis by, USAA tops the list of best condo insurance companies in Nevada. It has earned 4.2 scores out of 1000 from J.D. Power and an A++ rating from AM Best, which is the highest ratings they offer.

Country Financial is another option after USAA for condo insurance, it received 4 scores from J.D. Power and an A+ rating from AM Best. Here is a comparison of some of the best condo insurance companies in Nevada:

CompanyJ.D. Power ScoreAM Best Rating
State Farm829A++
American Family842A
Country Financial830A+

Average cost of condo insurance in Nevada

The average cost of condo homeowners insurance in Nevada is $610 a year or $51 a month with $1,000 as deductible, $40,000 as personal property coverage, and liability coverage of $100,000. Your average annual premium will vary depending on your location, the coverage limits you select, and deductible amount among other factors.

Condo insurance covers the interior of the unit, it provides protection against the damage caused by fire, theft, vandalism, natural disasters, and frozen pipes.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium


Average condo insurance rates in NEVADA

89101 - Las Vegas
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for condo insurance in Nevada

Most Expensive

Zip CodeCityHighest Rate
89169Las Vegas$836
89101Las Vegas$831
89109Las Vegas$829
89104Las Vegas$822

Least Expensive

Zip CodeCityLowest Rate
89436Spanish Springs$624
89506Golden Valley$629

Condo insurance rates by companies in Nevada

The rates for condo insurance by companies in Nevada vary greatly. It is important to shop around and compare quotes to find affordable premium. To find the best insurance company in Nevada, you should consider price, coverage options, financial stability, and customer satisfaction.

In the table given below, you'll see that major companies in Nevada have different insurance rates for condo insurance, and Country Financial, Allstate, Nationwide, and Farmers are the top four cheapest condo insurance companies for Nevada residents.

CompanyAverage Annual Rate
Country Financial$415
American Family$688
State Farm$695
CSAA Insurance (AAA)$870

Methodology compared condo insurance rates in 2022 provided by Quadrant Data Solutions for $60,000 personal property coverage with a $1000 deductible and $300,000 liability coverage for all available ZIP codes. ZIP codes were ranked based on the average rates for personal property coverage of $60,000, liability coverage of $300,000, and a $1,000 deductible and included good credit ratings. Content was updated in 2023.

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