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Condo insurance isn’t required by law in Nevada, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in Nevada, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in Nevada with average annual rates.

Key takeaways

  • The residents of Nevada pay an average of $610 per year for condo insurance for a coverage level of $60,000 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 ratings of major insurers in Nevada. Below are the best condo insurance companies in Nevada based on’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
Country Financial830A+
State Farm829A++
American Family842A

Average cost of condo insurance in Nevada

The average cost of condo insurance in Nevada is $610 a year or $51 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

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 company in Nevada

Rates for condo insurance by company in Nevada vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Nevada. The cheapest company for condo insurance in Nevada is Country Financial. Allstate, and Nationwide, are the second and third cheapest options.

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

Compare condo insurance rates by city in Nevada

Condo insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on condo insurance for your specific city in Nevada.

CityAnnual insurance premium
Incline Village
Las Vegas
Silver Springs
West Wendover
$491 compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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