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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 homeowners and their average annual rates. Use this guide to make informed insurance decisions.

  • Condo owners in Nevada pay an average of $758 per year or $63 per month in condo(HO6) insurance.
  • Allstate is the cheapest condo insurance company in Nevada at only $310 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.

  • USAA
  • State Farm
  • American Family
  • Allstate
  • Farmers

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. It has earned 882 scores out of 1000 from J.D. Power and an A++ rating from AM Best, which is the highest rating they offer. Although, USAA offers condo insurance only for members of the military and their families.

State Farm is another option after USAA for condo insurance, it received 835 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 Farm835A++
American Family831A
Liberty Mutual806A

Average cost of condo insurance in Nevada

The average cost of condo insurance in Nevada is $529 a year or $44 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 get affordable insurance rates. To find the best insurance company in Nevada, you should consider price, coverage options, financial stability, and customer satisfaction when shopping around.

In the table given below, you'll see that major companies in Nevada have different insurance rates for condo insurance, and Allstate, Depositors, Travco are the top three cheapest condo insurance companies for Nevada residents.

CompanyAverage annual premium
First Liberty$442
Allied Property$461
Liberty Mutual$470
LM Insurance$470
American Family$579
State Farm$756
Fire Ins Exch$772

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