It's not easy to find the best homeowners insurance because there are so many choices. Nevada homeowners insurance companies offer basic coverage options and competitive insurance rates.
The average rate for home insurance in Nevada is $1,486 a year. Although, rates vary depending on the insurance company you choose, among other factors.
Progressive is one of the best homeowners insurance companies in Nevada, based on Insurance.com's analysis. Its overall rating is five and A.M Best rated it A+.
Apart from Progressive, Allstate earned the highest J.D Power scores as compared to other companies. It has earned 829 scores out of 1000 and is awarded A+ ratings from A.M Best.
Read on to know more about the best and cheapest home insurance companies, their overall ratings, and average annual insurance rates for Nevada homeowners.
- The average rate for home insurance in Nevada is $1,486 per year.
- Depositors Insurance offers the cheapest rates for home insurance in Nevada.
- By bundling your home and auto insurance policies. You can save an average of $268 a year.
- Best home insurance companies in Nevada
- Compare best homeowners insurance companies in Nevada
- Average cost of homeowners insurance in Nevada
- 10 Most expensive zip codes in Nevada for homeowners insurance
- 10 Least expensive zip codes in Nevada for homeowners insurance
- Cheap homeowners insurance in Nevada
- Home and auto bundle discounts in Nevada
Best home insurance companies in Nevada
If you're looking for the best homeowners insurance company in Nevada, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Nevada:
- Progressive
- USAA
- Allstate
- State Farm
- American Family
Compare best homeowners insurance companies in Nevada
One of the easiest ways to find an affordable homeowners insurance is by looking at all the options available and comparing them side by side. Insurance prices vary because people have different insurance needs depending on where they live and what type of insurance coverage is required. Basic types include personal property, dwelling coverage, and additional living expenses.
If you're looking for the best home insurance in Nevada, then look no further. Compare top insurance companies using the overall ratings and scores from J.D. Power and A.M Best.
Below is a list of the best homeowners insurance companies in Nevada-
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| Progressive | 5 | 821 | A+ |
| USAA | 4 | 882 | A++ |
| Allstate | 4 | 829 | A+ |
| State Farm | 3 | 835 | A++ |
| American Family | 3 | 831 | A |
| Farmers | 3 | 813 | A |
| Travelers | 3 | 800 | A++ |
| Liberty Mutual | 2 | 806 | A |
| Hartford | 2 | 798 | A+ |
| Chubb | 1 | 801 | A++ |
Average cost of homeowners insurance in Nevada
The average cost of home insurance in Nevada is $1,486 a year or $124 a month. It's $819 more than the national average ($2,305). Homeowners' insurance rates vary depending on where you live, the age of your home, building cost in your area, among other factors.
| Average annual premium | Average monthly premium |
|---|---|
| $1,486 | $124 |
10 Most expensive zip codes in Nevada for homeowners insurance
Many factors go into determining how much you will pay for home insurance premiums. Some of these include your ZIP code, the age of your home, building cost in your area, and others.
We have gathered thousands of home insurance rates from major insurance providers across all the ZIP codes and compiled a list of the ten most expensive ZIP codes for Nevada homeowners.
| ZIP code | Average annual rate |
|---|---|
| 89101 | $1,298 |
| 89104 | $1,281 |
| 89106 | $1,278 |
| 89030 | $1,274 |
| 89102 | $1,236 |
| 89121 | $1,235 |
| 89119 | $1,230 |
| 89032 | $1,223 |
| 89107 | $1,219 |
| 89110 | $1,205 |
10 Least expensive zip codes in Nevada for homeowners insurance
Homeowners insurance rates are driven by many factors, and one of them is the ZIP code. Insurance companies take your ZIP code into account when deciding on your home insurance premium.
The least expensive ZIP code for homeowners insurance in Nevada is 89428. Its average rate for home insurance is $935 a year - $551 less than the state average.
Below is a list of the least expensive ZIP codes for home insurance in Nevada.
| ZIP code | Average annual rate |
|---|---|
| 89428 | $935 |
| 89418 | $958 |
| 89419 | $959 |
| 89706 | $960 |
| 89423 | $965 |
| 89404 | $966 |
| 89406 | $967 |
| 89414 | $968 |
| 89702 | $969 |
| 89431 | $970 |
Cheap homeowners insurance in Nevada
If you are looking for a standard homeowners insurance policy, Depositors Insurance offers the cheapest rates for home insurance in Nevada, based on Insurance.com's rate analysis. Its average homeowners insurance cost is $782 a year- $702 less than the state average ($1,486).
It's a good idea to shop around for the best home insurance rate because prices vary by hundreds of dollars. You might end up paying too much if you avoid comparing quotes.
Below are the cheapest homeowners insurance companies in Nevada and their average annual premium.
| Company name | Average annual premium |
|---|---|
| Depositors Insurance | $782 |
| Travco | $988 |
| Travelers | $1,011 |
| Allstate | $1,171 |
| Allied | $1,210 |
| Amco | $1,210 |
| Farmers | $1,222 |
| American Family | $1,256 |
| Safeco | $1,534 |
| First Liberty | $1,624 |
| USAA | $1,731 |
| State Farm | $1,809 |
| Fire Insurance | $2,202 |
| Liberty | $2,274 |
| LM Insurance | $2,525 |
Home and auto bundle discounts in Nevada
Most insurance companies offer a discount on bundling your home and auto insurance policies. You can save an average of $268 a year or 18%, based on Insurance.com's rate analysis. But the discount and saving percentage may vary depending on your insurance company.
Below is a list of major carriers that offer a discount on bundling. Also, know how much a home and auto bundle can help you save on insurance in Nevada.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| CSAA | $477 | 26% |
| State Farm | $468 | 34% |
| Fire Ins Exch | $447 | 22% |
| Country Mut | $364 | 18% |
| Allstate | $275 | 27% |
| Farmers | $192 | 19% |
| American Family | $182 | 13% |
| Foremost Insurance | $118 | 4% |
| USAA | $97 | 9% |
| Travelers | $55 | 5% |
