Question 1

Does Nevada require homeowner's insurance?

Accepted Answer

No, the state of Nevada does not technically require homeowners insurance by law. However, most mortgage companies and lenders will require you to purchase it as a condition of your loan.

Question 2

What Does Homeowners Insurance in Nevada Cover?

Accepted Answer

Under most insurance policies, home insurance coverage in Nevada includes the following key things:

Dwelling coverage: This will help pay for the repair of the physical structure — and attached structures like garages — of your home as long as it’s a “covered hazard.”
Personal property coverage: This helps cover damages and replacement costs to your personal belongings, like clothing or furniture.
Personal liability coverage: This protects against any damages or injuries sustained by others that you or your household are responsible for.
Loss of use: This helps pay for any expenses you take on should you not be able to live in your home due to things like fire damage, etc.
Wind/hail and hurricane damage: Depending on where you live, you may be able to opt-out of this coverage if you participate in your state’s FAIR insurance plan for high-risk areas.
Medical payments: This helps protect you if someone is injured on your property. Bills are paid up to your policy’s limit, whether you’re legally responsible for the accident or not.

As always, shop around and make sure to ask insurance agents what is included in basic coverage plans and what additional coverages cost more to include.

Question 3

Which Additional Coverages Are Recommended in Nevada

Accepted Answer

When shopping around for insurance quotes, it’s important to ask specific questions on what may — or may not — be included in your standard policy. In a state prone to wildfires, floods, earthquakes, severe storms, and landslides experts usually recommend the following coverage types:

Flood damage insurance: 12% of all properties in Nevada have greater than a 26% chance of being affected by flooding over the next 30 years. Flooding is not covered by home insurance as flood coverage requires a separate policy so you will likely be required to purchase a separate flood insurance policy from either a private flood insurer or the National Flood Insurance Program if your home is in a high-risk zone.
Fire insurance: 46% of the state's population are living in areas at elevated risk of wildfire. While most standard insurance policies will cover fire damage, it’s important to understand exactly what this entails. As always, we recommend doing everything you can as a homeowner to prevent wildfires.
Landslide and earthquake insurance: Tens of thousands of microearthquakes occur in Nevada every year. When an earthquake occurs, they often trigger the collapse of potential landslide areas. Like flooding, landslides are not covered by homeowners insurance policies so you'll need to purchase a Difference in Conditions policy which can be used to cover flooding, landslides, earthquakes and more.

It’s worth noting that insurance companies sometimes deny coverage if your home is in a particularly high risk area. There are some options in Nevada should you fall into that bucket:

Nevada FAIR Plan: Though this is much more limited, it provides basic wind, hail, and fire insurance to high-risk homeowners.
National Flood Insurance Program (NFIP): Administered by FEMA, this plan helps provide insurance to reduce the impact of floodwater in high-risk areas.

Question 4

How Do I File a Complaint?

Accepted Answer

Contact the Nevada Division of Insurance at (888) 872-3234 or file a complaint online.

Question 5

How Do I Get Homeowners Insurance in Nevada

Accepted Answer

The first step in selecting a homeowners policy is getting a home insurance quote. Many insurers offer quotes online, but for those that don't, you may need to call some agencies directly or contact a local agent. To get a quote, you’ll likely need to provide some basic information about your house, any unique features, and when your roof was last replaced.

In addition, you’ll likely also need to provide some personal information, like your date of birth and information about any co-owners of the home. Once you’ve gathered home insurance rates from multiple companies, you can compare the options and decide what coverage options and price points are best for you. From there, you will need to sign an application and make at least the first month’s payment on your policy to obtain coverage.


Alamo	$1,0711071 out of 1216
Amargosa Valley	$1,0721072 out of 1216
Austin	$1,0741074 out of 1216
Baker	$1,0611061 out of 1216
Battle Mountain	$1,0701070 out of 1216
Beatty	$1,0761076 out of 1216
Blue Diamond	$1,3071307 out of 1216
Boulder City	$1,1041104 out of 1216
Bunkerville	$1,1161116 out of 1216
Cal-Nev-Ari	$1,1991199 out of 1216
Caliente	$1,0711071 out of 1216
Carlin	$1,0811081 out of 1216
Carson City	$1,0421042 out of 1216
Cold Springs	$1,0711071 out of 1216
Coyote Springs	$1,2161216 out of 1216
Crescent Valley	$1,0621062 out of 1216
Crystal Bay	$1,1231123 out of 1216
Dayton	$1,0771077 out of 1216
Deeth	$1,0641064 out of 1216
Denio	$1,0261026 out of 1216
Duckwater	$1,0641064 out of 1216
Dyer	$1,0581058 out of 1216
East Valley	$1,0281028 out of 1216
Elko	$1,0681068 out of 1216
Ely	$1,0721072 out of 1216
Empire	$1,1041104 out of 1216
Enterprise	$1,1211121 out of 1216
Eureka	$1,0711071 out of 1216
Fallon	$1,0381038 out of 1216

The Best Homeowners Insurance in Nevada [2023]

Contents

Average Cost of Homeowners Insurance in Nevada

Nevada Homeowners Insurance Rates by City

The Best Homeowners Insurance in Nevada

American Family

Farmers

State Farm

USAA

Allstate

Travelers

Cheapest Homeowners Insurance in Nevada

Find Cheap Homeowners Insurance in Your Area

FAQs

How to Reduce Homeowners Insurance Costs in Nevada

Nevada Insurance Options In Your City