Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Las Vegas

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Las Vegas Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

336Reviewed

209Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
9960 West Cheyenne Avenue, Las Vegas, NV 89129
  • Homeowners

Why choose this provider?

AMS Insurance is an auto insurance company that is located in Las Vegas. It is an independent agency with over 25 brokers and customer representatives. The firm examines and compares different coverage rates and quotes for unexpected losses like accident forgiveness, injury liabilities, and legal sanctions. It also reviews the application of policyholders and their driving histories to recommend add-on coverages like uninsured motorists and weather damage. Additionally, AMS provides coverage plans for cybercrime liabilities, pets, and renters.

License Verified:

License: 205427

Nevada Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (244)
Yelp
4.5 / 5 (36)

Website
7040 Laredo St Ste H, Las Vegas, NV 89117
  • Renter's Insurance
  • Condos
  • Flood
  • Homeowners
  • Landlords

Why choose this provider?

Founded in 1992, Mountain Pacific Insurance Services is an insurance firm headquartered in Las Vegas, Nevada, with branches in Bakersfield, and Needles, California. Providing protection throughout the pacific west,” The Mountain” protects residential homes and personal items at a fair & competitive rate. The Mountain’s home coverage professionals provide customized plans for helping their clients protect and manage their risks. The company also offers a full array of products for all of your insurance needs like renters, flood, earthquake, auto, motorcycle, boat, classic car, commercial/business coverage along with workers comp protection.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (23)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
10777 W. Twain Ave Suite 222, Las Vegas, NV 89135
  • Homeowners

Why choose this provider?

Legacy Insurance Group offers the best and most affordable risk management products in Nevada. It also provides coverage in California, Arizona, Utah, Colorado & Texas. It serves the insurance needs of individuals and families, including helping them obtain customized homeowners' insurance. The independent agency furnishes liability, personal property, additional living expense, and dwelling coverages to protect them from unforeseen events, such as fire, hail, theft, and vandalism. It also provides life and auto policies as well as business, condominium, motorcycle, automobile, and ATV insurance. Additionally, they serve business owners who want to obtain BOP, contractors' liability, and workers' compensation policies. Owner and CEO Michael Payne has been in the insurance industry for more than two decades and partners with multiple carriers to find you the best rates available.

License Verified:

License: 58959

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Website
3441 W Sahara Ave Ste A-1, Las Vegas, NV 89102
  • Homeowners

Why choose this provider?

McCready Insurance is an independent agency that has been helping Las Vegas residents acquire homeowners' insurance policies for 20 years. Using a one-on-one approach, its agents work with clients to assess their risks and needs and find policies that suit their situations. The different types of coverages they write include property damage, personal properties, liabilities, medical expenses, and temporary living expenses. McCready Insurance aims to educate policy buyers in Nevada, Oregon, and California on the insurance packages and options available to them.

License Verified:

License: 8404

Nevada Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (2)

Website
4260 West Craig Road, North Las Vegas, NV 89032
  • Homeowners

Why choose this provider?

Nevada Insurance Enrollment is a family-owned agency that serves the Las Vegas area. Its team of agents assists clients in multiple areas, including homeowners' insurance. Since they are independent insurance advisors, they review and access policies from a wide range of providers such as Farmers Insurance. Part of their service is guiding clients through each step and providing assistance with insurance claims and concerns. Nevada Insurance Enrollment's other products include auto, travel, health, dental, vision, and funeral insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (95)
Yelp
4.5 / 5 (7)

Website
1718 S Eastern Ave, Las Vegas, NV 89104
  • Renter's Insurance

Why choose this provider?

Juan Diaz is a State Farm agent who assists Las Vegas clients in securing insurance policies. He handles various types of insurance products covering homes, businesses, health, and auto. He also guides clients in choosing financial products, such as annuities and mutual funds. State Farm is a Fortune 500 company that also offers banking services. It was established in 1922 and now has 19,000 independent agents and more than 55,000 employees nationwide.

License Verified:

License: 169867

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (157)
Yelp
3.5 / 5 (8)

Website
5532 S. Fort Apache Rd. #100, Las Vegas, NV 89148
  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

All Kinds of Insurance is a full-service agency that caters to homeowners and business owners across Las Vegas. For clients looking for homeowners' insurance, its staff can compare and contrast policies from different carriers to help clients find the best match for their needs and circumstances. The agency also assists clients in acquiring different kinds of personal insurance, such as automobile and pet insurance. The company's owner, Jeremy Shugarman, has been working in the insurance industry since 2009.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (416)
Yelp
5.0 / 5 (155)
Facebook
5.0 / 5 (64)

Website
9555 Hillwood Drive, Ste. 140, Las Vegas West, NV 89134
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Alera Group provides homeowners' and renters' insurance policies for various dwelling types, including residential homes, condos, and townhouses in Las Vegas. Its staff assists clients in assessing their assets and creating a personalized insurance package to meet their specific coverage requirements. Alera Group's standard homeowners' insurance policy covers the home's physical structure, personal belongings, personal liability, other structures, and loss of use. It has over 60 years of experience providing financial and risk management solutions to individuals and corporations.

License Verified:

License: 3878911

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.9 / 5 (28)
Google
3.7 / 5 (6)
Yelp
5.0 / 5 (1)

Website
2350 S Jones Blvd # 3-B, Las Vegas, NV 89146
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Viable Insurance is an independent insurance agency that sells home insurance in Las Vegas, Nevada. The company provides insurance coverage for home owners that compensates for loss of the dwelling or the possessions inside it as well as liability coverage should someone be injured on the property. It provides separate policies for renters and condo owners. Viable Insurance also sells other personal and commercial products, including auto and business insurance,

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (1)

Website
2511 Stewart Ave, Las Vegas, NV 89101
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Superior Insurance is a local independent insurance agency located in Las Vegas, Nevada. The company offers customers packaged and customized home insurance options. Superior Insurance assesses each customer's individual needs and then compares them to top insurance companies in the market to get the best coverage and rate. Agents work with homeowners and renters to help lower their costs. Services are offered in Spanish, and the company also provides auto and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Website
2012 North Carroll Street, North Las Vegas, NV 89030
  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Monterrey Insurance has provided a wide variety of coverage options for the residents of Las Vegas for more than 21 years. The brokerage company contracts with top carriers for homeowners insurance to customize the policies that best meet its clients' needs. The company's agents help ensure properties are protected against disasters as well as injures that occur while on the premises and damage caused by pets. Monterrey Insurance' agents discuss the specific types of disasters covered by standard insurance packages.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4

Website
400 S Jones Blvd, Las Vegas, NV 89107
  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Nevada Insurance Solutions is an insurance broker that sells home insurance throughout the Las Vegas, Nevada, metro. Founded in 1988, the agency provides homeowners coverage for their dwelling, personal property, and other structures on the premises, while also offering protection against liability and loss of use. Additions to policies may include coverage of jewelry or other valuables, water overflows from sewers or drains, and identity fraud, with policies specifically designed for landlords or renters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (19)
Google
5.0 / 5 (8)
Yelp
4.5 / 5 (8)

Website
2340 Paseo Del Prado Suite D-304, Las Vegas, NV 89102
  • Homeowners

Why choose this provider?

I Love My Rates Insurance has been serving the Las Vegas area since 2007. It offers homeowners' insurance products to help clients secure their families and belongings inside their residential properties. This insurance covers repair expenses if accidents damage storage sheds, pools, home structures, and garages. Locally owned and operated, I Love My Rates Insurance is affiliated with Travelers, Progressive, Primero, Mendota Insurance, and American Access Casualty Company. It also carries condo and renters' insurance products.

License Verified:

License: 515448

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Website
1205 S Eastern Ave, Las Vegas, NV 89104
  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Fantaxtic Services is an independent advisor for income tax and insurance services based in Las Vegas, Nevada. Representing numerous insurance providers, the agency locates and personalizes home insurance products for homeowners and renters. It takes each client through the product so they understand what they are insured for and the benefits of optional add-ons. Coverage typically includes repair and replacement costs for damaged structures, reimbursement for broken or stolen property, and liability coverage if an injured visitor makes a claim.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Yelp
4.5 / 5 (16)

Website
4406 West Charleston Boulevard, Las Vegas, NV 89102
  • Multiple Carriers
  • Homeowners

Why choose this provider?

Axcess Insurance Services provides homeowners insurance for clients living in Las Vegas. The company has been operating since 1998 and covers homeowners and their properties for unexpected damages. These include damage to the house caused by extreme weather, car accidents, and theft. Axcess has its agents examine the house to estimate its value and processes all claims or changes in the policy to the carrier. Axcess Insurance Services also offer insurance policies for car owners, SR-22s, truckers, and commercial fleets.

License Verified:

License: 555040

Nevada Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (73)
Yelp
5.0 / 5 (1)

Website
5550 Painted Mirage Rd, Suite 320, Las Vegas, NV 89149
  • Renter's Insurance
  • Condos

Why choose this provider?

InsureWise LLC is an insurance agency that caters to homeowners and businesses in Las Vegas. It was established in 2020 by James Clayton, a former business owner who has worked in insurance for five years. He and his team offer to teach first-time homeowners about important insurance coverages, such as medical liability and general disaster repair. They can also recommend specialized coverages for personal belongings, criminal activities, and pet health. The agency's founder, James Clayton, started his career with Allstate in 2016.

License Verified:

License: 3518609

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (59)

Website
3650 South Jones Blvd Suite 5, Las Vegas, NV 89103
  • Homeowners

Why choose this provider?

Accupro Insurance Service is an independent company serving individuals and families in the Las Vegas metro. It offers a range of personal insurance policies, including homeowners' plans. The agency creates personalized coverages to protect clients and investment properties from unforeseen events like theft and natural disasters. Its team also provides life, motorcycle, renters' and business insurance. Accupro Insurance Service represents various carriers like Safeco and Progressive. One of its agents, Eddie Velasquez, has been a part of the company for over a decade.

License Verified:

License: 59292

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (42)
Facebook
5.0 / 5 (17)

Website
1750 S Rainbow Blvd Ste 23, Las Vegas, NV 89146
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Quality Insurance is an agency active throughout the Las Vegas, Nevada, metro area which assists clients with home insurance policies. It formulates policies for traditional homes as well as condominiums and also sells renters insurance. Quality Insurance believes that it's status as a local, independent agency allows it to provide more intimate consultation services and save clients money because it works with a multitude of insurance carriers. Auto and commercial insurance are other focus areas of the agency.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)
Yelp
5.0 / 5 (5)

Website
6628 Sky Pointe Drive, Las Vegas, NV 89131
  • Renter's Insurance

Why choose this provider?

360 Insurance provides homeowners' insurance in the Las Vegas area. With over 75 years of industry experience, the locally-owned and operated agency is licensed to write policies throughout the country. It has a wide portfolio of coverage, including property repair or rebuilds, liability for those affected, living expenses during recovery, and replacement of personal belongings. The independent agency has access to over 50 insurance carriers. It has been recognized as an "Endorsed Local Provider" by businessman and personal finance personality Dave Ramsey.

License Verified:

License: 729452

Nevada Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (137)
Facebook
5.0 / 5 (64)
Yelp
5.0 / 5 (16)

Website
900 Wigwam Parkway, Henderson, NV 89014
  • Personal Property Insurance

Why choose this provider?

Jason Spronk is a State Farm insurance agent helping homeowners near Las Vegas secure the insurance they need. Mr. Spronk provides clients with the appropriate coverage to safeguard their homes as well as their personal items. State Farm protects policy holders when damage occurs from natural elements, random acts of theft or vandalism, and other unforeseen issues, such as plumbing system breakage. Mr. Spronk evaluates the value of the home's contents to help ensure clients receive replacement value.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
4.5 / 5 (15)
Google
4.9 / 5 (9)

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • How much do homeowners in Las Vegas typically spend on insurance?

    In Las Vegas, the usual homeowner spends about $86 monthly on insurance, which is significantly lower than the average American's rate. Key variables shaping this price include the home's market value, the total worth of items inside, and the construction materials utilized. Moreover, the property's specific location plays a part: areas with a heightened risk of events, like fires or hailstorms, can hike up the premium amount.

  • Why do homeowners in Las Vegas purchase home insurance even if it isn't legally required?

    While not legally mandated, homeowners often buy home insurance because it safeguards their assets, covering their home's structure, personal property, and any legal liabilities stemming from accidents or property damage on their premises. Secondly, mortgage lenders generally insist on it. Without active insurance, lenders in Las Vegas might enforce their own, often pricier, limited coverage and add this cost to the homeowner's monthly payment.

  • What are the primary contributors to homeowners insurance pricing in Las Vegas?

    While some contributors to homeowners insurance pricing in Las Vegas, such as one's residence location, are steadfast, others like past claims, credit standing, and the extent of property coverage offer some maneuverability. Insurance companies in Nevada are keen on assessing the risks they're venturing into with a new policyholder. To achieve the most attractive premium, homeowners should familiarize themselves with these variables and obtain quotes from various insurers.

  • What does roof damage insurance in Las Vegas typically cover?

    In Las Vegas, roof damage insurance provides compensation for harm caused by specific perils, such as sudden events like hail, windstorms, fire, and vandalism. However, damages due to prolonged neglect or intentional actions aren't covered. Las Vegas homeowners should know that even if a recognized peril causes the damage, insurers might not always pay the repair bill. If the insurance company identifies an underlying factor causing the roof's damage, homeowners might need to cover the repair costs.

  • Does homeowners insurance in Las Vegas cover pest control?

    In Las Vegas, standard homeowners insurance policies don't encompass pest control, deeming it a result of regular maintenance oversight. Despite having HO-3 open peril provisions, many policies still bypass coverage for damages from critters and pests. Homeowners are advised to discuss with their insurers and check whether there's any possibility of aid or support.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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