Henderson Insurance Rates:

Henderson, NV home insurance is roughly $557 to $755, about $46-$62/month. Our thorough research reveals consumers can save upto $262 by comparing different quotes

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Compare & get the cheapest Henderson, Nevada home insurance quote while also getting the best customer & claims service.

Henderson Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $610/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $460,000

5 Beds, 5 Baths 3200 sqft Seasonal Residence Constructed In 1998 with Hardwood Flooring, Composition Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $730/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Baths 2180 sqft Seasonal Residence Constructed In 2013 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $750/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $380,000

4 Beds, 4 Baths 2790 sqft Seasonal Residence Constructed In 2011 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $870/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $470,000

4 Beds, 4 Baths 3250 sqft Vacation Property Constructed In 2006 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $390/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $335,000

4 Beds, 4 Baths 2920 sqft Rental Property Constructed In 2014 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $360/3 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $230,000

2 Beds, 2 Bath 1517 sqft Primary Residence Constructed In 1995 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Henderson, NV Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
89052 $339,400 $710
89012 $246,900 $670
89014 $199,500 $650
89011 $188,200 $650
89015 $163,600 $640

Henderson Rates & Quotes Analysis:

Henderson Area Estimated House Insurance
Dublin Ave, Fern Tree Ct, Sausalito Dr, Autumn Blaze Ave, Concord Way, Calamus Palm Pl, Galingale Ct, Fox Chase St, Richard Ct, Evergold Dr$633
Jeri Dr, Toledo St, Bronzino Ct, Silver Dew St, Glacier Dr, Goldcreek St, Colleton River Dr, Pleasant Summit Dr, Queens Ct, Hidden Mesa Ct$707
E Basic Rd, Mount Noble Ct, Forest City Dr, E Ash St, Moon Beam Ave, Thornless Rose Ct, New Salem Ave, Abracadabra Ave, Fountain City St, Pastis Ct$652
Lantern Glow Cir, Moonstar Ln, Carmichael Way, Armillaria St, Heiple Ct, Siena Heights Dr, Cortina Ave, Las Flores St, Fountain Springs Dr, Cherrydale Falls Dr$707
S Onyx Point Ct, Williamsport St, Rose St, Via Di Parione Ct, Lehman Cave Ct, Ginger Lily, E Basic Rd, Hazelhurst Pass, Weaverville Dr, Saratoga Springs St$638
Berlin Ave, Blue Canyon Ct, Hollyfern St, Via Appianna, Arroyo Verde Dr, Rainswept Ave, Mary Crest Rd, Welch Mist Ct, Puerto Azul Trl, Cadence St$686
Essex Ave, Willow Grove Cir, Scholar St, Sheer Paradise la, Bonanza Plain Ave, Mary Crest Rd, Book Wagon St, Fircrest Ct, S Water St, Miki Ct$662
Atlantic Ave, Whitney Mesa Dr, Marigold Ct, Club Point Ct, Dazzling Ter, Dalcross Pl, Jordan Valley Ct, E Texas Ave, River Grove Dr, Kennebunk Cir$690
Mia Isabella Ct, Fenwick Ln, Sadie Ln, Mesquite Fork Ct, Ashley Rose Ter, Crown View St, Radiant Flame Ave, New Hope Dr, Golden Sedum Dr, Tanner Cir$659
S Mascaro Dr, Indigo Spring, Hollow Reed Ct, Apple Seed Ct, Glasgow St, Shimmering Moon St, el Cid Ct, Red Alder St, Silica Sand St, Pullman Pointe Ct$645

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,401 Homes (4% of total homes ) built between 1970 to 1979 in Henderson are paying home insurance between $1,063-$1,073. Places close to Henderson, NV such as Clark, Blue Diamond, Mount Charleston are more expensive by $11, $54, $146 respectively while Whitney and Paradise are cheaper by $62 and $36 respectively for similar homes.
  • Bedrooms: 28,997 2 bedrooms homes (25% of total homes ) in Henderson are paying about $401. Areas near to Henderson such as Clark, Summerlin South, Blue Diamond are costlier by $3, $27, $20 respectively whereas Whitney and Paradise are more economical by $24, $14 respectively for similar homes.
  • Auto Insurance Bundling: 13,899 Households (21% of all households) in Henderson have 3 or more vehicles available and when it is bundled with home insurance you can save $164. Discounts for similar bundling in close by locations such as Whitney, Paradise, Clark come to $154, $158, $165 respectively.
  • Senior Discounts: 32,870 seniors (more than 55 years) occupied housing units (50% of total) in Henderson get discounts between $98 to $100. The comparative concessions in proximate regions such as Whitney, Paradise and Clark are $92, $95 and $99 respectively.
  • New Homes discounts: New homes such as the 88,277 homes built between 2000 to 2009 in Henderson can save $131 and varies from Whitney ($123), Paradise ($126), Clark ($132).

Henderson Homeowners insurance Facts

  • Henderson, NV has 65,292 owner occupied houses which is 65.4% of all units whereas Whitney, Paradise and Clark have 58.66%, 43.02% and 71.63% respectively.
  • Henderson, NV homeowners yearly insurance price at $656 is 0.28% of the typical house value of $234,800 which is in contrast with 0.5% in Whitney, 0.38% at Paradise & 0.26% in Clark.
  • Homeowners in Henderson, NV pay 0.87% of their income ($75,000 or more) in insurance whereas homeowners in Whitney, Paradise and Clark pay 0.82%, 0.85% and 0.88% respectively.
  • Henderson, NV’s insurance is 2.9% of monthly housing costs of $1,905/month, for owners with a mortgage compared to 3.66% in Whitney, 3.34% at Paradise & 2.71% in Clark. But, for households without a mortgage, insurance is 11.9% of costs ($461 in Henderson, NV) in contrast with 13.99% in Whitney, 11.79% at Paradise & 11.57% in Clark.

Henderson, NV Home Values & Insurance rates

For example, insurance for 855 Homes (1.0% of total homes ) valued between $90,000 to $99,999 in Henderson, NV is about $262. Rates in nearby areas in such as Clark, Mount Charleston, St. George are cheaper by $18, $121, $58 respectively while Whitney and Paradise are costlier by $213 and $93 respectively for similar homes.

Henderson, NV Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,816 3.0% $65
$50,000 to $59,999 667 1.0% $144
$70,000 to $79,999 709 1.0% $203
$80,000 to $89,999 1,363 2.0% $236
$90,000 to $99,999 855 1.0% $262
$100,000 to $124,999 4,092 7.0% $301
$125,000 to $149,999 4,212 7.0% $380
$150,000 to $174,999 6,493 12.0% $452
$175,000 to $199,999 4,408 8.0% $518
$200,000 to $249,999 10,909 20.0% $629
$250,000 to $299,999 7,920 14.0% $767
$300,000 to $399,999 9,965 18.0% $977

Renters Insurance in Henderson

  • Average Renters Insurance in Henderson :  $137($11/month)

  • Median Gross Rent in Henderson :  $1,185

  • Henderson Renters Insurance to Median Rent Ratio:  0.93%

  • Average household size of renter-occupied unit :  2.55

Henderson Renters Insurance as a Percentage of Rent

Henderson Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 389 1.0% $1234
$500 to $749 2,500 7.0% $1909
$750 to $999 7,811 23.0% $2659
$1,000 to $1,499 14,331 42.0% $3784
$1,500 or more 8,127 24.0% $5434

Rent Affordability in Henderson:

Approximately 40.0% (13,906) of households are spending more than 35% of their income on gross rent in Henderson

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,358 9.0%
15.0 to 19.9 percent 4,524 13.0%
20.0 to 24.9 percent 4,963 14.0%
25.0 to 29.9 percent 4,671 13.0%
30.0 to 34.9 percent 3,079 8.0%
35.0 percent or more 13,906 40.0%

Protective device discount in Henderson Up to :  $20

Claims-free discount in Henderson Up to :  $27