North Las Vegas Insurance Rates:

North Las Vegas, NV home insurance is about $536 to $726, about $44-$60/month. Our exhaustive research reveals consumers can save upto $252 by comparing different quotes

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North Las Vegas, Nevada Homeowners Insurance Reviews separate truth from fantasy. Compare realistic quotes from the most best home insurance providers.

North Las Vegas Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $120/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1330 sqft Rental Property Constructed In 2013 with Linoleum, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $130/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

5 Beds, 5 Baths 2250 sqft Rental Property Constructed In 2014 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Female who is Unemployed and has No Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $570/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Baths 2360 sqft Vacation Property Constructed In 2006 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $470/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 1840 sqft Primary Residence Constructed In 2011 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $120/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 1850 sqft Primary Residence Constructed In 2013 with Linoleum, Composition Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $860/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Baths 2370 sqft Primary Residence Constructed In 2000 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1440/12 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Baths 2262 sqft Rental Property Constructed In 1990 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

North Las Vegas, NV Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
89030 $89,100 $610
89031 $158,600 $630
89032 $146,900 $630

North Las Vegas Rates & Quotes Analysis:

North Las Vegas Area Estimated House Insurance
Earthsong Ct, Guiding Star, Bunnell Ave, Nairobi Ln, Bradford Hill Ave, Lawry Ave, Judith, Island Paradise Ave, Shimmering Peak Way, W Lovely Ct$626
Penny Cross Dr, Altar Rock Ln, E Granada Gorge Ln, Eagle Rose St, Reed Station St, E Judson Ave, Willowcreek Rd, Painted Hills St, N Heavenly Moon St, Restful Crest Ave$623
Piercey Ct, E Farm Bridge Ave, W Garden Genoa Ave, Herblinda, Woodard St, Colby Creek Ave, Sandy Ridge St, Samsara Cir, N McCarran St, Sun Broom St$635
Green Heron St, Fort Dix Cir, Copper Light St, W Silsbee Ct, Gracious Crest Ave, Teal Point Dr, Rocky Stone Ave, Bluff Stone, Farina, Dante Ct$624
W la Madre, Frio Cir, N Andrews St, Salmon Dr, China Cloud Dr, Bowman Rd, Pagentry, Grace Mountain St, Amy Lynn St, Diazo St$625
Arcata, Tesoro del Valle Ct, Little Coyote Rd, Fire Eye Way, E Angel Flight Dr, Dalton Ridge Ct, Stewarts Point Rd, Alamo Heights Ave, Puka Shell St, Brothers Ave$617
Iceland Gull St, Gifford St, E Lazy Hill Ranch Way, Pergola Ct, Anasazi Ave, Dillon Ave, Dusty Cowboy Cir, Pearl, York Ave, N Athinas St$662
Hawkeye Bell St, E Xavier Ridge Ave, E Washburn Rd, Kings Hill Rd, Deep Blue St, McCarran Blvd, Barrel Bronco, Crystal Cavern Way, Nerine Pass Way, Adonis Heights St$631
Hebert Cir, Colonnade Row Dr, W River Glider Ave, Bright Morning St, Sockeye Ln, Orange Orchid Pl, Hidden Valley, E Iron Summit Ave, Raptors View Ave, Klosterman Cir$618
Indigo Hills St, W San Miguel Ave, Sorrowing Sparrow Ct, Donato, E Laguna Heights Ave, Tennessee Walker Ave, Graham Cracker St, Country Hill Dr, E Harewood Cir, W Webb Ave$624

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,411 Homes (5% of total homes ) built between 1970 to 1979 in North Las Vegas are paying home insurance between $1,021-$1,030. Places close to North Las Vegas, NV such as Nellis AFB, Spring Valley, Henderson are more expensive by $32, $18, $42 respectively while Sunrise Manor and Winchester are cheaper by $23 and $20 respectively for similar homes.
  • Bedrooms: 18,640 4 bedrooms homes (24% of total homes ) in North Las Vegas are paying about $762. Areas near to North Las Vegas such as Nellis AFB, Las Vegas, Paradise are costlier by $24, $7, $5 respectively whereas Sunrise Manor and Winchester are more economical by $11, $15 respectively for similar homes.
  • Auto Insurance Bundling: 19,152 Households (48% of all households) in North Las Vegas have 2 vehicles available and when it is bundled with home insurance you can save $126 and varies from Nellis AFB ($130), Sunrise Manor ($123), Winchester ($123).
  • Senior Discounts: 13,133 seniors (more than 55 years) occupied housing units (33% of total) in North Las Vegas get discounts between $94 to $96. The comparative concessions in proximate regions such as Nellis AFB, Sunrise Manor and Las Vegas are $97, $92 and $95 respectively.
  • New Homes discounts: New homes such as the 63,782 homes built between 2000 to 2009 in North Las Vegas can save $126 and similar new home insurance discounts in nearby towns and cities like Nellis AFB, Sunrise Manor and Winchester are $130, $123 and $123 respectively.

North Las Vegas Homeowners insurance Facts

  • North Las Vegas, NV has 39,132 owner occupied houses which is 59.6% of all units whereas Nellis AFB, Sunrise Manor and Winchester have 2.01%, 53.8% and 37.15% respectively.
  • North Las Vegas, NV homeowners yearly insurance price at $630 is 0.39% of the typical house value of $160,300 which is in contrast with 0.3% in Nellis AFB, 0.53% at Sunrise Manor & 0.5% in Winchester.
  • Homeowners in North Las Vegas, NV pay 1.1% of their income ($45,000 to $49,999) in insurance whereas homeowners in Nellis AFB, Sunrise Manor and Winchester pay 1.13%, 1.07% and 1.07% respectively.
  • North Las Vegas, NV’s insurance is 3.1% of monthly housing costs of $1,682/month, for owners with a mortgage compared to 3.45% in Sunrise Manor, 3.78% at Winchester & 3.15% in Las Vegas. But, for households without a mortgage, insurance is 12.8% of costs ($409 in North Las Vegas, NV) in contrast with 13.06% in Sunrise Manor, 11.0% at Winchester & 12.13% in Las Vegas.

North Las Vegas, NV Home Values & Insurance rates

For example, insurance for 1,203 Homes (3.0% of total homes ) valued between $70,000 to $79,999 in North Las Vegas, NV is about $289. Rates in nearby areas in such as Las Vegas, Paradise, Spring Valley are cheaper by $22, $11, $40 respectively while Sunrise Manor and Winchester are costlier by $99 and $81 respectively for similar homes.

North Las Vegas, NV Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,861 4.0% $94
$50,000 to $59,999 513 1.0% $201
$60,000 to $69,999 908 2.0% $252
$70,000 to $79,999 1,203 3.0% $289
$80,000 to $89,999 2,019 5.0% $333
$90,000 to $99,999 1,555 4.0% $371
$100,000 to $124,999 5,346 14.0% $428
$125,000 to $149,999 4,059 10.0% $535
$150,000 to $174,999 5,139 13.0% $636
$175,000 to $199,999 3,264 8.0% $730
$200,000 to $249,999 6,068 15.0% $882
$250,000 to $299,999 3,773 9.0% $1077
$300,000 to $399,999 2,354 6.0% $1373

Renters Insurance in North Las Vegas

  • Average Renters Insurance in North Las Vegas :  $210($17/month)

  • Median Gross Rent in North Las Vegas :  $1,140

  • North Las Vegas Renters Insurance to Median Rent Ratio:  1.49%

  • Average household size of renter-occupied unit :  3.38

North Las Vegas Renters Insurance as a Percentage of Rent

North Las Vegas Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 487 1.0% $1252
$500 to $749 2,726 10.0% $1927
$750 to $999 6,022 23.0% $2677
$1,000 to $1,499 10,740 41.0% $3802
$1,500 or more 5,371 20.0% $5452

Rent Affordability in North Las Vegas:

Approximately 50.0% (13,391) of households are spending more than 35% of their income on gross rent in North Las Vegas

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,952 7.0%
15.0 to 19.9 percent 3,015 11.0%
20.0 to 24.9 percent 2,871 10.0%
25.0 to 29.9 percent 3,193 12.0%
30.0 to 34.9 percent 2,109 7.0%
35.0 percent or more 13,391 50.0%

North Las Vegas Renters Insurance Discounts:

North Las Vegas Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in North Las Vegas, NV Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 11,041 41.0% $21.0
2 vehicles available 9,363 35.0% $31.5
3 or more vehicles available 3,142 11.0% $42.0

North Las Vegas Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,523 5.0% $114
60 to 64 years 1,041 3.0% $91
65 to 74 years 1,394 5.0% $74
75 years and over 805 3.0% $57

Protective device discount in North Las Vegas Up to :  $31

Claims-free discount in North Las Vegas Up to :  $42