Henderson ,NV Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Henderson, NV homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Henderson, NV is $1204. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Henderson, NV. VHome Insurance will help you navigate the world of homeowners insurance coverages in Henderson, NV.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $482 |
| $200,000 | $819 |
| $300,000 | $1,011 |
| $400,000 | $1,541 |
| $500,000 | $1,938 |
Home insurance costs in Henderson can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 089052 | $1,171 |
| 89012 | $1,149 |
| 89014 | $1,129 |
| 89011 | $1,133 |
| 89015 | $1,114 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Henderson, NV, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,234 |
| $1000 Deductible | $1,104 |
| $1500 Deductible | $1,041 |
| $2500 Deductible | $939 |
| $5000 Deductible | $795 |
| Home Insurance Company Near Henderson, NV | Homeowners Insurance Agency Near Henderson, NV | Address |
|---|---|---|
| Farmers | Stephanie Denham | 6123 S Rainbow Blvd Ste 110, Las Vegas, NV, 89118 |
| NA | Matthew Risher Insurance | 9631 Seran Miles Ct. , Las Vegas, NV, 89147 |
| Travelers | Family Trust Insurance Llc | 6420 W SPRING MTN RD 20, LAS VEGAS, NV, 89146 |
| State Farm | Gary Gibson | 3220 S Durango Dr Ste B3, Las Vegas, NV, 89117-4410 |
| Travelers | Leading Nevada Insurance Llc | 2885 S JONES BLVD, LAS VEGAS, NV, 89146 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Whitney CDP, Nevada | $77 | $103 | $154 |
| Paradise CDP, Nevada | $79 | $105 | $158 |
| Clark CCD, Clark County, Nevada | $83 | $110 | $165 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Henderson, NV | 2.9% | 11.9% |
| Whitney | 3.66% | 13.99% |
| Paradise | 3.34% | 11.79% |
| Clark | 2.71% | 11.57% |
| 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 |
| Streets in Henderson Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Henderson | $98 to $100 |
| Whitney | $92 |
| Paradise | $95 |
| Clark | $99 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $3,800 |
| Yearly Henderson Homeowner Insurance Premium Example | $1,300 | $800 |
| Out of Pocket Expense During Claim | $800 | $3,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $11,200 | $10,200 |
| Net Savings to Henderson Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Henderson, NV Home Replacement Value MORE than Home Value | Henderson, NV Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $299,500 | $191,000 |
| Insurance Premium based on Replacement Value | $1,500 | $950 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $45,000 | Risk Exposure from Under Insuring Coverage is $63,500 |
| Premium Impact | Insurance cheaper by $325/year | Insurance costlier by $225/year |
| Insurance Company | Liberty Mutual | Travelers | Allstate |
| Monthly Premium | 88 | 133 | 143 |
| Year Built | 2004 | 1994 | 2011 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $200000-$250000 | $350000-$400000 | $300000-$350000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $500 Deductible |