Henderson Insurance Rates:

Henderson, NV homeowners insurance is roughly $557 to $755, about $46-$62/month. Our thorough research reveals consumers can save upto $262 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Tips For Choosing the Cheapest Henderson, NV, Home Insurance Companies

Homeowners in Henderson, Nevada, pay an average rate of home insurance raging between $557 to $755. However, the cost of home insurance in Henderson varies widely depending upon several variables. Homeowners need to understand these factors in order to reduce their home insurance rates and help pick the cheapest home insurance company.


Comparing Quotes

Home insurance providers consider different parameters before determining home insurance rates. As a result, the quotes offered to homeowners differ from one insurance company to another. Henderson homeowners are advised to compare quotes from multiple home insurance companies to choose the cheapest one for their coverage requirements.

Deductibles Vs. Home Insurance Rates

Home insurance companies provide homeowners with the option of choosing a deductible based on their needs. Homeowners can reduce their home insurance rates by paying a one-time high deductible. The percentage of reduction in home insurance rates for a given deductible differs from one insurance company to another. Henderson homeowners are recommended to choose the home insurance company that offers the highest price reduction for their deductible.

Add-on Policies

Home insurance companies offer add-on policies to homeowners in addition to standard policies to meet the individual needs of homeowners. Home insurance agents work with homeowners to understand individual needs and suggest appropriate add-on policies. These policies are targeted to cover items or damage caused due to specific reasons. The add-on policies include pet insurance, flood insurance, collectibles insurance, and earthquake insurance.

Available Discounts

Home insurance companies offer numerous discounts to homeowners to help lower the cost of insurance. Apart from the lifestyle choices of residents, home insurance companies also offer discounts based on the type of safety measures used by homeowners. Taking into account the specific features of their home, Henderson homeowners are advised to choose the home insurance company that offers the highest discount for their coverage needs.

Claims History of Homeowners

If home insurance companies find repetitive claims or a pattern in filing claims, the home insurance rates for such homeowners can increase drastically. On the other hand, homeowners receive discounts on home insurance rates if they have a claims-free history. Henderson homeowners should choose home insurance companies that are liberal in determining home insurance rates based on the claims history.

Henderson, NV Homeowners Insurance By Home Value

Henderson, NV Home Value Total Homes % of Total Average Henderson, NV 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

Top Home Insurance Agents Near Henderson, NV

Home Insurance Company Near Henderson, NV Homeowners Insurance Agency Near Henderson, NV Address
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
Farmers Stephanie Denham 6123 S Rainbow Blvd Ste 110, Las Vegas, NV, 89118

Henderson, NV Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Henderson, NV

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

Henderson, NV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Henderson$98 to $100

Henderson, NV Auto & Homeowners Insurance Bundling Discounts

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

Henderson, NV Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Henderson, NV2.9%11.9%

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

Henderson, NV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

Henderson, NV Home Insurance Costs With Home Replacement Value Scenarios

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

Example Henderson Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualTravelersAllstate
Monthly Premium 88133143
Year Built 200419942011
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$350000-$400000$300000-$350000
Deductible $500 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for Henderson, NV from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1995 290,000 Wood Shake Roof 2,260 3 $1000-$2500 Deductible 620 7 Stucco siding No
2002 330,000 Shingles Roof 2,930 5 $500 Deductible 480 5 Stone Siding yes
2005 625,000 Asphalt Shingles Roof 4,380 5 $2500-$5000 Deductible 660 4 Stone Siding yes
1999 430,000 Membrane Roof 4,040 5 $500 Deductible 1090 7 Brick siding yes
1993 275,000 Wood Shake Roof 2,540 5 > $10,000 Deductible 330 4 Stucco siding yes
2013 705,000 Slate Shingles Roof 4,780 5 > $10,000 Deductible 730 6 Brick siding No
2006 330,000 Membrane Roof 2,840 4 $1000-$2500 Deductible 440 4 Stucco siding yes
2008 505,000 Shingles Roof 4,490 5 $5000 to $10,000 Deductible 540 5 Vinyl siding No
2000 200,000 Slate Shingles Roof 1,870 4 $500 Deductible 80 1 Stone Siding No
2014 360,000 Membrane Roof 2,380 3 > $10,000 Deductible 380 6 Fiber-Cement Siding yes
1992 305,000 Wood Shake Roof 2,630 4 > $10,000 Deductible 640 9 Wood siding yes
2010 220,000 Slate Shingles Roof 1,500 3 $5000 to $10,000 Deductible 190 4 Stucco siding No
1999 435,000 Composition Roof 2,940 5 $500 Deductible 420 2 Stone Siding No
1992 135,000 Slate Shingles Roof 1,230 3 $2500-$5000 Deductible 310 9 Stucco siding yes
2004 205,000 Membrane Roof 1,920 4 $1000-$2500 Deductible 350 5 Brick siding yes
2012 195,000 Membrane Roof 1,840 5 $1000-$2500 Deductible 840 12 Vinyl siding yes
1996 540,000 Wood Shake Roof 4,190 5 $500 Deductible 2700 10 Vinyl siding No
2006 465,000 Composition Roof 4,390 5 > $10,000 Deductible 1100 8 Wood siding yes
2013 345,000 Metal Roof 3,360 5 $5000 to $10,000 Deductible 190 2 Vinyl siding yes
2010 320,000 Metal Roof 2,740 5 $1000-$2500 Deductible 520 5 Wood siding No
1996 160,000 Asphalt Shingles Roof 1,570 3 $500 Deductible 620 8 Brick siding No
1996 200,000 Metal Roof 1,800 3 > $10,000 Deductible 380 8 Vinyl siding yes
2001 160,000 Slate Shingles Roof 1,360 3 $500 Deductible 50 1 Vinyl siding No
2012 215,000 Wood Shake Roof 1,720 4 $500- $1000 Deductible 640 6 Brick siding No
1999 325,000 Wood Shake Roof 2,790 5 $1000-$2500 Deductible 1670 12 Stone Siding No
1998 460,000 Composition Roof 3,200 5 $500 Deductible 610 3 Vinyl siding No
2013 250,000 Shingles Roof 2,180 4 $1000-$2500 Deductible 730 9 Fiber-Cement Siding yes
2011 380,000 Asphalt Shingles Roof 2,790 4 $1000-$2500 Deductible 750 6 Brick siding No
2006 470,000 Composition Roof 3,250 4 $2500-$5000 Deductible 870 6 Stucco siding yes
2014 335,000 Slate Shingles Roof 2,920 4 > $10,000 Deductible 390 5 Vinyl siding No
1995 230,000 Wood Shake Roof 1,517 2 $500 Deductible 360 3 Brick siding No

Latest Home Insurance Reviews

I would say I'm at a four because I cannot fully evaluate their services because I have never had to file a claim. Hopefully I never will.
State Farm
Extremely satisfied. Trusted company. I love state farm insurance company
I rate my current insurance a 4. They have been very good about giving me great coverage on my home with 24/7 report whenever I need them.
State Farm
The company provides affordable and reliable service, and usually the customer service is easy and efficient when I have any issues.
I would recommend MetLife to others if they can get discounted offer through their company or they can have a good sale offer.
Farmer's Insurance
My insurance company offers theft and flood policies in addition to all the major damage coverage you would need for your home.
Liberty Mutual
Their customer service is satisfactory, they also seems to respond in a timely manner and is always seems to be happy to resolve any issues
State Farm
I have been completely satisfied with State Farm insurance. We had hail damage a few years ago and filing the claim for a new roof was very easy. State Farm did everything they said they would do to get our new roof.
My policy has a fairly comparable deductible and premium. That is to say, it's very average. I chose a slightly higher deductible so that my monthly cost would be lower.
State Farm
The policy that Sate Farm offers is very competitive with other comparable insurance companies. The overall costs are similar for the coverage provided.
State Farm
deduction was low, good pricing and their customer service was great
I wanted to know if my premium was going to go up, they politely explained that yes, but it was part of the yearly increase.
This is my first home owner policy I've had and not very long the offerings where much higher in return if something where to happen to my house compared to other companies I had delt with in getting quotes.
Encompass Insurance
Yes I would recommend. They are pretty quick to respond with any questions, and payments are automatically billed to my credit card.
Travelers is well established as a long term company with many satisfied customers. They don't resort to cute ads to get you to remember their name. Service and price speak for themselves
American Family Insurance
They are able to help in any way and wont give up till any problem or question you have is resolved they keep in touch by phone, emaem whatever you prefer!
Safeco Insurance
I like the fact that you can get an overall better price when you bundle multiple insurance products together into one overall price
I am not happy that they are raising their premiums every year and we actually only had one or two minor claims, there is no reason for them to raise their prices like that.
It does cover fire, hail, water, wind, damage as well as theft and personal liability when most make you get multiple different policies.
Farmer's Insurance
My agent is always available and very helpful. The few times I’ve had questions, I’ve never had to wait long for him to get back to me. At one point, when I couldn't make it into the office to sign papers, he dropped everything and came to me to explain my policy and get my signatures.
I love that geico writes their own policy's, IÃḃ€™ve had the run around from other companies in the pasts where what they quote me isn't what they end up charging, because it was only a "quote" and the underwriters changed it on me without notice, so the fact that geico underwrites their own policies is amazing what they state is the quote does not change, this also means they are cheaper the others
State Farm
Can think of nothing to add here, as I have no complaints or problems
State Farm
They have been fair with the price and are a reputable company that we can make sure will take care of us.
Geico provides reasonable prices and excellent customer service. The call handlers are always prompt and courteous when I call them.
It is hard for insurance to keep up with home prices, better theft coverage, cheaper insurance would be good, if anything happened I could not move back to the same area
State Farm
Its ok, although I liked the previous company better for its personal and attentive service, this one is cheaper.
American Family Insurance
I like that it's affordable, and it was one of our only options having a manufactured home. The website is easy to navigate, and there are agents locally in my town.
I recommend it since in addition they are very efficient and the customer service are very friendly
Amica Mutual Insurance
I do not like the website. It should be more user-friendly and offer more services you can complete online rather than having to speak with a representative.
State Farm
We have had State Farm insurance for our home and vehicles for more than 15 years. We've always had excellent customer service. Our agent is very responsive and helpful.
State Farm
I can't really think of anything that I would complain about regarding my insurance company. It might be nice to have them consistently have the lowest price, but they do lower it when everyone is safe.
State Farm
I like that the company cares about me and I can tell that they are very interested in my general welfare. I like how they work and I am glad to work with them.

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