Las Vegas Insurance Rates:

Las Vegas ,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 Las Vegas, 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 Las Vegas, NV is $1179. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Las Vegas, NV: Customer-Reviewed Options


Las Vegas, NV Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Las Vegas, NV. VHome Insurance will help you navigate the world of homeowners insurance coverages in Las Vegas, NV.

Coverage Level Average Annual Premium
$100,000 $472
$200,000 $802
$300,000 $990
$400,000 $1,509
$500,000 $1,898


Las Vegas, NV Homeowners Insurance Rates by ZIP Code

Home insurance costs in Las Vegas 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
089101 $1,082
89115 $1,079
89135 $1,186
89124 $1,152
89144 $1,156
89131 $1,154
89117 $1,150
89134 $1,138
89113 $1,145
89149 $1,146
89141 $1,153
89148 $1,137
89146 $1,127
89143 $1,128
89129 $1,131
89109 $1,156
89123 $1,133
89139 $1,137
89130 $1,123
89128 $1,116
89147 $1,116
89118 $1,126
89120 $1,114
89145 $1,107
89102 $1,114
89119 $1,102
89108 $1,095
89142 $1,097
89110 $1,096
89156 $1,087
89121 $1,089
89103 $1,085
89122 $1,088
89107 $1,094
89106 $1,081
89104 $1,091


Las Vegas, NV Homeowners Insurance Deductibles

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 Las Vegas, NV, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,209
$1000 Deductible $1,081
$1500 Deductible $1,020
$2500 Deductible $920
$5000 Deductible $778



Top Home Insurance Agents Near Las Vegas, NV

Home Insurance Company Near Las Vegas, NV Homeowners Insurance Agency Near Las Vegas, NV Address
Travelers Harris Insurance Services Inc 3480 W Hacienda Ave , Las Vegas, NV, 89118
Farmers Karen Kliger 3085 S Jones Blvd Ste A, Las Vegas, NV, 89146
State Farm Larry Keever 10300 W Chas Blvd Ste 22, Las Vegas, NV, 89135-1038
Liberty Mutual Norma Moreno 7229 W. Sahara Ave. Ste - 100, Las Vegas, NV, 89117
Liberty Mutual Paula Marayonk Lutcf 9005 S Pecos Road Ste 2530, Henderson, NV, 89074

Las Vegas, NV Home Insurance Agents for Top Companies


Las Vegas, 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
Winchester CDP, Nevada $92 $123 $185
Paradise CDP, Nevada $95 $126 $189
Whitney CDP, Nevada $92 $123 $185


Las Vegas, 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
Las Vegas, NV3.2%12.1%

Las Vegas Renters Insurance as a Percentage of Rent

Las Vegas Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 6,559 2.0% $1248
$500 to $749 44,119 15.0% $1923
$750 to $999 81,475 28.0% $2673
$1,000 to $1,499 106,845 37.0% $3798
$1,500 or more 43,526 15.0% $5448

Cost Of Homeowners Insurance By Street Near Las Vegas, NV

Streets in Las Vegas Area Homeowners Insurance Cost
Butterchurn Ave, Braided River Ave, Barbuda Rd, Mapleleaf St, Tadpole Ln, Coronado Canyon Ave, Masked Duck Ave, N Dara St, Spring Bud Dr, Morgan Springs Ave$611
Lupine Bush Ct, Rainer Ct, Lacey Tree St, Nevada Falls, Monmouth Ct, E Duskyseed Ct, Bethany St, Dogwood Ranch Ave, Cardinal Dr, Nike Way$628
Vanderhoof Ct, Pacific Crestwood Pl, Davis Pl, Bent Arrow Dr, N High Range Dr, Whipplewood Way, Glacial Lake St, Pinehurst Dr, Finestra Dr, Stout Way$649
S Crowntop Cir, Burensburg Ave, Fieldcrest Rd, Lake Terrace Dr, Painted Desert Dr, Isle Pointe Ct, Broad Peak Dr, Lake Isle Ct, S Abbeyfield Rose Dr, Addison Walk Ct$621
Cross Ln, Daisy Drop, Denia Cir, N Point Powell Ct, San Jose Ave, Palm Canyon Ct, Moth Orchid Ct, Farndale Ave, Auborn Ave, Silver Meadow Ct$634
W Journal Ct, Quail Roost Way, Alpine Bypass Ave, N 22nd St, S Pueblo Blvd, Bishop Dr, Catalina Marie Ave, Rio del Sol Dr, Ruperts Ct, Patricia Ave$607
McCarran St, Progressive Ct, Rappeling, W New London Ct, Ann Dr, Steinke Ln, Shandin Hills Way, Night Swim, Bird Spring, Golden Scots Ct$620
Zafra Ct, Soso St, Outpost Dr, Kelly Barry Way, Pelham Park Ave, Candy Mint Ave, Hurkling Stone Ave, S Ada, Mabel Rd, Melton St$608
Gatewood Dr, Hurricane Cove Ct, Morado Hill Ln, Cereus Ct, Green Palms St, Windy Leaf, Redstone St, Scenic Crest Dr, S Banner Cloud Ct, Wrangler Ct$642
W Amaryllis Hills Ave, Mowbray Ct, McAfee Ct, Upper Meadows Pl, Heffner Hills Cir, Greenlake Way, S Giles St, Sherbrooke Pl, Sun Rose Cir, Jebel Ave$634

Las Vegas, NV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Las Vegas$95 to $97
Spring Valley$96

Las Vegas, NV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Las Vegas Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $12,400$10,900
Net Savings to Las Vegas Home Owner from High Deductible Plan $1,500


Las Vegas, NV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Las Vegas, NV Home Replacement Value MORE than Home Value Las Vegas, NV Home Replacement Value LESS than Home Value
Replacement Value $206,500 $121,000
Insurance Premium based on Replacement Value $1,125 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $40,500 Risk Exposure from Under Insuring Coverage is $45,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $225/year


Example Las Vegas Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceFarmers InsuranceNationwide Insurance
Monthly Premium 239360
Year Built 198320011990
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $50000-$75000$200000-$250000$300000-$350000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible> $10,000 Deductible