Las Vegas, NV Home Insurance - Analysis On Quotes, Rates & Agents

Las Vegas, NV Insurance Rates:

The average cost of home insurance in Las Vegas, NV is $624. vHome analyzed multiple home insurance quotes in Las Vegas, NV to narrow down the list of the cheapest insurance companies in Las Vegas, NV. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.

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Average Home Insurance Premium in Las Vegas, NV

National Average Premium State Average Premium Las Vegas Average Premium
$1,438 $641 $624

Top Home Insurance Companies in Las Vegas, NV | Back to Top

vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Travelers $708 $850 $1,105 $1,525
Safeco $724 $869 $1,129 $1,558
American Family $825 $990 $1,287 $1,777
Universal Insurance $668 $801 $1,042 $1,438

Las Vegas, NV Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 312.26
$150,000 To $174,999 470.64
$175,000 To $199,999 516.97
$200,000 To $249,999 636.63
$250,000 To $299,999 869.06
$300,000 To $399,999 1,286.74
$400,000 To $499,999 1,557.61
$500,000 To $749,999 1,993.74
$750,000 To $999,999 2,305.26
$1000,000 To $1499,999 2,538.91
$1500,000 To $2000,000 2,725.82

Visual Guide for Las Vegas, NV Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Las Vegas, NV | Back to Top

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

List of Las Vegas, NV Home Insurance Agents by Companies


Las Vegas, NV Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Las Vegas, NV with no claims filed get a discount of $74.88, whereas homeowners with one claim have to file an additional home insurance rate of $31 while homeowners with 2 claims have to pay an additional $81 for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -75 549
One Claim +31 655
Two Claim +81 705


Las Vegas, NV Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
89101 90,900 593
89115 90,200 599
89135 366,000 633
89124 332,100 605
89144 274,800 593
89131 251,200 599
89117 250,500 599
89134 245,900 599
89113 244,800 587
89149 236,200 605
89141 232,000 587
89148 230,400 593
89146 229,400 632
89143 219,400 599
89129 211,900 580
89109 207,500 590
89123 205,400 605
89139 203,100 599
89130 198,900 605
89128 198,700 632
89147 184,800 593
89118 180,200 632
89120 173,900 590
89145 162,600 593
89102 159,500 587
89119 140,000 590
89108 128,600 633
89142 125,000 632
89110 123,600 590
89156 123,200 599
89121 123,100 633
89103 120,300 632
89122 117,200 632
89107 115,400 632
89106 110,800 590
89104 100,300 633

Factors Affecting Home Insurance Premiums in Las Vegas, NV

The average cost of homeowners insurance in Las Vegas, NV is $624. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.

Las Vegas, NV Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 492
3 Bedroom 773
4 Bedroom 808
5 Bedroom 1,580

Las Vegas, NV Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 617
$1000 Deductible 558
$1500 Deductible 525
$2000 Deductible 477
$2500 Deductible 448

Las Vegas, NV Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Las Vegas, NV pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 456
Year 30 Old 633
Year 40 Old 640
Year 50 Old 648
Above Year 50 654

Las Vegas, NV Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 87 537
Masonry 31 593
Brick 31 593
Superior 56 568
Hail Resistant Roof 19 605

Top Saving Tips on Las Vegas, NV Homeowners Insurance | Back to Top

Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Las Vegas, NV homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.

The tables below contain the complete list of discounts that Las Vegas, NV homeowners can take advantage of to increase their savings.

Las Vegas, NV Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 94 530
Retiree Discount (Senior Citizen Discount) 87 711
Newly Constructed Home 168 456

Las Vegas, NV Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 75 549
Fire Extinguishers 56 568
Smoke Detectors 50 574
Sprinkler System 75 549
Fire Alarm 50 574
Burglar Alarm 56 568
Lightning Protection 12 612

Latest Home Insurance Reviews

State Farm
I don't know how well State Farm compares to other insurance companies. I have had State Farm for homeowner's insurance for 18 years since I bought my first home.
Progressive
No need to wonder about you being offered with the best rate for they got the best and with updated insurance offering
Progressive
We would recommend Progressive since they have saved us money and provided good service, but customers should always competitively shop for their insurance.
Allstate
I would recommend this company, because I have had a long experience with them, and I have had only good reviews about them as well
American Insurance
The interaction between us is minimal which is the way I like it
Allstate
Most insurers set the average minimum homeowners deductible at $1,000, while others put the minimum at $500. Most insurers will allow you to raise the deductible if you'd like.
Nationwide
I am satisfied with the deductible I have for my policy. I definitely pay a little bit extra to have it this low but it beats out some competitors.
State Farm
Customer service has been great with State Farm Insurance. I rate them a 5 because anytime i need a question answered or need to change something on my policy they are always there to help.
Amica Mutual Insurance
In that Amica Mutual Insurance is the best insurance company i think they give many policy all the people are liked that compared to another company's this is the best one.
Progressive
I believe Progressive had the same offerings as other insurance companies. I chose Progressive because they were cheaper.
Liberty Mutual
Renewal paperwork is often last minute not allowing the customer to accurately compare services for renewal with other companies. this ultimately costs the customer more if they can't research the best rates.
Progressive
The company needs to foster better relationships with these customers offering them additional support during times of uncertainty and problems.
State Farm
They could be a little cheaper. I have only one claim in like 20 years (see above). My home value hasn't gone up that much to warrant the inflation of the premium really... Also, they mail me VERY long before the premium is due. So sometimes it gets lost in the shuffle. They could time their mailing to be a bit close to the due date, not two months or so before.
Allstate
I like the company's mobile app because I'm able to look at my coverage and pay my bills just as if I was on the laptop/computer. It appears to help streamline my needs.
State Farm
I love how friendly and helpful they are. Everyone is very knowledgeable. They always answer my questions to the best of their ability
Farmer's Insurance
They generally don't reach out to me, and as with all insurance, it's something that you have that generally has no use.
Amica Mutual Insurance
I like the company,there rates were the bast that I could find. Every time I call with a question everyone is polite and take their time to answer my questions and concerns.
Liberty Mutual
I filed a claim with liberty mutual several years ago and then the process using the app to submit and monitor everything was very seamless. I filed the claim, heard back from an adjustor almost immediately (same day), and had an appointment scheduled for the next day. Once the adjustor came and approved my claim, I was able to monitor everything on the app or using Liberty Metal’s website. It was all very easy and straightforward.
State Farm
Very prompt to get back to customers they are very supportive and explain things easy for customers new to the company
State Farm
Their rates have become less competitive. For whatever reason, they will not insure against earthquakes in my area while other local companies will for a fairly inexpensive premium. My personal agent has moved to a part of town that is further away and I've never actually been able to speak with him.
Safeco Insurance
The thing I like about the company is people will have good advantages regarding the insurance and the positiveness in the company.
American Family Insurance
I would recommend American Family Insurance to others needing home insurance based on my interactions with the company.
American Family Insurance
I would recommend this insurance company for your home insurance. It is inexpensive and I was able to apply very easily when I was purchasing the house a few years ago. I haven't had any problem with it so far.
Amica Mutual Insurance
I would recommend Amica to others because they offered us the lowest premium price. We have had good experiences with customer service and they are highly rated.
American Family Insurance
first I was introduced by my friend, I liked the way they talked and received me they give as assurance of my house with the good policies the most I liked by their services
State Farm
There is not much that I dislike about the company but with them being a large company you get the usual problems such as it not seeming very personal to the person you are speaking with. That's the main problem I have, which isn't a big complaint.