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 $. Enter your zipcode below and click “GO” to get multiple free quotes.
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Las Vegas, NV | 3.2% | 12.1% |
| Winchester | 3.78% | 11.0% |
| Paradise | 3.34% | 11.79% |
| Whitney | 3.66% | 13.99% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Las Vegas | $95 to $97 |
| Winchester | $92 |
| Paradise | $95 |
| Spring Valley | $96 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $3,900 |
| 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 | |
| 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 |
| Insurance Company | American Family Insurance | Farmers Insurance | Nationwide Insurance |
| Monthly Premium | 23 | 93 | 60 |
| Year Built | 1983 | 2001 | 1990 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $50000-$75000 | $200000-$250000 | $300000-$350000 |
| Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible | > $10,000 Deductible |