North Las Vegas Insurance Rates:

North Las Vegas, NV homeowners insurance is about $536 to $726, about $44-$60/month. Our exhaustive research reveals consumers can save upto $252 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Tips For Choosing The Best North Las Vegas, NV, Home Insurance Company

In North Las Vegas, Nevada, homeowners pay an average home insurance rate ranging from $536 to $726. vHome’s analysis reveals that North Las Vegas homeowners can save as much as $252 by choosing the cheapest home insurance provider. Below are some of the factors that North Las Vegas homeowners should consider before choosing the home insurance company that best suits their coverage needs.


A.M. Best Rating

Financial strength is referred to as the capacity of an insurance company to grant the claims of current policyholders. North Las Vegas homeowners are recommended to opt for home insurance companies with high financial strength ratings. A.M. Best rates home insurance companies based on their financial strength. North Las Vegas homeowners can use these ratings to identify home insurance companies with a high financial capacity.

J.D. Power Score

J.D. Power awards home insurance companies with a score based on the feedback collected from current policyholders. The customer satisfaction score of an insurance company is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. North Las Vegas homeowners can use the J.D. Power Score to choose insurance companies that ensure the satisfaction of policyholders.

Comparing Quotes

Home insurance companies use different parameters to calculate home insurance rates. Home insurance quotes can differ from one insurance company to another. North Las Vegas homeowners should obtain quotes from multiple home insurance companies to choose the cheapest one. Homeowners should also consider the add-on policies offered by home insurance companies, in addition to the standard home insurance policy.

Deductibles vs. Insurance Rates

North Las Vegas homeowners can opt for high deductibles to reduce their home insurance rates. The deductibles and the corresponding reduction in home insurance rates differ from one home insurance company to another. North Las Vegas homeowners are advised to choose the home insurance company that offers the highest discount for their deductibles.

Claims Processing Speed

Home insurance companies should be swift in processing the claims of homeowners. Homeowners are generally given a time period of 10 to 30 days to file a claim in case of damages. Once submitted, home insurance companies take a maximum of 40 days to review the claim and accept or deny it. North Las Vegas homeowners are suggested to choose home insurance companies with a simple and swift claims processing system.

North Las Vegas, NV Homeowners Insurance By Home Value

North Las Vegas, NV Home Value Total Homes % of Total Average North Las Vegas, NV Homeowners Insurance
Less than $50,000 1,861 4.0% $94
$50,000 to $59,999 513 1.0% $201
$60,000 to $69,999 908 2.0% $252
$70,000 to $79,999 1,203 3.0% $289
$80,000 to $89,999 2,019 5.0% $333
$90,000 to $99,999 1,555 4.0% $371
$100,000 to $124,999 5,346 14.0% $428
$125,000 to $149,999 4,059 10.0% $535
$150,000 to $174,999 5,139 13.0% $636
$175,000 to $199,999 3,264 8.0% $730
$200,000 to $249,999 6,068 15.0% $882
$250,000 to $299,999 3,773 9.0% $1077
$300,000 to $399,999 2,354 6.0% $1373

Top Home Insurance Agents Near North Las Vegas, NV

Home Insurance Company Near North Las Vegas, NV Homeowners Insurance Agency Near North Las Vegas, NV Address
Travelers Advance Insurance & Benefits Nevada Inc 6290 S Rainbow Blvd, LAS VEGAS, NV, 89118
Travelers Cove Insurance Agency Llc 5420 W SAHARA AVE #102-8, LAS VEGAS, NV, 89146
Liberty Mutual Independent Glb Insurance Group Of Nevada 4455 S PECOS RD, LAS VEGAS, NV, 89121
Farmers Steven Schiebel Lutcf 1590 W Horizon Ridge Pkwy Ste 120, Henderson, NV, 89012
Allstate Tim Ferguson 6655 W Sahara Ave Ste B106, Las Vegas, NV, 89146

North Las Vegas, NV Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near North Las Vegas, NV

Streets in North Las Vegas Area Homeowners Insurance Cost
Earthsong Ct, Guiding Star, Bunnell Ave, Nairobi Ln, Bradford Hill Ave, Lawry Ave, Judith, Island Paradise Ave, Shimmering Peak Way, W Lovely Ct$626
Penny Cross Dr, Altar Rock Ln, E Granada Gorge Ln, Eagle Rose St, Reed Station St, E Judson Ave, Willowcreek Rd, Painted Hills St, N Heavenly Moon St, Restful Crest Ave$623
Piercey Ct, E Farm Bridge Ave, W Garden Genoa Ave, Herblinda, Woodard St, Colby Creek Ave, Sandy Ridge St, Samsara Cir, N McCarran St, Sun Broom St$635
Green Heron St, Fort Dix Cir, Copper Light St, W Silsbee Ct, Gracious Crest Ave, Teal Point Dr, Rocky Stone Ave, Bluff Stone, Farina, Dante Ct$624
W la Madre, Frio Cir, N Andrews St, Salmon Dr, China Cloud Dr, Bowman Rd, Pagentry, Grace Mountain St, Amy Lynn St, Diazo St$625
Arcata, Tesoro del Valle Ct, Little Coyote Rd, Fire Eye Way, E Angel Flight Dr, Dalton Ridge Ct, Stewarts Point Rd, Alamo Heights Ave, Puka Shell St, Brothers Ave$617
Iceland Gull St, Gifford St, E Lazy Hill Ranch Way, Pergola Ct, Anasazi Ave, Dillon Ave, Dusty Cowboy Cir, Pearl, York Ave, N Athinas St$662
Hawkeye Bell St, E Xavier Ridge Ave, E Washburn Rd, Kings Hill Rd, Deep Blue St, McCarran Blvd, Barrel Bronco, Crystal Cavern Way, Nerine Pass Way, Adonis Heights St$631
Hebert Cir, Colonnade Row Dr, W River Glider Ave, Bright Morning St, Sockeye Ln, Orange Orchid Pl, Hidden Valley, E Iron Summit Ave, Raptors View Ave, Klosterman Cir$618
Indigo Hills St, W San Miguel Ave, Sorrowing Sparrow Ct, Donato, E Laguna Heights Ave, Tennessee Walker Ave, Graham Cracker St, Country Hill Dr, E Harewood Cir, W Webb Ave$624

North Las Vegas, NV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
North Las Vegas$94 to $96
Nellis AFB$97
Sunrise Manor$92
Las Vegas$95

North 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
Nellis AFB CDP, Nevada $98 $130 $195
Sunrise Manor CDP, Nevada $92 $123 $185
Winchester CDP, Nevada $92 $123 $185

North 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
North Las Vegas, NV3.1%12.8%
Sunrise Manor3.45%13.06%
Las Vegas3.15%12.13%

North Las Vegas Renters Insurance as a Percentage of Rent

North Las Vegas Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 487 1.0% $1252
$500 to $749 2,726 10.0% $1927
$750 to $999 6,022 23.0% $2677
$1,000 to $1,499 10,740 41.0% $3802
$1,500 or more 5,371 20.0% $5452

North Las Vegas, NV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly North Las Vegas Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,300$9,700
Net Savings to North Las Vegas Home Owner from High Deductible Plan $600

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

Scenario North Las Vegas, NV Home Replacement Value MORE than Home Value North Las Vegas, NV Home Replacement Value LESS than Home Value
Replacement Value $125,500 $77,000
Insurance Premium based on Replacement Value $700 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,500 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $100/year

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

Insurance Company GEICO InsuranceAllstateAmica Mutual Insurance Company
Monthly Premium 886189
Year Built 200020132013
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$200000-$250000$250000-$300000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for North Las Vegas, NV from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2003 205,000 Membrane Roof 2,530 4 > $10,000 Deductible 490 8 Wood siding No
2001 495,000 Slate Shingles Roof 4,800 5 $2500-$5000 Deductible 1410 10 Vinyl siding No
2014 220,000 Composition Roof 2,540 5 $500- $1000 Deductible 730 6 Brick siding No
2012 265,000 Tile Roof 2,960 4 > $10,000 Deductible 130 2 Vinyl siding yes
2006 205,000 Asphalt Shingles Roof 1,790 5 $2500-$5000 Deductible 210 3 Stucco siding yes
2010 245,000 Slate Shingles Roof 2,610 4 $1000-$2500 Deductible 770 9 Fiber-Cement Siding yes
2013 160,000 Shingles Roof 2,050 4 $2500-$5000 Deductible 120 3 Fiber-Cement Siding No
2010 130,000 Tile Roof 1,520 3 $500- $1000 Deductible 50 1 Stone Siding No
2000 100,000 Slate Shingles Roof 1,310 3 $500- $1000 Deductible 230 5 Stucco siding yes
2009 115,000 Tile Roof 1,240 3 $500 Deductible 280 5 Stucco siding yes
2008 195,000 Membrane Roof 2,250 3 $2500-$5000 Deductible 660 12 Brick siding yes
2011 310,000 Composition Roof 3,240 4 $5000 to $10,000 Deductible 340 3 Wood siding yes
2004 310,000 Tile Roof 2,760 4 $1000-$2500 Deductible 360 3 Stone Siding No
2013 405,000 Slate Shingles Roof 4,970 5 $1000-$2500 Deductible 1240 12 Wood siding No
2003 140,000 Wood Shake Roof 1,690 3 $500- $1000 Deductible 410 6 Vinyl siding No
2001 430,000 Shingles Roof 4,380 5 $500- $1000 Deductible 670 4 Brick siding No
2012 130,000 Tile Roof 1,390 3 $1000-$2500 Deductible 200 3 Stucco siding No
2012 215,000 Metal Roof 2,110 3 $1000-$2500 Deductible 220 3 Brick siding No
2009 195,000 Shingles Roof 2,190 4 $5000 to $10,000 Deductible 420 10 Brick siding No
2011 515,000 Asphalt Shingles Roof 4,920 5 $500 Deductible 1980 8 Vinyl siding yes
2001 225,000 Composition Roof 2,470 4 $5000 to $10,000 Deductible 330 7 Stucco siding No
2010 205,000 Composition Roof 2,270 3 $500- $1000 Deductible 500 9 Brick siding No
2010 305,000 Slate Shingles Roof 2,870 5 > $10,000 Deductible 300 4 Stone Siding yes
2001 180,000 Shingles Roof 1,660 3 $2500-$5000 Deductible 270 7 Wood siding yes
2013 125,000 Shingles Roof 1,330 3 $500 Deductible 120 3 Fiber-Cement Siding yes
2014 225,000 Slate Shingles Roof 2,250 5 $5000 to $10,000 Deductible 130 2 Fiber-Cement Siding yes
2006 220,000 Membrane Roof 2,360 3 $500 Deductible 570 6 Brick siding yes
2011 210,000 Slate Shingles Roof 1,840 4 $5000 to $10,000 Deductible 470 7 Wood siding No
2013 145,000 Composition Roof 1,850 4 $500 Deductible 120 3 Stone Siding No
2000 245,000 Metal Roof 2,370 4 $500 Deductible 860 8 Vinyl siding yes
1990 245,000 Composition Roof 2,262 4 $2500-$5000 Deductible 1440 12 Stone Siding yes

Latest Home Insurance Reviews

I would definitely recommend Progressive to others because of their premiums and deductibles first and the fact that they have great customer service.
State Farm
I would definately recommend this company to anyone looking. They have the best rates for our area and there is a local office that we can use if we need in person help. They have a great product.
I would recommend this company. I was in a pinch and needed new insurance, due to the mortgage shifting from one company to another.
American Family Insurance
I have had a good experience with American Family Insurance. I haven't had any issues. It was easy to set up and pay for a plan with them.
State Farm
Insurance rates change frequently and having someone contact us to ensure we are getting the best rates possible, is why we continue to stay with this company.
State Farm
They're always available when I need them and answer my questions thoroughly. They're always polite, always concerned and never seem put out by an email or phone call.
Century National
This company is good about sending me information about my policy every year at renewal time. this helps me to understand what the policy covers.
The only thing that I may dislike is my premium amount. But I honestly don't know if I could get a lower rate somewhere else so this is not a true dislike. I really like this company and feel for the most part that I am getting exceptional service.
American Insurance
I do not like that with this company they are not very good at communicating and I do not like that their navigation system online is not as direct.
State Farm
I like that the company has a good reputation for providing the best coverage - I like knowing that if there is a claim that the company will not have an issue paying a reasonable claim
The Hartford
They charge a fee for making payments on your policy unless you pay the total in full. They dont seem to offer any type of discount if you go without a claim.
I have not compared policy prices in several years, so I'm not sure how it compares in the big picture, but it has been about the same for the 12 yrs. we have owned our house and has only gone up slightly when we added extra coverage.
I can't think of much that I dislike about the company. The only thing would be maybe the cost, however because of the great service I am willing to pay a bit more for it.
State Farm
Slowness. I still don't understand why things are so slow. I have a job at a fairly large company and we work fast. This makes me think leadership is somewhat lacking at this company. The individuals I work with are not leadership and are somewhat hindered by the process.
American Family Insurance
The company is responsive and I like the agent and the service that I've received when we had an accident. The accident was minor and only involved my car. I didn't receive a ticket for anything
State Farm
The app and web self-service leave a lot to be desired as far as convenience, and I very much wish they offered bill pay online.
American Family Insurance
I recommend AmFam because their app is easy to navigate, the costs are negligible, and their agents are a joy to work with.
Safeco Insurance
I like the customer service and insurance protections that Safeco offers to its customers. I would highly recommend them to anyone.
State Farm
They have a strong history in the industry and have proven to be reliable. They will be there when I need them, I don't have to worry.
American Family Insurance
there is no reason to dislike the company.
Farmer's Insurance
I only dislike that I have to go into the office sometimes to talk to an agent. The local agents are more capable to handle our local situation, than the nationwide call center that is not located in my part of the country.

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