North 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 North 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 North Las Vegas, NV is $1173. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in North Las Vegas, NV. VHome Insurance will help you navigate the world of homeowners insurance coverages in North Las Vegas, NV.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $469 |
| $200,000 | $798 |
| $300,000 | $985 |
| $400,000 | $1,501 |
| $500,000 | $1,889 |
Home insurance costs in North 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 |
|---|---|
| 089030 | $1,078 |
| 89031 | $1,112 |
| 89032 | $1,107 |
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 North Las Vegas, NV, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,203 |
| $1000 Deductible | $1,076 |
| $1500 Deductible | $1,015 |
| $2500 Deductible | $915 |
| $5000 Deductible | $774 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| North Las Vegas, NV | 3.1% | 12.8% |
| Sunrise Manor | 3.45% | 13.06% |
| Winchester | 3.78% | 11.0% |
| Las Vegas | 3.15% | 12.13% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| North Las Vegas | $94 to $96 |
| Nellis AFB | $97 |
| Sunrise Manor | $92 |
| Las Vegas | $95 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $2,500 |
| 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 | |
| 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 |
| Insurance Company | GEICO Insurance | Allstate | Amica Mutual Insurance Company |
| Monthly Premium | 88 | 61 | 89 |
| Year Built | 2000 | 2013 | 2013 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $200000-$250000 | $250000-$300000 |
| Deductible | $500- $1000 Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible |