Pahrump Insurance Rates:

Pahrump, NV homeowners insurance is roughly $527 to $718, about $43-$59/month. Our thorough research reveals consumers can save upto $248 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Find Low-Cost Homeowners Insurance in Pahrump, NV

As a homeowner in Pahrump, NV, it is essential to have Homeowners Insurance to protect your home and belongings in case of a covered loss. Homeowners Insurance can help pay to repair or replace your home and belongings if they are damaged or destroyed by a covered event, such as a fire, windstorm, theft, or vandalism. Homeowners Insurance can also help pay for temporary living expenses if your home is uninhabitable due to a covered event.

The average cost of homeowner's insurance in Pahrump, NV, is $534. In Pahrump, Nevada, the price of homeowners insurance is calculated after considering various factors, such as the age of the home, the materials used in construction, the deductibles and coverage options, claim history and security precautions. VHome has thoroughly looked at these elements through its research, and here are some ideas for lowering Pahrump, NV, homeowner's insurance premiums.

Home Insurance Based on the Deductibles

Your deductible is the amount you'll have to pay out of pocket before your insurance company will start to pay out on a claim. The higher your deductible, the lower your premium will be. That's because you're taking on more risk yourself, so the insurance company doesn't have to pay as much. Of course, you'll have to pay more out of pocket if you do have to make a claim. In Pahrump, homeowners typically pay $1000 and $1500 in deductibles, with premiums of $477.29 and $449.31, respectively. Low-deductible homeowners in Pahrump must pay a higher rate. For example, in Pahrump, Nevada, homeowners who select a $500 deductible for their house insurance pay $527.59.

Home Insurance Based on the Materials Used

In Pahrump, NV, the most common materials used for construction are wood frames and brick. Wood frame houses are typically more expensive to insure than brick houses. This is because wood is more combustible than brick and is, therefore, more prone to fire damage, which is a risk to insurance companies. Brick houses, on the other hand, are less expensive to insure. This is because brick is a non-combustible material, meaning it is less likely to be damaged in a fire. However, brick houses are more susceptible to damage from wind and hail, so they typically have low insurance rates. Homes with hail-resistant roofs, for instance, cost $523.32 in Pahrump, whereas those with damage-resistant masonry and brick cost $507.3.

Home Insurance Based on Age of the House

It's no secret that where you live affects how much you pay for homeowners insurance. But did you know that the age of your home is also a factor in determining your insurance costs? In Pahrump, NV, your home's age can significantly impact your homeowner's insurance rates. Older homes are typically more expensive to insure than newer ones due to the increased risk of damage and the higher cost of repairs. In Pahrump, NV, homes older than 30 and 50 pay $542.01 and $555, respectively. However, home insurance providers offer large discounts on newly constructed homes. For example, recently built homes in Pahrump, Nevada, cost $389.82.

Pahrump, NV Homeowners Insurance By Home Value

Pahrump, NV Home Value Total Homes % of Total Average Pahrump, NV Homeowners Insurance
Less than $50,000 1,335 12.0% $111
$50,000 to $59,999 372 3.0% $236
$60,000 to $69,999 563 5.0% $292
$70,000 to $79,999 504 4.0% $342
$80,000 to $89,999 569 5.0% $385
$90,000 to $99,999 580 5.0% $435
$100,000 to $124,999 1,101 10.0% $503
$125,000 to $149,999 1,121 10.0% $628
$150,000 to $174,999 1,514 14.0% $740
$175,000 to $199,999 674 6.0% $858
$200,000 to $249,999 887 8.0% $1032
$250,000 to $299,999 682 6.0% $1262
$300,000 to $399,999 681 6.0% $1604

Top Home Insurance Agents Near Pahrump, NV

Home Insurance Company Near Pahrump, NV Homeowners Insurance Agency Near Pahrump, NV Address
Travelers Citizen Choice Insurance 5000 WEST OAKEY SUITE A-4, LAS VEGAS, NV, 89146
Travelers Leavitt Insurance Agency 7881 W Charleston Blvd Ste 140, LAS VEGAS, NV, 89117
Travelers Safeguard Insurance Llc 5225 S DURANGO DR, LAS VEGAS, NV, 89113
Travelers Sage Insurance Services Inc 1081 S CIMARRON RD STE B5-6, LAS VEGAS, NV, 89145
Travelers The Mahoney Group 6029 S. Rainbow Blvd , Las Vegas, NV, 89118

Pahrump, NV Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Pahrump, NV

Streets in Pahrump Area Homeowners Insurance Cost
W Fangio Ln, Vegas Valley Dr, W Patricia Ln, Ricksue St, Leonard St, Trudy Cir, Greta Blvd, Sisk St, Santovito St, Yakima Ave$612
Tomahawk St, Amarillo Ave, Oasis St, Pershing Ave, Hall Ave, W Santa Fe St, Rodeo Ave, Fallwood St, Potro Dr, N Boca St$613
Paso Ave, Papigo Ave, Oregon, E Acoma Ave, S Dandelion St, Mourning Dove Ct, E Mesquite Ave, State Hwy 372, E Idlewild St, Matthew Ln$620
Weston Ave, Gamebird Rd, Marne Ct, Rockafeller Dr, N Corbin St, Tecopa St, Quartzite Ave, E Gamebird Rd, Water Hole Canyon Ave, Sierra Vista Cir E$630
Emma Rd, N McKnight Ave, Morales Ln, Trudy, Autumnwod Dr, E Splendido Ave, Mira Ln, N Jims Ct, E Vineyard Dr, Caas St$608
Comstock St, E Wiley Cr, Gemini Dr, W McMurray Dr, Big 5 Rd, Flagstone Ct, Russell Rd, W Isaac St, Panorama Rd, Gypsy Ln$614
Fairmont St, S Woodchips Rd, Marion Miller St, Effinger Rd, E Bonita Ave, Basin Ave, Kimberly Ave, W Adkisson St, S Barney St, Rimrock Ave$615
Equestrian Ct, Deer St, Heather, Avellaneda St, Gee St, W Bell Vista Ave, Timothy Ave, Ranger Way, Ironside St, Vondell Dr$613
McKnight Ave, Nevada Ave, S Woodchips Rd, Alvin St, N Geneva Ct, Turner Blvd, Ironside St, Blackhorn St, Lone Pine Rd, Buol Ln$623
Caas Rd, W Cordova Pl, E Blosser Ranch Rd, Bighorn St, Sagebrush Ave, Stella St, Steptoe St, S Park Ridge Ave, Kearney St, Indio Ct$634

Pahrump, NV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pahrump$93 to $95
Indian Springs$90
Mount Charleston$111
Amargosa Valley$91

Pahrump, 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
Indian Springs CDP, Nevada $75 $100 $150
Mount Charleston CDP, Nevada $93 $124 $186
Amargosa Valley CCD, Nye County, Nevada $77 $102 $153

Pahrump, 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
Pahrump, NV4.2%15.0%
Indian Springs4.37%18.21%
Mount Charleston1.55%7.38%
Amargosa Valley6.02%15.94%

Pahrump Renters Insurance as a Percentage of Rent

Pahrump Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 232 5.0% $1258
$500 to $749 900 23.0% $1933
$750 to $999 896 23.0% $2683
$1,000 to $1,499 1,639 42.0% $3808
$1,500 or more 150 3.0% $5458

Pahrump, NV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$3,700
Yearly Pahrump Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$700$3,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,200$10,700
Net Savings to Pahrump Home Owner from High Deductible Plan $500

Pahrump, NV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Pahrump, NV Home Replacement Value MORE than Home Value Pahrump, NV Home Replacement Value LESS than Home Value
Replacement Value $144,500 $95,500
Insurance Premium based on Replacement Value $625 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $30,000 Risk Exposure from Under Insuring Coverage is $19,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

Example Pahrump Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAmerican Family InsuranceLiberty Mutual
Monthly Premium 374777
Year Built 198420041996
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $100000-$125000$150000-$175000$150000-$175000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Pahrump, NV from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 200,000 Composition Roof 2,060 4 $2500-$5000 Deductible 260 6 Brick siding yes
1981 130,000 Asphalt Shingles Roof 1,410 3 $1000-$2500 Deductible 710 12 Fiber-Cement Siding No
1994 150,000 Wood Shake Roof 1,840 4 $2500-$5000 Deductible 50 1 Brick siding yes
1995 255,000 Membrane Roof 2,670 5 $5000 to $10,000 Deductible 740 10 Stone Siding yes
2012 150,000 Wood Shake Roof 2,000 4 $500 Deductible 470 8 Stucco siding No
2014 335,000 Membrane Roof 3,410 5 $500- $1000 Deductible 300 2 Stone Siding yes
2001 200,000 Composition Roof 2,140 3 $1000-$2500 Deductible 840 10 Fiber-Cement Siding yes
1998 330,000 Membrane Roof 4,480 5 $5000 to $10,000 Deductible 490 5 Stucco siding No
1989 105,000 Membrane Roof 1,520 3 $1000-$2500 Deductible 130 4 Fiber-Cement Siding No
2004 120,000 Wood Shake Roof 1,630 4 $500 Deductible 100 2 Vinyl siding No
2012 365,000 Metal Roof 4,830 5 > $10,000 Deductible 140 2 Wood siding yes
2010 260,000 Membrane Roof 2,540 4 $2500-$5000 Deductible 420 6 Stone Siding yes
2004 210,000 Asphalt Shingles Roof 2,870 4 $500- $1000 Deductible 130 2 Vinyl siding No
1986 275,000 Wood Shake Roof 3,060 5 $2500-$5000 Deductible 680 8 Fiber-Cement Siding No
2011 185,000 Shingles Roof 2,170 3 $500- $1000 Deductible 350 5 Stone Siding No
1991 350,000 Composition Roof 3,600 5 $500- $1000 Deductible 700 5 Brick siding No
1995 180,000 Metal Roof 2,100 3 $500- $1000 Deductible 340 4 Fiber-Cement Siding No
1990 390,000 Slate Shingles Roof 4,470 5 $500 Deductible 620 3 Stone Siding yes
1981 155,000 Asphalt Shingles Roof 1,630 3 $1000-$2500 Deductible 390 7 Brick siding yes
2002 175,000 Slate Shingles Roof 2,160 4 $2500-$5000 Deductible 490 10 Fiber-Cement Siding yes
2006 165,000 Wood Shake Roof 1,980 3 $2500-$5000 Deductible 310 6 Stone Siding No
2005 235,000 Tile Roof 2,360 3 $5000 to $10,000 Deductible 520 9 Stone Siding No
2006 120,000 Tile Roof 1,650 3 $2500-$5000 Deductible 320 8 Fiber-Cement Siding yes
1988 125,000 Slate Shingles Roof 1,650 3 $500 Deductible 420 8 Stone Siding yes
1998 290,000 Composition Roof 2,910 4 $5000 to $10,000 Deductible 390 4 Wood siding No
1981 170,000 Tile Roof 1,750 5 $1000-$2500 Deductible 70 1 Vinyl siding yes
2014 205,000 Wood Shake Roof 1,990 3 $5000 to $10,000 Deductible 170 3 Vinyl siding No
1987 220,000 Asphalt Shingles Roof 2,220 4 $2500-$5000 Deductible 520 7 Brick siding No
1981 215,000 Slate Shingles Roof 2,960 5 > $10,000 Deductible 440 9 Vinyl siding No
2014 150,000 Tile Roof 1,980 3 $500- $1000 Deductible 250 7 Brick siding yes
1991 355,000 Shingles Roof 4,250 5 $2500-$5000 Deductible 930 8 Stucco siding No
2010 185,000 Shingles Roof 1,960 3 $500 Deductible 260 3 Wood siding No
1998 270,000 Shingles Roof 2,910 4 $5000 to $10,000 Deductible 630 8 Fiber-Cement Siding yes
2010 155,000 Asphalt Shingles Roof 1,800 3 $500- $1000 Deductible 670 12 Stucco siding yes

Latest Home Insurance Reviews

Progressive
I have not been satisfied with this company. They work with local agents who are not local and have sent them out when I am not around. When I have tried to contact everything is over the phone.
American Insurance
The american family insurance is good service, i call the insurance agent, he hears from me what i can need, in a patient, give me more suggestions.
Allstate
I have not yet had to make a claim with Allstate, so I am not 100% sure whether they are the best company. However, we would recommend them to others due to the great price that we received.
Progressive
Our home owner insurance is Progressive. They provide us with a cheaper rate than anybody else. They know they are competing and they provide us discounts.
State Farm
I would rate my home owner's insurance company a four out of five. I just had to file a claim for hail damage and the insurance company was great to work with.
Travelers
I would most definetely recommend. Travelers has a good combination of great rates and outstanding service. They go above and beyond
State Farm
Our home insurance policy offers to come out and access the damage. Then they give us a quote on how much they will cover and then they write a check to us. We have to pay around $2000 of damage costs, but they pay for the rest.
Nationwide
I have had a couple of claims that were settled promptly. My local agent has been absolutely great in helping me with claim! Premiums are too high.
Allstate
My home insurance company policy is a lot cheaper than other competitors on the market today. Cost efficient
American Family Insurance
We have fortunately not really had to use the customer service part of our insurance. We have never had to file a claim so I have not personally had to interact with them. I am sure they do a great job.
Farmer's Insurance
We have had nothing but pleasant dealings with Farmers insurance. Our agent has been there for us when needed and answers any questions we have promptly.
State Farm
They make many online processes and policy information available online that helps save me time and phone calls unless absolutely necessary. this includes certain claims if they were to happen.
Allstate
The size is overwhelming, You can get lost in the phone tree if you are not careful, if you find a person find their number.
Liberty Mutual
I have a specific agent that I am able to call with any questions. I like that I have a dedicated representative with which I can build a rapport.
Geico
I like the fact that it is very easy to reach customer service at Geico. Especially from there website. You can also email call or online chat.
American Family Insurance
I liked the rates. I checked several companies online and my company was the lowest. They have an office by my house, i can walk there. I rate it 4. I wish the price was even lower.
American Insurance
My company has a very clunky system. It's fairly difficult to navigate to make any claims and they primarily communicate via physical mail.
Allstate
AMAZING customer service. They made our switch to them super easy for home insurance, and I have also gotten great customer service from them with our auto insurance. They are also always super polite and thank us for my husband's service.
Progressive
I would only recommend Progressive, or any insurance company, on a switching basis. These companies do not care about loyalty, only new customers. If you shop around every few years, you can get much better rates.
American Family Insurance
There were a few that were cheaper and a few more expensive but I found that I was offered more additional guarantees that the other providers didn't.
Progressive
This is the only home insurance company I have been with. They have been nothing but a pleasure for me. I got decent rates which florida is a hard state to get a decent rate in.

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