Pahrump, NV Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Pahrump, NV | 4.2% | 15.0% |
| Indian Springs | 4.37% | 18.21% |
| Mount Charleston | 1.55% | 7.38% |
| Amargosa Valley | 6.02% | 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 Deductible | High 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 Company | American Family Insurance | Liberty Mutual |
| Monthly Premium | 37 | 47 | 77 |
| Year Built | 1984 | 2004 | 1996 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 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
ProgressiveI 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 InsuranceThe 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.
AllstateI 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.
ProgressiveOur 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 FarmI 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.
TravelersI would most definetely recommend. Travelers has a good combination of great rates and outstanding service. They go above and beyond
State FarmOur 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.
NationwideI 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.
AllstateMy home insurance company policy is a lot cheaper than other competitors on the market today. Cost efficient
American Family InsuranceWe 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 InsuranceWe 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 FarmThey 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.
AllstateThe 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 MutualI 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.
GeicoI 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 InsuranceI 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 InsuranceMy company has a very clunky system. It's fairly difficult to navigate to make any claims and they primarily communicate via physical mail.
AllstateAMAZING 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.
ProgressiveI 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 InsuranceThere 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.
ProgressiveThis 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.