The Silver State doesn’t suffer the same storms that you find in other areas of the U.S., but it does pose some challenges to homeowners in the form of flash flooding and earthquakes.

That said, Nevada homeowners enjoy some of the lowest annual average premiums in the country for homeowners insurance, with a yearly average of just $737 — coming in at 48th in the nation.

Keep in mind that the age of your home and its specific location in the state can affect your premium. It’s important to do your research to find a policy that gives you the coverage you need in the event of an emergency at a price you can afford. We’ve already done some of the legwork for you, but to find your best price, you’ll need to compare quotes.

Nevada Homeowners Insurance Reviews


Allstate stands out for its excellent online resources. No matter your question or concern about homeowners insurance, Allstate’s website is likely to give you an answer you can understand.

We especially like its Common and Costly Claims tool, which gives you insights into the most common causes of claims in your neighborhood (think wind storms or water issues). This is really useful when you’re thinking about your property’s specific location and what kind of extra coverage you might need. For instance, in South Lake Tahoe, the most common reason for filing a claim was for water damage, but freezing water (due to bursting pipes) came in at number five, a problem local homeowners may want to purchase additional coverage for.

Allstate also has a really easy-to-use home inventory tool that allows you to catalog your belongings and estimate value and replacement cost. Your homeowners policy includes coverage for personal property loss (and theft / burglary is a common claim). Keeping an accurate home inventory is vital so that you have proof of what you owned before it went missing or damaged.

With these great online features already in place, it’s no surprise that Allstate offers an excellent online quote tool. It was the only one to automatically pull public records on the property to account for any past claims you may not know about. Because of this, it was more accurate, and when we called an agent for a quote, we were given one nearly identical to the one we got online. This helped edge the company up in our rankings.

Another helpful fact in Allstate’s favor? It gave us the lowest quote with the same coverage and deductible as the other top providers. We were impressed by the additional discounts, such as the “responsible pay” one given for simply...paying on time.

State Farm

This national standby is the number one provider of homeowner’s insurance in Nevada. State Farm ranks well in consumer satisfaction from JD Power and Consumer Reports, and it earned an A++ financial stability rating from A.M. Best, edging out Allstate.

The company’s recently redesigned website and app are of standard quality, though it’s not as robust as Liberty Mutual’s “MasterThis” content about home repair, maintenance, and safety, nor is it as innovative as Allstate’s tools.

Still, its online quote process is straightforward, the agent we spoke to was just as friendly as the one from Allstate. However, even with the same levels of coverage, we didn’t qualify for as many discounts, so our State Farm quote was higher than the competition.

Liberty Mutual

This nationally-known provider has a clean, modern website and smooth online quote system. Because the questions on their online claim form go more in-depth, we were more confident of the estimated quote’s accuracy. This included more detail about improvements to the home’s utility systems, and lifestyle questions that even covered such details as to which kinds of pets you own or whether you have a pool (a popular choice in Nevada’s ritzier suburbs).

Of note is Liberty Mutual’s mobile app, too. The contemporary design made scrolling and filling out forms very easy even on a mobile screen. Its additional features, like helpful information on how to file a claim, were easy to locate and navigate.

You can use the app to make payments, submit claims, and view your ID card should you lose it. It shares these features with Allstate’s app, but we found it overall easier to navigate, and reviewers on the app store seem to agree. It’s the highest-rated on the app store of the top insurers, with an impressive average rating of five stars.

Calling Liberty Mutual wasn’t as easy as it was for Allstate. When you call, you’re directed down an impersonal phone tree until you reach a local office. However, the representative we eventually spoke to was helpful and kindly answered all of our questions.

The quote process wasn’t significantly different than that of the other providers. However, Liberty Mutual has an “A” ranking from AM Best for financial stability, which is lower than State Farm’s A++ and Allstate’s A+. When all is said and done, an “A” is still an excellent score and not a cause for concern. But when the top providers are so close in many ways, every little quality indicator makes a difference.

Farmers Insurance Group

The online quote system with Farmers is a little clunkier: it’s not optimized for mobile devices, and the fields are not as detailed as those of Allstate or Liberty Mutual. It did result in a quick turnaround and follow up call from an agent. Despite the friendly customer service, their quote was not impressive. It was higher than Allstate’s and Liberty Mutual’s with the same deductible, and they didn’t offer any additional discounts even after we pressed for more info.

Farmers doesn’t stand out in ratings, either. Both JD Power and Consumer Reports show lower satisfaction for the claims experience. Farmers does have a solid financial rating (A from A.M. Best), but it was beaten out by State Farm (A++) and Allstate (A+).

What about USAA?

If you or an immediate relative is a member or former member of the military, then you have access to USAA. It’s a highly popular provided and very well-rated in online reviews. However, since it isn’t open to the general public, we didn’t include a sample quote from them. That said, if you are eligible, it should be on your list. Not only is it one of the highest-rated companies according to JD Power, but it’s also the fourth largest provider in the state.

A Closer Look at Nevada Premiums

We requested a quote from our top providers for a single-family suburban home in the Las Vegas area.

Our sample home specs:

The home that we used for our sample quote was built in 1999, has three bedrooms, and features standard fire safety features but not a monitored alarm system. Our sample home is valued at about $250,000, which is near the median in Las Vegas.

Remember that cheaper isn’t always better. It’s important to consider the amount of coverage you’re getting (and the deductible, which is what you’ll have to pay out of pocket before insurance kicks in).

  • State Farm: $727
  • Allstate: $621
  • Liberty Mutual: $690
  • Farmers: $707

As you can see, discounts make a big difference. For example, Allstate gives offers a 5% discount for using auto pay, plus a 10% discount for new-construction homes. And all the providers we looked at offer a discount if you have other plans with them, like auto or motorcycle insurance.

Online quotes are not set in stone, and speaking to an agent could get different results. We found that to be the case when we made calls to individual representatives, who often asked more specific questions about the home’s history and construction than we found in the online quote form. You’ll want to be sure to follow up after receiving quotes you like to determine the exact nature of the coverage and discounts for your particular property location and type.

Earthquake Damage isn't Covered by Most Policies

Did you know that Nevada ranks third in the country for major earthquakes after Alaska and California? If you don’t purchase separate earthquake insurance, damage from these tremors won’t be covered by your homeowners policy. The Nevada Division of Insurance has a thorough guide to purchasing earthquake insurance, which is a great starting place.

Note that earthquake insurance policies typically have higher deductibles, so be sure to check with the insurer on this issue so that you understand how much you’ll have to pay out of pocket before your coverage kicks in.

Consider Flood Insurance

2017 was Nevada’s wettest year on record, and northern parts of the state saw significant flooding. In part because of this, Nevada’s insurance commissioner is urging homeowners to consider expanding their insurance coverage. Changing weather patterns put the state at greater risk for significant weather events like floods (as well as windstorms).

If you’re looking for flood insurance, know that it’s not offered through your homeowners insurance provider. Flood insurance is purchased through the National Flood Insurance Program instead. You can learn more about flood insurance and even do a quick, easy flood-risk assessment through the National Flood Insurance Program’s website.