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The Best Homeowners Insurance Companies in Nevada

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    Nevada homeowners have several highly-rated provider options when it comes to home insurance. Based on our evaluation, the best home insurance companies in Nevada include State Farm, Allstate, Farmers, American Family, and, for those who are eligible, USAA. Based on our research, these companies have affordable rates, customizable coverage options, and good discounts.

    The 5 Best Homeowners Insurance Companies in Nevada 

    Compare Nevada’s Best Insurance Companies


    Average Annual Premium* AM Best Financial StrengthJ.D. Power Overall Customer Satisfaction
    State Farm$1,051A++ (Superior)835/1,000
    Allstate1,152A+ (Superior)829/1,000
    Farmers$1,081A (Excellent)813/1,000
    American Family$988A (Excellent)831/1,000
    USAA$983A++ (Superior)882/1,000**

    *Based on $200,000 dwelling coverage

    **USAA not officially ranked by J.D. Power due to eligibility restrictions

    State Farm

    State Farm is highly-rated for exceptional customer support, as determined by 2021 J.D. Power Home Insurance Study scores. Plus, it has competitive premiums for homeowners in Nevada, based on sample rate data from Coverage.com. For those new to home ownership, its Simple Insights blog can help you learn more about homeownership.

    Best for Customer Satisfaction

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths, but among nationally-available providers, it receives the highest scores from J.D. Power.
    • $1,051 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 835 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths, but among nationally-available providers, it receives the highest scores from J.D. Power.

    Pros

    • Superior financial strength ratings
    • Excellent web presence & highly-rated mobile app
    • 19,000+ agents nationally

    Cons

    • Not available to new policyholders in Massachusetts and Rhode Island
    Read More

    Discounts available

    • Multiple policy discount
    • Fire, smoke, or burglar alarms discount
    • Impact-resistant roof discount

    Unique features

    State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s highly-rated mobile app. For the industry, such a robust and highly-rated digital policy management experience is fairly unique.

    Further Reading on State Farm:

    Allstate

    Allstate’s strength is in the diversity of its coverage offerings and discounts, which allow you to customize a policy that works best for your circumstances. It also has a great website, with tons of useful information for new and existing homeowners.

    Best for New Homebuyers

    Why we chose it

    Some of Allstate’s discounts and insurance educational resources are specifically oriented towards new homeowners. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage, which may provide additional peace of mind for new homeowners.
    • $1,152 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A+ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 829 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Some of Allstate’s discounts and insurance educational resources are specifically oriented towards new homeowners. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage, which may provide additional peace of mind for new homeowners.

    Pros

    • Diverse discount opportunities
    • Informative website and digital tools

    Cons

    Read More

    Discounts available

    • Early signing discount
    • Home buyer discount
    • Hail-resistant roof discount
    • Claim-free discount

    Unique features

    Allstate’s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires, for example.

    Further Reading on Allstate:

    Farmers

    Farmers offers a unique quoting experience that features three tiers of service. Within those three tiers, you can further customize your policy, if you have expensive electronics or jewelry to cover, for example.

    Best for Quote Options

    Why we chose it

    Those three options for your coverage allow you to choose a policy that works for your pocketbook. Even at the lowest level, you can choose higher coverages for specific items, making your policy one of a kind.
    • $1,081 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A (Excellent) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 813 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Those three options for your coverage allow you to choose a policy that works for your pocketbook. Even at the lowest level, you can choose higher coverages for specific items, making your policy one of a kind.

    Pros

    • Three tiers of customizable coverage
    • Identity theft coverage available

    Cons

    • Limited website resources
    • Limited discounts
    Read More

    Discounts available

    • Non-smokers 
    • Multiple policies 
    • Professional group member
    • Protective devices
    • New home, less than 14 years old

    Unique features

    Farmers’ three tiers — standard, enhanced, and premier — let you pick the best coverage for your situation based on cost and coverage needs. The highest level, premier, can include Guaranteed Replacement Cost coverage, if certain requirements are met.

    Further Reading on Farmers:

    American Family

    American Family’s digital experience is one of the best in the insurance industry. On the website, you’ll find dozens of free tools and resources that make it easier to decide what type of coverage you need and how much coverage you need, as well as a dictionary of common terminology and FAQs.

    Best for Online Tools and Resources

    Why we chose it

    American Family may be ideal for homeowners who prefer to make an informed, educated decision about coverage needs. In particular, the home insurance checklist, home insurance calculator, and the home inventory worksheet may be useful for your insurance journey.
    • $988 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A (Excellent) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 831 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    American Family may be ideal for homeowners who prefer to make an informed, educated decision about coverage needs. In particular, the home insurance checklist, home insurance calculator, and the home inventory worksheet may be useful for your insurance journey.

    Pros

    • Helpful digital resources
    • Customizable coverage options
    • 24/7 claims center

    Cons

    • Limited availability
    • Financial strength ratings not as strong as other top companies
    Read More

    Discounts available

    • Newer home that is less than 15 years old
    • Family discount
    • Recently renovated home
    • AutoPay, pay in full, and paperless billing
    • Smart home discount

    Unique features

    American Family encourages homeowners to install smart home devices in their home for added safety and protection. There’s an entire section of the website dedicated to smart home products, discounts, and benefits. 

    Further Reading on American Family:

    USAA

    Like Amica, USAA appears at the top of rating lists for its excellent customer service, comprehensive policies, and fair prices. The only catch is that you must be a current or former member of the military community or an eligible family member to purchase a policy — but if you are, the company should be your first stop.

    Best for Military Members and Families

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you are currently or formerly a member of the Armed Forces, or an immediate family member, you may benefit from comparing a home insurance coverage quote with USAA.
    • $983 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ (Superior) AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 882 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you are currently or formerly a member of the Armed Forces, or an immediate family member, you may benefit from comparing a home insurance coverage quote with USAA.

    Pros

    • Outstanding customer service
    • Policies tailored to military family needs
    • Competitive pricing

    Cons

    • Only available to current and former military members and their families
    • USAA is not officially ranked for customer satisfaction due to eligibility requirements.
    • Limited discounts
    Read More

    Discounts available

    • Save up to 10% if you bundle with auto
    • Claims-free 10% discount
    • Home security system discount

    Unique features

    USAA’s policies are written with service men and women in mind. This means they have details that anyone in the military can appreciate, such as full coverage for uniforms for active duty or deployed members.

    Further Reading on USAA:

    Average Cost of Homeowners Insurance in Nevada

    Homeowners insurance in Nevada is very inexpensive compared to the national average. The average home insurance premium in Nevada is $968 per year, according to our review of annual rates from Coverage.com for $200,000 in dwelling coverage. For comparison, the national average is $1,580 per year. 

    Keep in mind that your own rate will depend on a number of factors, including the age of the house, your credit rating (in some states), and where you live. For example, home insurance in Las Vegas, Nevada may be very different from a comparable house in Carson City or Wells. Prices will even vary depending on your specific ZIP code in most states; homeowners insurance in Las Vegas’ Summerlin community will be different from the rates in Boulder City, for example.

    Home Insurance Add-Ons That Will Further Protect You

    Homeowners in Nevada may want to consider purchasing earthquake coverage, which is not included in standard home insurance policies. If you live near a fault line, particularly near the California border, an earthquake insurance policy will cover earthquake-related damage to your home or personal property, up to policy limits. Flood insurance is also considered beneficial for homeowners to have, especially if their home is in a flood zone, but must be purchased as a separate policy.

    The Cheapest Homeowner Insurance Companies in Nevada

    CompaniesAverage Annual Premium for $200K in Dwelling Coverage
    Universal Insurance Company Group$552
    Nevada Capital Insurance Co.$700
    Travelers$736
    USAA$983
    American Family$988
    State Farm$1,051
    Farmers$1,081
    Allstate$1,152

    Top 3 Cheapest Homeowners Insurance Companies in Nevada 

    • Universal Insurance Co. Group – $552
    • Nevada Capital Insurance Co. – $700
    • Travelers – $736

    Top 3 Most Expensive Homeowners Insurance Companies in Nevada

    • Allstate – $1,152
    • Farmers – $1,081
    • State Farm – $1051

    Helpful Resources for Nevada Homeowners

    If you’re shopping for homeowners insurance in Nevada, check out the Nevada Division of Insurance’s Guide to Homeowners Insurance for information about what home insurance covers, what policies are available, and what factors may affect premiums. The website also contains helpful information about reading your policy and how to file a claim.

    Homeowners Insurance FAQ 

    Methodology

    We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers. 

    To compare home insurance companies across the board, we considered the following factors:

    • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using 2021 J.D. Power Home Insurance Study ratings.
    • Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
    • Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
    • Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

    Rates are based on quoted annual premiums from Coverage.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.

    The coverage limits for home insurance rates reflect the following coverage and limits:

    • Coverage A, Dwelling: $200,000
    • Coverage B, Other Structures: $0
    • Coverage C, Personal Property: $100,000
    • Coverage D, Loss of Use: $40,000
    • Coverage E, Liability: $250,000
    • Coverage F, Medical Payments: $1,500

    The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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