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The Best Homeowners Insurance Companies in Nevada

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    Nevada homeowners have many options when it comes to home insurance. Based on our evaluation, the best home insurance companies in Nevada are Farmers Insurance and American Family. These two companies have affordable rates, customizable coverage options, and good discounts. We also recommend looking into USAA if you’re affiliated with the military. Some of our top choices for the state also made it to our national list of best homeowners insurance companies.

    Keep reading for a complete guide to the best Nevada homeowners insurance.

    The 5 Best Homeowners Insurance Companies in Nevada 

    1. State Farm
    2. Allstate
    3. Farmers
    4. American Family
    5. USAA

    Compare Nevada’s Best Insurance Companies


    Average PriceAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction*
    State Farm$892A++831/1,000
    AllstateN/AA+814/1,000
    Farmers$458A808/1,000
    American Family$661A808/1,000
    USAA$842A++878/1,000

    *Based on a 1,000-point scale

    State Farm

    State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.

    State Farm

    Best for Fast Claim Payments

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
    • 3.75 Reviews Score
    • A++ 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

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

    Pros

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    Cons

    • Limited discounts
    • Higher premiums
    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 app.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on State Farm:

    Allstate

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

    Allstate

    Best for New Homebuyers

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.
    • 4 Reviews Score
    • A+ 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.
    • 814* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.

    Pros

    • Diverse discount opportunities
    • Informative website and digital tools
    • Above-average customer service

    Cons

    • NAIC complaint index high
    • Financial strength ratings good, but not great
    Read More

    Discounts available

    • Early signing discount
    • Home buyer discount
    • Hail-resistant roof 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.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on Allstate:

    Farmers

    Farmers offers an unusual quoting system that features three tiers of service. Within those three tiers, you can further customize your policy if you have, say, expensive electronics or jewelry to cover.

    Farmers

    Best Pricing 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.
    • 3.5 Reviews Score
    • A 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.
    • 808* 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 coverage
    • Bundling discounts
    • Identity theft coverage available

    Cons

    • Sparse website
    • Not as many discounts
    Read More

    Discounts available

    • Nonsmokers discount
    • Multiple policies discount
    • Professional group member discount

    Unique features

    Farmers’ three tiers — standard, enhanced, and premier — let you pick the best coverage based on cost and coverages. The highest level, premier, includes replacement cost coverage with 100% reimbursement regardless of policy limits.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    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 easy to decide what type of coverage you need and how much coverage you need, as well as a dictionary of common terminology and FAQs.

    American Family

    Best Online Tools and Resources

    Why we chose it

    American Family makes it easy for homeowners to purchase the right coverage for their needs. We recommend using the home insurance checklist, home insurance calculator, and the home inventory worksheet to get started.
    • N/A Reviews Score
    • A 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.
    • 808* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    American Family makes it easy for homeowners to purchase the right coverage for their needs. We recommend using the home insurance checklist, home insurance calculator, and the home inventory worksheet to get started.

    Pros

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

    Cons

    • Limited availability
    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

    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. 

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    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 to purchase a policy — but if you are, the company should be your first stop.

    USAA

    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 fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.
    • 4 Reviews Score
    • A++ 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.
    • 878* 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 fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.

    Pros

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

    Cons

    • Only available to current and former military members and their families
    • Limited discounts
    Read More

    Discounts available

    • Save 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.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on USAA:

    Average Cost of Homeowners Insurance in Nevada

    Homeowners insurance in Nevada is very inexpensive compared to the national average. According to the Insurance Information Institute (III), the average home insurance premium in Nevada is $755 per year. For comparison, the United States national average premium is $1,211. As of 2017, Nevada was the third cheapest state for home insurance. 

    Home Insurance Add-Ons That Will Further Protect You

    Homeowners in Nevada should 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 any earthquake-related damage to your home or personal property. Flood insurance is also beneficial for all homeowners to have. 

    The Cheapest Homeowner Insurance Companies in Nevada

    Largest Companies by Market Share in NevadaAverage Annual Premium
    Farmers Insurance$458
    Universal North America Insurance Co.$568
    Nevada Capital Insurance Co.$639
    American Family Insurance$661
    USAA$842
    Country Financial$862
    State Farm$892
    Liberty Mutual$1,231

    Cost of Homeowners Insurance by Age of Home

    Age of Home (years)Sample Annual Premium
    0-10$777
    10-25$1,068
    25-50$1,095
    50+$1,088
    Average across ages$1,007

    Top 3 Cheapest Homeowners Insurance Companies in Nevada 

    • Farmers Insurance – $458
    • Universal North American Insurance Co. – $568a
    • Nevada Capital Insurance Co. – $639

    Top 3 Most Expensive Homeowners Insurance Companies in Nevada

    • Liberty Mutual – $1,231
    • State Farm – $892
    • Country Financial – $862

    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 affect the price. The website also contains helpful information about reading your policy, how to file a claim, and much more.

    Homeowners Insurance FAQ 

    Is homeowners insurance required in Nevada?

    No. State law does not require you to buy homeowners insurance. But, if your house has a mortgage, the lender will require you to carry home insurance. 

    What is the cheapest homeowners insurance in Nevada?

    Based on our research, Nevada insurers offering the cheapest home insurance premiums include Farmers Insurance, Universal North America Insurance Company, Nevada Capital Insurance Company. You can also check our list of the best cheap insurance companies in the U.S.

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best companies. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings– Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using JD Power Homeowners Satisfaction ratings.
    • Coverage– As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options available and add-ons available. 
    • Confidence– It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best.
    • 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.

    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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