5 Best Las Vegas Homeowners Insurance Companies (2025)
Travelers, American Family, and Foremost offer some of the best homeowners insurance policies in Las Vegas.
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Homeowners in Las Vegas pay an average of $1,392 per year for a home insurance policy with a $1,000 deductible and $300,000 in dwelling coverage, Insurify data shows.
While its rates for standard coverage are affordable, Las Vegas is also prone to earthquakes, so you may need to pay extra for add-on or stand-alone earthquake insurance. Here’s what you need to know about comparing home insurance quotes and finding coverage in Sin City.
Quick Facts
Travelers, American Family, and Foremost offer the cheapest homeowners insurance policies, on average, in Las Vegas.
Homeowners insurance in Las Vegas with $400,000 in dwelling coverage costs an average of $1,836 per year.
The dry, hot climate in Las Vegas means that homes may be susceptible to fire.
Best home insurance companies in Las Vegas
Many top homeowners insurance companies offer coverage in Las Vegas, so you have plenty of options available. The best home insurance company for you depends on your unique situation and needs.
Cheap rates: Travelers
Best insurer for earthquake coverage: American Family
Best insurer for vacation homes: Foremost
Best insurer for discounts: State Farm
Best insurer for wildfire protection: USAA
Our editorial team analyzed regional and national home insurance companies that sell policies in Las Vegas to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Las Vegas?
The average cost of homeowners insurance in Las Vegas with $300,000 in dwelling coverage is $116 per month, or $1,392 per year. This is slightly higher than the statewide average of $1,260 per year for the same coverage levels.
But your insurance company will consider many factors when determining your insurance rates, including your ZIP code, home age and type, and home features.[?]
The amount of dwelling coverage, liability insurance, personal property coverage you want, and your chosen deductible will also affect the cost of your insurance.
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Cheapest home insurance companies in Las Vegas
Travelers offers the cheapest home insurance coverage, with Las Vegas homeowners paying around $64 per month for $300,000 in dwelling coverage.
The table below highlights some other top insurance companies offering affordable coverage. Rates shown are for policies with a $1,000 deductible and $300,000 in dwelling coverage.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Travelers | $540 |
| Capital Insurance Group | $636 |
| Allstate | $744 |
| American Family | $792 |
| Farmers | $852 |
| State Farm | $912 |
| Encompass | $924 |
| Allied | $936 |
| USAA | $960 |
| CSAA | $1,128 |
| COUNTRY Financial | $1,260 |
| Foremost | $2,220 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Capital Insurance Group | $1,200 |
| Travelers | $1,260 |
| USAA | $1,608 |
| American Family | $1,704 |
| State Farm | $1,800 |
| Allstate | $1,812 |
| Allied | $2,004 |
| Farmers | $2,100 |
| CSAA | $2,196 |
| COUNTRY Financial | $2,508 |
| Encompass | $2,652 |
| Foremost | $6,912 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Capital Insurance Group | $1,692 |
| Travelers | $1,776 |
| USAA | $2,088 |
| American Family | $2,196 |
| State Farm | $2,544 |
| Allstate | $2,880 |
| Allied | $2,964 |
| Farmers | $2,976 |
| CSAA | $3,120 |
| COUNTRY Financial | $3,660 |
| Encompass | $4,092 |
| Foremost | $11,700 |
How much homeowners insurance do you need in Las Vegas?
If you plan to take out a mortgage or have an existing one on your Las Vegas home, your mortgage lender will require you to have a home insurance policy. The amount of homeowners insurance you need will depend on how much dwelling and personal belongings coverage you need as well as other factors.
Whether you’re working with an independent insurance agent or comparing quotes on your own, it’s important to understand exactly what your home insurance policy covers.
Below are the four main components of a standard home insurance policy:
Dwelling coverage: This pays to repair or rebuild your home if a covered peril damages or destroys it. You’ll want to choose enough dwelling coverage to rebuild your home if it’s a total loss.
Personal property: If a covered peril damages your belongings, such as clothing, furniture, or electronics, home insurance will pay to replace them. Creating a home inventory can help you determine how much personal property coverage you need.
Additional living expenses: If your home becomes uninhabitable, this portion of your policy pays for your temporary living expenses beyond the norm, such as hotel stays.
Personal liability: If someone is injured on your property and sues you, personal liability pays for medical bills and any legal fees.
Most standard policies don’t cover earthquake or flood damage, and both of these things are relatively common in Las Vegas. Read the fine print to ensure you understand your insurance policy terms and have the type of coverage you need.
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What to know about home insurance in Las Vegas, NV
Las Vegas has a desert climate, which means it’s typically hot and dry. This could put your home at a higher risk of fire, but you should also be aware of other potential natural disasters and risks when you’re purchasing a homeowners policy.
Here are some things your Las Vegas home might be susceptible to:
Average cost of home insurance in other cities in Nevada
Homeowners insurance rates in Nevada also vary by city, with Las Vegas residents paying some of the highest rates in the state. Because Las Vegas is such a popular tourist destination, insurance companies may view the area as more prone to break-ins and theft, leading to higher homeowners insurance costs.
Insurance companies also consider area crime rates, severe weather or natural events, proximity to public safety services, home materials, and more when determining insurance costs.
Here’s how average premiums compare in other Nevada cities for policies with a $1,000 deductible and $300,000 in dwelling coverage.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
City | Average Annual Premium |
|---|---|
| Reno | $1,248 |
| Las Vegas | $1,392 |
Las Vegas homeowners insurance FAQs
The following information can help answer any remaining questions as you research your coverage options in Las Vegas.
Home insurance in Las Vegas averages $1,392 per year for a policy with a $1,000 deductible and $300,000 in dwelling coverage, according to Insurify data. But your home insurance rates will depend on many factors, including your ZIP code, age and square footage of your home, and the type of homeowners policy and coverage levels you choose.
Travelers has the cheapest homeowners insurance in Las Vegas, with an average monthly premium of $64 for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Other affordable insurers in the city include American Family and Universal Insurance Company.
No. Nevada doesn’t require homeowners insurance. But your lender will require you to carry coverage if you have a mortgage on your home. It’s important to have home insurance even if you don’t have a mortgage because it can help pay for costly repairs if a covered peril, such as a fire or earthquake, damages your home.
There’s no one “best” homeowners insurance company in Las Vegas. But Travelers, American Family, and State Farm are a few of the best home insurance companies in Las Vegas.
Fire insurance, which is another name for homeowners insurance, tends to be more expensive in Nevada than the national monthly average of $211 for $300,000 in dwelling coverage with a $1,000 deductible.
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