Life in the Silver State is what you make it. Whether you’ve chosen to live a life of glitz and glamor in Vegas, or you prefer a quieter life in places like Battle Mountain, if you own your home, you’ll need homeowners insurance in Nevada.

To make sure you have the coverage you need — and that you aren’t paying for any coverage you don’t — you’ll need to do some research. Or, you could just turn to the experts. For all the information you need on getting coverage worthy of a brand-new mansion at an affordable price, check out Hippo. We just expanded our modern policies to cover Nevada homeowners and all their different types of homes.

How much is homeowners insurance in Nevada?

Illustration of three houses with green doors and smoke coming out of the chimney of one

Homeowners insurance in Nevada costs an average of $849 per year, the same amount you and a friend would pay for a three-night stay in Las Vegas. While you may worry about wasting money on the slots, you should know that Nevada is one of the cheapest states for home insurance, so you have a little money to burn.

Homeowners insurance in Nevada costs an average of $849 per year, the same amount you and a friend would pay for a three-night stay in Las Vegas.

What factors influence my home insurance rate?

Nevada home insurance is cheaper than the national average of $1,200 due to the lack of severe weather in the area. Though the state has had a few major weather events, it doesn’t have the threat of tornadoes and hurricanes that many other states are prone to. However, your actual premium will depend on what company you get a policy with and your home’s age, condition and size.

Nevada Home Insurance Premiums

What does homeowners insurance in Nevada cover?

Since it's the driest state in the nation, Nevada homeowners don’t need to worry much about their home flooding from a rainstorm (the state only gets around 10 inches of rain a year, after all). However, the state has a high risk of severe weather conditions like wildfires and high winds, so home insurance is still a must.

A typical home insurance policy will cover your home, belongings and liability from a variety of perils such as fire, theft and severe storms. If you’d like to take your home protection to the next level, you can add on insurance riders to give yourself more coverage. Riders like extended replacement cost and additional insured endorsement are great options that’ll give you much-needed peace of mind.

Nevada Insurance Coverage Options

Traditional coverage


Supplemental coverage


How to lower your home insurance premium

While Nevada doesn’t have a statewide lottery, there are still plenty of ways to win big in the Silver State. If you’re looking to lower your home insurance premium, you should chat with your insurance provider to see what you can do to reduce your home’s risk.

Actions such as updating your roof, installing smart home devices and raising your deductible will all help you save money on your yearly premium. Your insurance provider should be able to tell you what will get you the most bang for your buck.

You should also consider changing insurance providers every few years, as some newer companies can save you a lot over time. Even if you don’t end up switching, it’s always a good idea to know what the going rate is for protection in your area.

Nevada home insurance resources

From Area 51 to the bright lights of Las Vegas, there are plenty of places to feel out of this world in Nevada. Though if you’re more interested in getting educated about things earthside, all you need to do is “phone home.” Though Nevada doesn’t have a FAIR Plan like many other states, the Nevada Division of Insurance is there to answer your questions and help you get the coverage you need.

National Flood Insurance Program

While Nevada doesn’t get much rain, the sheer amount of concrete in places like Las Vegas makes flash flooding a risk during severe storms. To ensure your home has protection from floodwaters, consider purchasing a flood insurance policy from the NFIP. This federally run program was created to give homeowners financial assistance in the event of damage from a flood and can be purchased through your traditional market provider.

What happens in Vegas stays in Vegas, but what happens to your Nevada home tends to stick around. But now, Hippo is here to help you deal with whatever issues come your way so that you can win big on your home insurance coverage without any of the risk.

You Deserve Smarter Home Insurance

Quote in 60 Seconds