Finding cheap homeowners insurance in Henderson may require shopping around to find the best rate. Fortunately, Bankrate has put together a list of the best cheap homeowners insurance companies in Henderson as a potential starting point for your search. The average cost of homeowners insurance in the city is $865 a year for $250K in dwelling coverage. Based on Bankrate’s comparison of average rate data from Quadrant Information Services, the three cheapest home insurance providers in Henderson include Travelers, Auto-Owners and USAA.

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Quick Facts
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Two Thirds
2 out of 3 homes
are underinsured
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1 out of every 20
insured homes makes a claim each year
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Best cheap home insurance companies Henderson

The following five carriers were selected because they provide cheap average home insurance rates while still performing well on other key metrics including customer service, financial strength, coverage availability and mobile accessibility.

To help compare providers, we assigned each carrier a Bankrate Score out of 5 points. This Score was created using rate data from Quadrant Information Services and customer satisfaction scores from the 2022 J.D. Power Home Insurance Study. We also looked at coverage options, discounts and availability. Based on our findings, the best cheap homeowners insurance providers in Henderson include Travelers, Auto-Owners and USAA.

Home insurance company Bankrate Score Average annual premium for $250K dwelling coverage J.D. Power score
Travelers 3.7 $474 794/1,000
Auto-Owners 4.3 $631 825/1,000
USAA* 4.8 $659 884/1,000
Allstate 3.9 $805 815/1,000
State Farm 4.7 $905 829/1,000

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


Travelers may be a good carrier for homeowners looking for low average premiums and options to customize their policy. Optional policy add-ons include identity fraud coverage, water and sump pump backup coverage, green home coverage and more. In addition to low average premiums in Henderson, Travelers policyholders may be able to save even more with potential discounts for new homeowners and for having a LEED-certified green home. Potential customers should note that Travelers earned a below-average score from J.D. Power for customer satisfaction.

Learn more: Travelers Insurance review


Auto-Owners offers one of the lower average premiums on our list and scored just above average in J.D. Power’s 2022 customer satisfaction survey. The carrier offers several optional endorsements including identity theft coverage, cyber protection, sewer back-up coverage and equipment breakdown coverage. Auto-Owners also offers unique discounts such as the mortgage-free discount which may make this a great option for homeowners without a home loan. Unfortunately, consumers who prefer a completely digital experience may be disappointed with Auto-Owners’ website and mobile app.

Learn more: Auto-Owners Insurance review


Policyholders may be particularly impressed with USAA’s low average homeowners insurance rates given that standard homeowners policies include replacement cost coverage, which is typically an add-on with other companies. Additionally, all standard homeowners policies come with identity theft coverage. On the other hand, USAA may not offer as many discounts as other providers on this list. The company only offers coverage to eligible members of the military and their immediate family members, but if you qualify, USAA may provide the coverages you need at an affordable price. This includes benefits tailored to the needs of the military community such as deductible-free uniform coverage for active-duty members.

Learn more: USAA Insurance review


With over a dozen agents based in Henderson, Allstate may be a good option for homeowners looking to work with a local agent. The company also has some unique coverage options such as HostAdvantage, which covers your belongings if you occasionally rent out your home through a vacation rental company. Additional endorsements include coverage for yard and garden, musical instruments, sports equipment and electronic data recovery. Allstate policyholders may also save up to 25 percent when they bundle their home and auto policies. However, potential customers should note that Allstate did earn a below-average score from J.D. Power for customer satisfaction.

Learn more: Allstate Insurance review

State Farm

Although State Farm is the country’s largest insurance company, the insurer scored above average in the 2022 J.D. Power customer satisfaction survey. State Farm does have the highest average premium on our list, but you may be able to save with discounts for bundling home and auto, installing protective devices and using impact-resistant roofing materials. For homeowners concerned about inflation, State Farm offers an inflation guard rider which increases your policy coverage to keep up with inflation.

Learn more: State Farm Insurance review

Home insurance coverage options in Henderson

Homeowners insurance is not a legal requirement, but your lender will likely require it as a condition of your mortgage loan. Most insurance professionals advise that carrying a home insurance policy is typically more affordable than rebuilding your home out-of-pocket after a disaster.

While a home insurance policy may cover many common scenarios like fire and theft, there are items that are excluded. In these cases, you may want to purchase additional policy endorsements to help protect your financial investment. Optional coverages you may want to consider for your Henderson home include:

  • Equipment breakdown coverage: Some carriers offer an add-on that may pay for repairs or replacement of home systems. Considering Henderson temperatures can rise considerably in the summer, knowing you have insurance if your home’s HVAC stops working or the pool’s pump fails may save you thousands of dollars in repairs or new equipment.
  • Earthquake coverage: Nevada is prone to earthquakes because of its location on several fault lines. Although most earthquakes are small, geologists suggest there is a chance that an earthquake with a 6.5 or greater magnitude could occur in the next 50 years. It may be a good idea to purchase earthquake coverage, which is typically excluded from standard homeowners policies.
  • Green materials coverage: Adding green materials coverage could allow you to rebuild your home with more eco-friendly materials after a covered peril.

Home insurance discounts in Henderson

Before choosing an insurance carrier for your Henderson home, you might consider looking into discounts you may qualify for that could help lower your premium. Although every company may offer different discounts, here are a few common ones you may see:

  • Bundling discounts: Buying home and auto insurance policies from the same company could earn you a substantial discount. This practice is commonly referred to as “bundling” your policies.
  • Protective devices discounts: Smoke and carbon monoxide detectors could provide you with early warning of a fire. In addition, a security system or deadbolts may keep intruders out. Insurance companies typically give you discounts for safety-related equipment that may reduce your likelihood of filing a claim.
  • New home or new buyer discounts: Some insurance companies may offer new home or new buyer discounts to consumers. Insurers know that most new or newly-purchased homes have likely recently been inspected and may be at lower risk of a covered peril than an older home.

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