Skip to Main Content

Best cheap homeowners insurance in North Las Vegas

Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by (NPN: 8781838). For more information, please see our

In North Las Vegas, NV, the median property value is $208,100, and the average annual rate for homeowners insurance is $876 for $250K in dwelling coverage. Though the city of North Las Vegas does not have natural disasters often, the area does have a high risk of earthquakes. While purchasing homeowners insurance may not be required unless you have a mortgage, it can help protect your home and belongings if damaged by a covered peril.

To find the best cheap rates for homeowners insurance in North Las Vegas, NV, Bankrate analyzed prices, coverage options and available discounts from the top insurance carriers by market share.

Best cheap home insurance companies in North Las Vegas

In addition to comparing pricing, coverages and discounts, we also reviewed customer service ratings from the J.D. Power Home Insurance Study. Our picks for the best cheap home insurance companies below offer homeowners insurance coverage in North Las Vegas, have affordable rates, excellent customer service rankings and customizable coverage options to meet homeowners needs.

Home insurance company Average annual premium for $250k dwelling coverage J.D. Power Home Insurance Study score
Travelers $473 803/1,000
American Family $598 821/1,000
USAA $675 889/1,000
Allstate $845 829/1,000
State Farm $1,003 829/1,000

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


Travelers offers standard home insurance coverage with the option to add additional coverages as needed. Increased protection for jewelry and valuables, identity fraud protection, green home coverage and water backup are a few of the optional coverages homeowners can add to their Travelers policy. With the most affordable home insurance rates on our list, Travelers is a great choice for North Las Vegas homeowners to consider.

Learn more: Travelers Insurance Review

American Family

Though American Family does not offer earthquake coverage as part of its standard home insurance policy, it can be added for North Las Vegas homeowners. Optional coverages also include equipment breakdown, water backup, matching siding protection and credit theft protection. At American Family, you can bundle your home and auto to save 20% on its already cheap rates for homeowners insurance.

Learn more: American Family Insurance Review


Although it is not available to everyone, past and present military service members, their spouses and children can take advantage of USAA’s affordable home insurance rates in North Las Vegas. Homeowners insurance with USAA can be customized to include home sharing coverage and earthquake insurance. With USAA, personal belongings are covered at today’s replacement cost rather than depreciated actual cash value at no additional cost. In the J.D. Power Home Insurance Study, USAA ranked highest for customer satisfaction above other nationally-recognized insurance carriers even though it is not officially ranked due to eligibility restrictions.

Learn more: USAA Insurance Review


Allstate offers add-on coverages for North Las Vegas homeowners to customize their home insurance policy. Although Allstate no longer offers earthquake insurance, homeowners can choose from other additional coverages like business property, sports equipment, water backup, yard and garden and musical instruments. In the J.D. Power Home Insurance Study, Allstate tied with State Farm in sixth place for overall customer satisfaction.

Learn more: Allstate Insurance Review

State Farm

As the largest home insurance company by market share in the nation, State Farm offers standard home insurance coverage plus extra coverage options to optimize your homeowners insurance package. Though a standard policy does not cover earthquake insurance, some states like Nevada offer the option to purchase add-on coverage or a separate policy. If you prefer a personalized touch and a local agent, State Farm might be a great choice.

Learn more: State Farm Insurance Review

Home insurance coverage options in North Las Vegas

In addition to standard homeowner’s insurance policies, residents of North Las Vegas may want to consider some additional coverage options when shopping for home insurance:

  • Replacement cost: Some companies offer replacement cost standard on dwelling coverage, while others consider it an add-on coverage for an additional cost. Replacement cost can be added to dwelling and personal property coverages, which replaces your belongings and home at today’s prices, rather than depreciated value.
  • Earthquake coverage: If you own a home in North Las Vegas, you may want to look for insurance companies that offer earthquake insurance as an add-on coverage or a separate policy. With earthquake coverage, you can rebuild your home and replace belongings if your home is damaged in an earthquake.
  • Identity theft coverage: Most insurance companies offer identity theft as an add-on coverage for North Las Vegas homeowners concerned about their risk of being a victim of identity theft.

Home insurance discounts in North Las Vegas

Owning a home can be expensive, but a great way to save on your homeowners insurance premiums is to take advantage of discounts. Applying discounts can offset the cost of homeowners insurance without sacrificing any coverages you need to protect your home and belongings. Here are a few discounts North Las Vegas homeowners might be able to take advantage of:

  • Smart home discount: Having smart home technology like video doorbells, smoke detectors, thermostats and water and gas shutoff sensors could earn you a discount on your home insurance with many carriers.
  • Multi-policy discount: Bundling your home and car insurance with the same insurance company can not only save you money but can also streamline your monthly bills.
  • Advance purchase discount: With home insurance, it can pay to shop early for coverage. If you get a quote more than a week before your effective date, you may be eligible for a discount.

The multi-policy discount is often the largest percentage discount offered on homeowners insurance policies. Depending on the carrier, you may also get a discount for purchasing a new home, upgrading your roof, electrical, plumbing and heating, paying in full, being claims-free and having automatic sprinklers installed. Most discounts are stackable, which means you can add as many as you are eligible for to maximize your savings.

Frequently asked questions

What is the best home insurance company?

The best home insurance company is different for everyone, but the best one for you will offer the coverage you need at a price you can afford. It’s a good idea to shop around and compare quotes for the same coverage from multiple providers when looking for a new home insurance policy to find the one you really want.

How much does home insurance in North Las Vegas cost?

Based on our sample rates, the average annual cost of homeowners insurance in North Las Vegas is $876 for $250K dwelling coverage. Your rate can vary based on several factors, including the coverage you need, the age and condition of the home, where you are located and your claims history.

How much home insurance do I need in North Las Vegas?

The amount of home insurance you need to cover your North Las Vegas home partly depends on the construction costs to rebuild it at today’s pricing. Other factors, such as how much you can afford to pay for your premium and deductible, may also come into play. If you do not know how much homeowners insurance you need, speak with a licensed agent to determine the right amount of coverage for your budget and needs.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

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

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor