The average price of home insurance in Las Vegas is $908 per year, or $76 per month — much less than the national average of $1,428. Even though homeowners insurance in Las Vegas is cheaper than in several other parts of the country, it’s probably not a bill you look forward to paying. Fortunately, you might be able to spend less on insurance by getting quotes from some of the cheapest providers. Data from Quadrant Information Services indicate that Travelers, Auto-Owners, American Family, USAA and Allstate offer some of the lowest average home insurance rates in Sin City.


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Quick Facts
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage

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Best cheap home insurance companies in Las Vegas

To simplify the process of shopping for insurance, Bankrate’s insurance editorial team analyzed the top homeowners insurance providers in Nevada. Our research suggests Travelers, Auto-Owners and American Family are some of the best cheap home insurance companies in Las Vegas.

Per data from Quadrant Information Services, all of the cheapest home insurance companies on our list have average premiums below the Las Vegas average of $908 per year for $250,000 in dwelling coverage. They also rank well in the 2022 J.D. Power Home Insurance Study, which rated carriers based on customer satisfaction.

Further, Bankrate evaluates each provider’s affordability, digital tools, availability, customer service and financial strength and awards them a Bankrate Score on a scale of 0.0 to 5.0. The higher the score, the better the insurer performed.

Home insurance company Bankrate Score Average annual premium for $250K dwelling coverage J.D. Power score
Travelers 4.2 $503 794/1,000
Auto-Owners 5.0 $634 825/1,000
American Family 4.2 $672 842/1,000
USAA* 4.6 $709 884/1,000
Allstate 4.2 $867 815/1,000

*USAA does not qualify for official ranking with J.D. Power due to eligibility restrictions


If you are in search of a robust policy for your Vegas property, Travelers may be an option to consider. You can expand on a standard HO-3 policy by adding a number of extras, such as green home coverage, water backup coverage, sump pump discharge and overflow coverage, additional replacement cost protection coverage and coverage for special items like high-value jewelry and collectibles. However, Travelers did not score as highly with J.D. Power as some of the other companies on this list.

Learn more: Travelers insurance review


Similarly, Auto-Owners has a variety of optional home insurance coverage types that may help LV homeowners maximize their financial protection. For instance, residents can choose add-ons like special purpose property coverage, equipment breakdown coverage and water backup coverage. But one potential downside of Auto-Owners is that you can’t get a quote online — you’ll need to work with an independent agent.

Learn more: Auto-Owners insurance review

American Family

American Family offers add-ons Las Vegas residents may like as well, such as equipment breakdown coverage. Equipment breakdown helps pay to repair or replace your home’s systems and appliances, including swimming pools and HVAC systems. The option for matching siding coverage may be especially ideal for Craftsman-inspired homes. With it, AmFam will help reimburse the replacement of undamaged siding up to $20,000 following a covered loss that requires the replacement of damaged siding. However, some users say American Family’s digital tools fall short compared to other providers.

Learn more: American Family insurance review


USAA is the fourth-cheapest homeowners insurance company on our list. It also scored highly in the J.D. Power Home Insurance Study, although it is ineligible for official ranking due to membership requirements. That said, USAA home insurance availability is limited to veterans, active-duty military and their families. Those who qualify can take advantage of higher value replacement cost coverage, which may allow homeowners to replace items with new versions instead of being reimbursed based on the item’s age and condition.

Learn more: USAA insurance review


Allstate may appeal to homeowners looking for specialized coverage. If you work from home, Allstate’s business property insurance may cover your work equipment and any inventory you keep there. Sports equipment coverage is available for those with expensive gear like golf clubs, and yard and garden coverage is offered for those who have higher-end landscaping. However, Allstate’s overall customer satisfaction score is a few points below the industry average, per J.D. Power.

Learn more: Allstate insurance review

Home insurance coverage options in Las Vegas

Nevada does not require residents to purchase homeowners insurance, but if you have a mortgage, your lender might. Regardless, insurance experts agree that a policy is often worthwhile. If something goes wrong — like a fire, a burglary or an injury on your property — home insurance can help protect you financially. Besides a standard homeowners policy, you may want to consider the following add-ons:

  • Jewelry rider: Standard home insurance comes with limits to how much you can be reimbursed for certain items. If you own diamond jewelry or a collector’s watch like a Rolex, a jewelry rider helps insure your higher-value items.
  • Green rebuild: If your insurance company offers this option, green rebuild coverage could pay for repairing your home with greener materials following a covered loss, such as a tankless water heater or a more energy-efficient air conditioning system.
  • Equipment breakdown coverage: The blazing sun and high temps in Las Vegas tend to wear out home systems faster. Having equipment breakdown coverage could come in handy if your pool pump fails or you need to repair or replace your refrigerator.

Home insurance discounts in Las Vegas

Nearly all home insurance companies offer a variety of discounts. Some of the most common include:

  • Bundling: Buying auto insurance and homeowners coverage with the same company could earn you a discount.
  • New construction: New-build and master-planned communities are popular in Las Vegas. If you purchase a newly constructed home, you may qualify for a discount.
  • Claims-free: Consider asking your carrier if you qualify for a discount for having no recent claims. You could be rewarded with policy savings or even a reduction in your deductible.
  • Safety: Today’s home security systems are easy to purchase and install yourself and could help lower your home insurance premium. Having safety equipment like smoke and carbon monoxide detectors may also earn you a discount.

In many cases, bundling your policies with the same carrier leads to the most significant savings. For example, Allstate offers up to a 25 percent discount for bundling auto and home insurance policies. Avoiding claims may also result in substantial savings. USAA, for instance, extends up to a 15 percent discount to policyholders who do not file a claim within a five-year period.

Frequently asked questions

    • The best home insurance company for you will depend on your circumstances. Many homeowners consider price and add-on availability to be the most important factors. Other considerations may include ease of access to online tools or favorable customer reviews. To find the home insurance option that best fits your needs and budget, compare rates and terms across as many insurance providers as possible. Request quotes for similar coverage to ensure you’re making fair comparisons.
    • The average cost of home insurance in Las Vegas is $908 per year for a policy with $250,000 in dwelling coverage. This is lower than the average cost of home insurance in Nevada ($889) and across the U.S. ($1,428).
    • When determining how much home insurance you need, there are a few main factors to consider. To set personal property coverage, experts recommend taking inventory of the value of your furniture, clothes, electronics and other belongings. For dwelling coverage, it helps to research building costs in your area and consult with your carrier or agent to set the best limit. Liability insurance pays for injuries and legal expenses for individuals hurt on your property. If you have a swimming pool or entertain regularly, you may want to consider increasing your liability limits.
    • You may get a cheaper home insurance rate from an insurance provider by asking them to double-check whether you qualify for specific discounts. Another way to potentially lower your home insurance premium is to review your policy and remove unnecessary coverage. And if you can’t get the coverage you need from one insurance company, you might want to shop around, comparing quotes from as many providers as possible.
    • Bankrate utilizes Quadrant Information Services to analyze 2023 current rates for 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.

    • Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

      Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

      • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
      • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
      • Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.