Nevada Homeowners Insurance Coverage

Whether you live in a ranch house surrounded by sage outside Carson City or a new three-bedroom in Las Vegas, with a Farmers Smart Plan Home® policy you can choose quality coverage for your Nevada lifestyle today, with new ways to help you save.

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Is homeowners insurance required in Nevada?

No, homeowners insurance is not required by law in Nevada. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.

What does homeowners insurance cover in Nevada?

Every policy is different, but home insurance policies in Nevada typically come with several standard coverages.

  • Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.

  • Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed.

  • Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.

  • Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.

  • Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.

Home insurance coverage options in Nevada

Farmers® gives you multiple options for covering your home and personal property. You can choose the policy that suits your lifestyle and dwelling type:

  • Standard — Reduced coverage for a reduced price
  • Enhanced — Provides higher coverage limits and extra features 
  • Premier — Comes with the highest coverage limits and greatest choice of features

Learn more about Smart Plan Home coverage

Typical home insurance policies in Nevada offer coverage for damage caused by:

  • Fire
  • Windstorms and hail 
  • Lightning strikes 
  • Vandalism and theft 
  • Explosion 
  • Falling objects 
  • The weight of snow or ice

Nevada is the driest state, but flooding is still a risk — and home insurance doesn’t usually cover flooding. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.

How much does homeowners insurance generally cost in Nevada?

The average premium for home insurance coverage in Nevada is $824 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). That’s less than the national average of $1,311 a year, according to same report. However, insurance costs in most states have changed since then. Also, the amount you pay may be different, depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.

Nevada home insurance discounts

Farmers offers a variety of savings opportunities for eligible home insurance customers in Nevada, including:

  • Multi-policy
  • Protective devices
  • Non-smoker

See more information and additional discounts that may be available in Nevada.

Mountain Bluebird

Nevada’s state bird may have beautiful blue feathers, but males of the species aren’t much help when it comes to building nests. If they bother to pick up any nest-building material, they drop it on the way back to the nest. — State Symbols USA

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Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.

Why Did My Homeowners Insurance Go Up?

When outside forces impact either (or both) of those factors, it can explain why rates may be increasing. But there are steps you can take to help keep your costs down. 

A Home Fire Story: “the Cat Was Swaddled in a Firefighter's Jacket Getting Oxygen”

After smoke, fire and water damage destroyed her family's home, this woman started thinking beyond the basics of fire prevention.

How Do I Calculate the Replacement Cost of Belongings in My Home?

Your personal property includes everything inside the home that is not permanently installed. Clothing, furniture, electronics and miscellaneous household items are considered personal property. Appliances and fixtures attached to utilities are not.

1 Based on average premium for HO-3 type open perils homeowners policies.