The 3 Best Nevada Homeowners Insurance Companies

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Tourists in Nevada can enjoy the state’s legal gambling and luxury resorts, but residents of the Silver State can also appreciate paying lower-than-average homeowners insurance premiums. The average annual premium rate in Nevada is about , more than $100 below the national average.

Although Nevada’s arid climate puts the state at a lower risk for most natural disasters, it is nonetheless important to invest in a homeowners insurance policy that covers other potential hazards. Your home is your most valuable asset, and the provider you insure it with can make all the difference if disaster strikes.

Take a look at the companies we’ve chosen as our top picks for Nevada homeowners insurance and use the quote tool below to instantly get an accurate policy estimate for comparison.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

State Farm

owns the largest share of the Nevada homeowners insurance market by offering broad policy options and an exceptional claims service network. With State Farm, just about any type of dwelling — including single-family homes, condos, manufactured homes, and farms and ranches — is covered from damage caused by the elements or theft. Add-on coverage options from State Farm include personal insurance, home business insurance, and identity restoration services.

Should you experience a loss and need to file a claim, State Farm has one of the most extensive claims networks in the world. The Premier Service Program connects you with local contractors to take care of any immediate repairs necessary to restore your home. Their online resource center and Pocket Agent mobile app equip you with tools that ease the claims reporting process. The State Farm HomeIndex Inventory tool, for example, allows you to keep an up-to-date catalog of your covered belongings so you can act quickly and efficiently after a loss.

Fire Insurance Exchange

, one of the insurers that comprise the Farmers Insurance Group, is the second-largest shareholder of the Nevada homeowners insurance market. Fire Insurance Exchange is a great option for affordable coverage — in addition to their already cheap standard policies, the company offers a host of premium discounts to help you save further. Standard deductions include those for multipolicy bundling, insuring a new or recently renovated home, and installing safety devices like fire alarms.

You can also receive discounts if you’re a non-smoker, if you’ve replaced your roof in the last six years, if you’ve had a recent home inspection, or if you’ve made any “green” renovations to increase your energy efficiency. Taking advantage of these discounts can save you up to a third off your total premium price.

Besides being affordable, Fire Insurance Exchange also offers reliable service and superior claims management tools. The company is backed by an A rating for financial strength from A.M. Best, and uses Farmers’ quality online and mobile resources. Customers insuring through the Fire Insurance Exchange file claims through the Farmers portal, and can do so either in person with a local agent, over the phone, online, or using the Farmers iClaim app.


is one of the best options for homeowners insurance in Nevada because of their customizable coverage options, multiple discounts, and state-of-the-art online resource center.

Allstate extends coverage for every type of standard dwelling, and even offers policies for older homes, a relatively rare feature among its competitors. A baseline policy from Allstate can be adjusted to fit your specific needs, with coverage options available to protect things like jewelry, sports equipment, musical instruments, and electronic data. You can pick and choose what you need without paying for what you don’t.

To help you save on your policy, Allstate offers discounts for bundling policies, installing protective devices, insuring a new or recently renovated home, and opting for auto-pay. Additional savings options are also available to retirees and new Allstate customers.

The Allstate online resource center offers tons of videos, articles, and useful checklists to answer any question you may have about being a homeowner. Their exclusive tools assist in helping you better manage your policy. Their Premium Gauge tool, for example, allows you to see how different variables affect your annual premium price. The Allstate digital locker helps you keep a synched wireless catalog of your covered possessions along with their worth and condition, so you can react quickly and efficiently if you experience a loss.

The 3 Best Nevada Homeowners Insurance Companies

  • State Farm
  • Fire Insurance Exchange
  • Allstate

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

For more information on homeowners insurance, check out our complete guide to home insurance. We’ve also outlined our overall top picks for homeowners insurance, with detailed steps on how to best select the provider that’s right for you.