Best cheap homeowners insurance in North Las Vegas

North Las Vegas, NV has a median property worth of $208,100 and an average annual rate for homeowners Insurance of $876 for $250K dwelling coverage. Although North Las Vegas is not prone to natural disasters, it does have a high chance of earthquakes. Although homeowners insurance is not required unless you own a mortgage, it can protect your home and belongings in the event of damage from a covered peril.

Bankrate reviewed prices, coverage options, and discounts available from top insurance companies by market share to find the lowest rates on homeowners insurance in North Las Vegas.

North Las Vegas’s best home insurance company

We also compared pricing, coverages, and discounts. We also looked at customer service ratings from J.D. Power Home Insurance Study. These are our top picks for affordable home insurance companies in North Las Vegas. They offer homeowners insurance coverage and have excellent customer service.


Travelers provides standard home insurance coverage, with the option of adding additional coverages as required. Homeowners can add additional coverage to their Travelers policy, including protection for jewelry and valuables and identity fraud protection. North Las Vegas homeowners should consider Travelers because they offer the best home insurance rates.

American Family

Although American Family doesn’t offer earthquake coverage in its standard home insurance policy for North Las Vegas residents, it is available. Additional coverages include equipment breakdown, water backup and matching siding protection. Credit theft protection is also available. American Family offers homeowners insurance at a discounted rate of 20% if you bundle your auto and home.


While it’s not possible for everyone, military personnel, spouses, and children of past and current service members can benefit from USAA’s affordable home-insurance rates in North Las Vegas. USAA offers homeowners insurance that can include earthquake insurance and home sharing coverage. USAA covers personal property at today’s replacement value, not depreciated actual money value. This is at no additional cost. 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.


Allstate provides North Las Vegas homeowners with additional coverages to personalize their home insurance policy. Allstate does not offer earthquake insurance. However, homeowners have the option to add coverages such as business property, sports equipment and water backup. According to the J.D. Allstate was sixth in the J.D. Power Home Insurance Study for customer satisfaction. State Farm was fifth.

State Farm

State Farm is the largest insurance company for homeowners. Although a standard policy doesn’t cover earthquake coverage, states such as Nevada allow you to add-on coverage. State Farm may be the best choice if you want a personal touch and a local agent.

Options for home insurance in North Las Vegas

Residents of North Las Vegas might want to look into additional coverage options, in addition to the standard homeowner’s policies.

  • Replacement cost: Some companies include replacement cost as standard in their dwelling coverage. Others consider it an added cost. You can add replacement cost to your dwelling or personal property coverages. This replaces your home and belongings at current prices and not depreciated.
  • Earthquake coverage: If your home is located in North Las Vegas you might want to search for insurance companies that offer earthquake coverage as an additional coverage or separate policy. You can rebuild your house and replace your belongings in the event of an earthquake.
  • Insurance companies often offer identity theft coverage as an option for North Las Vegas residents who are concerned about being victims of identity theft.

North Las Vegas Home Insurance Discounts

Discounts are a great way of saving on homeowners insurance premiums. Owning a house can be costly. Discounts can be used to offset the cost for homeowners insurance without having to sacrifice any coverages that you need to protect your property and possessions. These are some discounts North Las Vegas homeowners may be eligible for:

  • Smart home discount: With many carriers, smart home technology such as video doorbells, smoke detectors and thermostats could help you get a discounted on your home insurance.
  • Multi-policy Discount: Bundling home and auto insurance with the same company can save you money, but it can also simplify your monthly bills.
  • Discounts for advanced purchases: Home insurance is a good idea. You may be eligible to receive a discount if you request a quote less than one week before the effective date.

Multi-policy discounts are often the biggest percentage discount on homeowners insurance policies. You may be eligible for a discount if you purchase a home or upgrade your plumbing, heating, and electrical systems. Most discounts can be stacked, so you can get as many discounts as you want to maximize your savings.

Questions frequently asked

Which is the best company for home insurance?

While the best home insurer may be different for each person, the one that is right for you will provide the coverage you require at a cost you can afford. When looking for home insurance, it’s a smart idea to compare rates from different providers to get the best deal.

What is the cost of North Las Vegas home insurance?

Our sample rates show that homeowners insurance costs in North Las Vegas average $876 per year for $250K coverage. Rates can vary depending on many factors including your needs, age, condition, location, and claims history.

What amount of North Las Vegas home insurance do you need?

Partly, the cost of rebuilding your North Las Vegas home at today’s prices will determine how much home insurance you will need. You may also need to consider other factors such as your ability to afford your premium or deductible. Talk to a licensed agent if you are unsure how much homeowners insurance coverage you will need.