Best and Cheapest Homeowners Insurance in Nevada for 2025 (Top 10 Companies for Savings)

The best and cheapest homeowners insurance in Nevada comes from USAA, Progressive, and Travelers, with rates beginning at $29 monthly. Military families receive a 15% discount and $15,000 gear coverage with USAA.

Progressive's online tool helps people save $382 each year. Travelers provides $10,000 solar coverage and offers an 18% discount for green homes.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$29	A++	Military Focus	USAA
	#2	$35	A+	Innovative Programs	Progressive
	#3	$38	A++	Comprehensive Coverage	Travelers
	#4	$43	B	Strong Reputation	State Farm
	#5	$46	A++	Competitive Rates	Geico
	#6	$47	A	Flexible Discounts	Liberty Mutual
	#7	$49	A+	Usage-Based Options	Nationwide
	#8	$59	A	Family-Oriented Policies	American Family
	#9	$65	A	Customer Support	Farmers
	#10	$69	A+	Broad Coverage	Allstate

Nevada home insurance shoppers looking for ways to save on homeowners insurance might find help from this article. Compare the best homeowners insurance in Nevada as each company offers different benefits for various property types.

Get quotes from the cheapest home insurance companies in Nevada by entering your ZIP code into our free tool.

What You Should Know

• USAA leads for cheap home insurance in Nevada at $29 monthly
• Progressive provides additional 12% smart home discounts
• Travelers offering an 18% premium reduction

#1 – USAA: Top Overall Pick

Pros

• Military Member Savings: Active service members in Nevada receive 15% lower rates plus additional deployment discounts.
• Deployment Coverage: Nevada military families get enhanced protection with 10% premium reduction and overseas support.
• Equipment Protection: According to our USAA insurance review, Nevada service members can combine their $15,000 military gear coverage with comprehensive home protection, making it an excellent value for military families.

Cons

• Strict Eligibility: Nevada coverage restricted to military community, excluding civilian homeowners seeking affordable rates.
• Limited Office Access: Rural Nevada residents must rely on digital services with no local branch support.

#2 – Progressive: Best for Innovative Programs

Pros

• Rate Comparison Tool: Nevada homeowners save $382 annually using HomeQuote Explorer for competitive rates.
• Smart Home Rewards: Installing security systems in Nevada properties qualifies for 12% discount on premiums.
• Digital Savings: Our comprehensive Progressive insurance review demonstrates how Nevada homeowners can maximize savings through paperless billing and digital tools, leading to 8% reduction in premiums.

Cons

• Third-Party Services: Nevada policies managed through external partners may experience varying coverage terms.
• Extended Claims: Digital-first approach extends Nevada claims processing by 48 hours compared to competitors.

#3 – Travelers: Best for Comprehensive Coverage

Pros

• Green Home Discount: LEED-certified Nevada properties receive 18% premium reduction for sustainable features.
• Solar Coverage: Nevada residents with solar installations get $10,000 protection included in standard policies.
• Efficiency Rewards: Through analyzing our Travelers insurance review, we found Nevada's eco-friendly homeowners can stack multiple green discounts for optimal savings.

Cons

• Certification Requirements: Nevada homeowners need detailed green building paperwork to get the most savings.
• Base Rate Structure: Standard Nevada properties face higher starting premiums if they lack eco-friendly upgrades.

#4 – State Farm: Best for Strong Reputation

Pros

• Local Agency Network: 150 agents in Nevada offer personal help with home insurance across the state. Some of these agents live and work in Nevada.
• Bundle Savings: Nevada property owners enjoy 23% reduction when combining home and vehicle coverage.
• New Home Discounts: Our latest State Farm insurance review shows how Nevada residents can combine new home savings with multi-policy discounts for maximum affordability.

Cons

• Online Limitations: Digital platform lacks specialized options for unique Nevada property needs.
• Coverage Gaps: Standard policies need additional endorsements for Nevada's desert climate protection.

#5 – Geico: Best for Competitive Rates

Pros

• Rate Advantage: Nevada residents save about $46 with complete homeowners insurance coverage and this saving happens every single month.
• Online Discounts: Managing your policy online lowers Nevada home insurance costs by up to 12%.
• Multi-Policy Savings: Homeowners in Nevada who combine policies enjoy a discount of up to 25% on their premiums. For renters insurance read our Geico renters insurance review.

Cons

• Limited Local Offices: Few physical locations across Nevada restrict in-person claims assistance.
• Basic Coverage: Standard Nevada policies may require supplements for complete desert property protection.

#6 – Liberty Mutual: Best for Flexible Discounts

Pros

• Customizable Savings: Nevada homeowners access 15 distinct discount opportunities for premium reduction.
• New Home Benefits: Recent Nevada property purchases qualify for 20% insurance premium savings.
• Safety Features: While examining our review of Liberty Mutual, we found Nevada residents can save substantially on home coverage by bundling policies and installing security systems.

Cons

• Coverage Complexity: Nevada homeowners encounter difficult policy customization with many optional add-ons.
• Price Variations: Rates fluctuate significantly across different Nevada zip codes and property types.

#7 – Nationwide: Best for Usage-Based Options

Pros

• Smart Home Integration: Nevada properties with smart devices receive up to 15% premium reduction.
• Replacement Cost Plus: Additional 20% coverage above Nevada property value for rebuilding costs.
• Brand New Belongings: Our detailed Nationwide insurance review looks at other savings opportunities for Nevada homeowners, including full value replacement coverage for personal property.

Cons

• Higher Deductibles: Nevada's affordable rates often come with increased out-of-pocket expenses.
• Limited Rural Coverage: Reduced policy options for remote Nevada property locations.

#8 – American Family: Best for Family-Oriented Policies

Pros

• Generational Savings: Up to 15% discount on home policies is provided to multi-generation Nevada families.
• Child Safety Features: If your Nevada home has been installed with a child safety installation, you are entitled to a 10 percent premium reduction.
• Family Package: Our in-depth review of American Family insurance shows how Nevada families can maximize protection by combining home coverage with college student property insurance.

Cons

• Age Restrictions: Older Nevada homes face limited coverage options and higher rates.
• Family Size Impact: Larger Nevada households may face increased premium costs.

#9 – Farmers: Best for Customer Support

Pros

• 24/7 Claims Service: Nevada homeowners have round the clock support for property emergencies.
• Declining Deductible: For claim free coverage, Nevada policy deductibles decrease by $50 a year.
• Claims Forgiveness: When analyzing coverage options in our Farmers insurance review, we discovered Nevada homeowners maintain their rates after their first claim within three years.

Cons

• Premium Increases: Nevada rates rise more significantly after multiple claims compared to competitors.
• Support Limitations: Rural Nevada areas experience longer response times for claims assistance.

#10 – Allstate: Best for Broad Coverage

Pros

• Claim-Free Rewards: Nevada homeowners earn 5% discount for each claim-free year.
• Welcome Discount: New Nevada policyholders receive 10% off first two years of coverage.
• Property Protection: Data from our Allstate insurance review shows unique desert home protections for Nevada residents and specialized coverage for environmental damage.

Cons

• Rate Structure: Nevada premiums increase more substantially after claims compared to other insurers.
• Coverage Zones: Some Nevada regions face limited policy options based on environmental risks.

Nevada Home Insurance Rates, Costs & Claim Statistics

If you’re shopping around for the best and cheapest homeowners insurance in Nevada, it is important to know how rates are calculated. Now, let’s take a look at a comprehensive data on minimum and full coverage rates from leading insurance providers in the state.

To help you compare costs, the table below breaks down current monthly premiums from top insurers in both basic and comprehensive coverage options.

Insurance Company	Minimum Coverage	Full Coverage
	$69	$165
	$59	$140
	$65	$155
	$46	$110
	$47	$111
	$49	$112
	$35	$82
	$43	$103
	$38	$91
	$29	$69

We need to look at Nevada's special risk factors to understand why these rates change. Insurers assess these risks and these report card grades important factors. These factors affect premiums across the state.

Category	Grade	Explanation
Weather-Related Risks	A	Rare severe weather events
Average Claim Size	B	Higher claims due to repairs
Traffic Density	B	Congestion in Las Vegas, minimal elsewhere
Vehicle Theft Rate	C	Higher theft rates in cities
Uninsured Drivers Rate	D	High uninsured drivers affecting premiums

These grades become real numbers that affect your premiums. Here is a close examination of Nevada's insurance claim details꞉

Factor	Value
Accidents Per Year	43,683
Claims Per Year	75,000
Average Claim Size	$13,804
Percentage of Uninsured Drivers	20%
Vehicle Theft Rate	2,000 thefts/year
Traffic Density	High
Weather-Related Incidents	Low

This list shows the most common types of homeowners insurance claims in Nevada and their average costs to help you anticipate future claims.

Claim Type	Portion of Claims	Cost per Claim
Wind and Hail Damage	30%	$10,000
Water Damage and Freezing	25%	$8,000
Fire and Lightning	15%	$50,000
Personal Liability	10%	$20,000
Theft	10%	$4,000

For getting home insurance quotes in Nevada, these numbers show why full coverage from leading companies like USAA, Progressive and Travelers often saves money over time. Monthly costs may seem a bit higher with these top choices, but in the end, it's more affordable.

Save on Nevada House Insurance Rates

If you’re looking for the best and cheapest home insurance in Nevada, chances are you will want to take advantage of available discounts to lower your premium.

Short-term rental properties through Airbnb, Vrbo and others may need additional coverage to a homeowners insurance policy. https://t.co/RmQGjXHs22 pic.twitter.com/2ujgCTPYX6

— USAA (@USAA) August 6, 2023

There are several ways you can cheapen home insurance quotes in Nevada through several savings opportunities provided by leading providers.

Insurance Company	Available Discount
	Multi-Policy, Safe Driver, Early Signing, FullPay, Responsible Payer, Anti-Lock Brakes, Homeowner
	Multi-Policy, Safe Driver, Generational, Good Student, Defensive Driving, Auto Pay, Early Bird
	Multi-Policy, Multi-Vehicle, Homeowner, Safe Driver, Good Student, Alternative Fuel, Signal (Usage-Based)
	Multi-Policy, Multi-Vehicle, Good Driver, Defensive Driving, Military, Emergency Deployment, Good Student
	Multi-Policy, Multi-Vehicle, Homeowner, Good Student, Hybrid Vehicle, Online Purchase, Early Shopper
	Multi-Policy, Multi-Car, SmartRide (usage-based), Homeowner, Good Student, Accident-Free, Defensive Driving
	Multi-Policy, Multi-Car, Homeowner, Continuous Insurance, Snapshot (usage-based), Teen Driver, Online Quote
	Multi-Policy, Safe Driver, Defensive Driving, Good Student, Steer Clear (young driver), Vehicle Safety, Homeownership
	Multi-Policy, Safe Driver, Homeownership, New Car, Multi-Car, Hybrid/Electric Vehicle, Paid in Full, Early Quote
	Safe Driver, Multi-Policy, Multi-Vehicle, New Car, Defensive Driving, Vehicle Storage, Loyalty

Different cheap home insurance discounts in Nevada can work wonders. Here's a detailed breakdown of the most valuable savings opportunities that help reduce Nevada house insurance rates:

Discount Name	Grade	Savings	Participating Providers
Bundling	A	25%	State Farm, Nationwide, Geico, Allstate, Farmers
Claims-Free	A	10%	Farmers, Allstate, American Family
Home Security	B+	15%	Nationwide, Geico, Liberty Mutual
New Home	B+	10%	Allstate, Farmers, Liberty Mutual
Loyalty	B	5%	American Family, Geico, Travelers
Protective Device	B	5%	State Farm, USAA, Travelers

To save on home insurance in Nevada, always look for possible combination of discounts. Homeowners can save up to 50% on their premiums by bundling policies, keeping a claims free record, and by fitting smart home devices.

Comparing Homeowners Insurance Providers in Nevada

USAA, Progressive, and Travelers offer the best and cheapest homeowners insurance in Nevada, with monthly rates starting at just $29.

Military members get 15% discounts and $15,000 of gear coverage from USAA, Progressive's HomeQuote Explorer tool saves $31 a month, and Travelers offers a 18% green home discount with $10,000 of solar panel coverage for your homeowners insurance policy.

Nevada property insurance requirements change dramatically depending on where you live, with urban locations and rural areas having different needs, it's best to compare and know the top consumer homeowners insurance complaints to choose the right coverage. Find the cheapest home insurance today by entering your ZIP code into our free comparison tool.