The Best Home Insurance Companies in Las Vegas in 2026

Las Vegas may be the city that never sleeps for tourists, but homeowners prefer to sleep soundly knowing they have a home insurance policy to protect their home and family from risks. Despite high property crime rates in Sin City, home insurance in Las Vegas is relatively affordable, with an average annual premium of $1,428.

Rates vary by location, home type, and insurer, and you can find even cheaper premiums if you compare quotes. The cheapest home insurance company in Las Vegas is Travelers, with an average monthly rate of $64. We’ll cover the best and cheapest home insurance in Las Vegas and explain how to choose the right coverage.

Our Picks for Las Vegas’s Best Home Insurance Companies

There isn’t a best homeowners insurance company for everyone, but several companies stand out for offering competitive average rates in Las Vegas, excellent customer reviews, and great coverage options. We considered these factors, along with available discounts, agent network size, and financial strength ratings, when selecting the top companies below.

Company	Compare.com Rating	National Average Monthly Premium
Amica	4.78	$132
The Hartford	N/A	N/A
Chubb	4.19	$308
American Family	4.45	$183
Foremost	N/A	$207

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Best for customer satisfaction

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Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

Not rated

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

Not rated

Why we picked this company

Amica has the second-highest property claims satisfaction among companies rated by J.D. Power and an A+ (Superior) financial strength grade from AM Best. The company offers specialized riders for Las Vegas residents, like earthquake and water backup coverage, plus a few discount opportunities, including three payment discounts and a credit for new or remodeled homes.

Pros

• Excellent Trustpilot rating

• Low number of complaints with the National Association of Insurance Commissioners (NAIC)

Cons

• Closest sales center in Henderson

• Fewer endorsements than some competitors

Best for seniors

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Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

Not rated

Why we picked this company

The AARP Homeowners Insurance Program from The Hartford offers Las Vegas seniors benefits like retiree credits for working less than 24 hours per week and savings for security upgrades. You can also add earthquake and flood coverage.

The Hartford has the third-highest property claims satisfaction rating among companies rated by J.D. Power and an A+ (Superior) financial strength grade from AM Best.

Pros

• Offers retiree credits

• Generous bundling discount

Cons

• Requires AARP membership

• High NAIC complaint rating

Best for luxury homes

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Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

Not rated

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Chubb specializes in covering high-end Las Vegas homes, offering benefits like fast claims service, additional living expense coverage, and a cash-out option. Water backup and personal property replacement value coverage come standard with all policies. Chubb is the top-rated homeowners insurance company for claims satisfaction according to J.D. Power.

Pros

• High liability coverage limits

• Top AM Best financial strength rating

Cons

• Relatively expensive premiums

• No online quote and purchase

Best for young homeowners and vacation homes

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Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

Not rated

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

Not rated

Why we picked this company

American Family has multiple agents and offices across the Las Vegas area. It offers a wide range of coverage options and discounts that may appeal to young homeowners, like a home business endorsement and a generational discount for children of American Family customers.

Las Vegas is also a popular destination for second homes, and American Family offers unique options like short-term rental coverage, vacation home coverage, and vacant home coverage that competitors lack. Plus, American Family has an excellent Trustpilot rating.

Pros

• Relatively affordable premiums

• New and renovated home discounts

Cons

• Uses only captive agents

• Below-average J.D. Power customer satisfaction rating

The Cheapest Home Insurance Companies in Las Vegas

Rates can vary drastically from one company to the next, even for the same coverage. If you want the best price, it’s important to compare quotes from a handful of home insurance providers.

The table below shows the cheapest homeowners insurers in Las Vegas for $300,000 homes, according to Compare.com data.

The below rates in Las Vegas, NV, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Company	Average Yearly Premium
Travelers	$768
Capital Insurance Group	$840
Allstate	$1,116
State Farm	$1,164
USAA	$1,212
Encompass	$1,308
Farmers	$1,344
Allied	$1,356
American Family	$1,356
CSAA	$1,404
Country Financial	$1,680
Foremost	$3,684

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Average Cost of Homeowners Insurance in Las Vegas

The amount of coverage you need for your home, particularly dwelling coverage, will significantly affect your annual homeowners insurance premium. If a disaster damages or destroys your home, your dwelling coverage limit determines the maximum amount your insurer will pay to repair or rebuild your home, so the company will price your premiums accordingly.

The table below shows the average annual home insurance rates for various levels of dwelling coverage, according to Compare.com data. The limits you choose for personal liability and loss of use coverage will also affect your premium.

Common Home Insurance Risks in Las Vegas

Weather risks related to climate change and high crime rates in Las Vegas relative to other cities in Nevada drive up the cost of homeowners insurance coverage in Sin City. If you’re seeing your premiums increase or you’re wondering why your Las Vegas home insurance quote is so high, the following risk factors may be to blame.

Extreme heat and fire

Las Vegas faces an increasing risk of both electrical fire and wildfire damage due to high heat. According to First Street data, 100% of homes in Las Vegas have a major risk from heat.^[1] While the risk of wildfires in Clark County is not as great as in northern Nevada, high heat in Las Vegas commonly leads to roof damage claims and other structural or aesthetic damage.

Burglary and theft

Las Vegas, as a high-density urban area and popular tourist destination, has higher property crime rates than other Nevada cities and the rest of the nation. Theft and burglary are significant risks to homeowners, which is why many Las Vegas home insurance companies offer discounts for home security systems or burglar alarms.

Wind and storm damage

Wind and hail damage is the most common cause of homeowners insurance claims nationwide, according to the Insurance Information Institute, and Las Vegas gets its share of severe winter weather. Keep in mind that storms often lead to flash flooding in Clark County as well, and most standard homeowners policies don’t cover storm-induced flood damage.^[2]

Nevada Division of Insurance

The Nevada Division of Insurance regulates insurance companies and protects your rights as a consumer. This includes checking that policies comply with Nevada law, licensing insurance providers and agents, and ensuring that companies abide by their contracts with policyholders.

You can file a complaint online about an insurer. If you have questions or need assistance, you can also call the Las Vegas office at 1 (702) 486-4009 or call toll-free at 1 (888) 872-3234. You can email the Division at [email protected].

What Homeowners Insurance Covers in Las Vegas

While policies vary, a standard HO-3 homeowners insurance policy covers the structure of your home and your personal belongings against a variety of covered perils that Las Vegas homeowners commonly face, including:^[3]

• Home fires, wildfires, and explosions

• Smoke damage

• Wind, lightning, and hail

• Theft and vandalism

• Riots and civil unrest

• Damage from a vehicle or aircraft collision

• Damage from falling objects

• Volcanic eruption

• Heavy snow, ice, or sleet damage

• Freezing of HVAC, plumbing, or appliances

• Overflow or discharge of water or steam from HVAC, plumbing, or appliances

• Sudden boiler exploding, hot water heater cracking, or A/C unit bulging

• Sudden damage from an electrical current

If your home becomes untenable and you need to stay elsewhere while repairs are underway, your policy will cover the additional living expenses. Homeowners insurance also includes liability coverage, which helps cover your legal expenses if someone sues you for bodily injury or property damage that you, your family members, or your pets cause to others.

What home insurance doesn’t cover

While home insurance coverage protects you against a broad array of risks, every home insurance policy contains exclusions. Some policy exclusions are common risks in Las Vegas, including:

• Earthquakes: Most homeowners policies don’t cover earth movement. Las Vegas sits on a network of fault lines and is at risk of a major event.^[4] Fortunately, many insurers offer earthquake coverage as an endorsement or rider to a home insurance policy.

• Sewer backup: Water or sewer backup, including basement flooding due to sump pump failure, is typically sold as an add-on to a homeowners policy. 

• Flood damage: Home insurance doesn’t cover flooding, so you should determine your home’s flood risk and decide whether to purchase a separate flood insurance policy.

• Valuable belongings: Home insurance has sublimits for valuable belongings like jewelry and fine art. Since theft is a risk in Las Vegas, you may want to add scheduled personal property coverage to your policy if you have high-value items.

Do You Need Flood Insurance in Las Vegas?

Home insurance doesn’t include flood coverage. While First Street estimates only a minor risk of flooding for the city of Las Vegas, you should check your property’s flood risk using FEMA flood maps. These tools are only risk estimates — flooding can happen anywhere.

If you decide to purchase flood insurance, you’ll decide between the National Flood Insurance Program (NFIP) and private flood insurance. NFIP insurance is backed by the federal government and offers standardized coverage and rates, while private insurers offer more comprehensive options. Private flood insurance typically costs more, but you can shop around.

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Factors That Affect Home Insurance Costs in Las Vegas

Several factors affect Nevada home insurance rates beyond your home’s value. Home insurance companies determine premiums based on:

• The home itself: Insurers consider the size and age of your home and its construction materials, which affect your home’s resiliency to damage and the cost to rebuild. The home’s prior claims history can also affect your rate. And if you install safety or security systems, that might lower your premium.

• Where you’re located: Insurers check your proximity to fire stations, earthquake faults, and flood zones when pricing your policy.

• How you structure your policy: The coverage limits, deductible, and endorsements you choose will affect your annual premium. You’ll also choose from actual cash value, replacement cost, and extended replacement cost coverage. Higher levels of coverage will increase your premium.

• Your background: In most states, home insurance companies set premiums based on your credit-based insurance score, which is similar to the credit scores that mortgage lenders use to evaluate you. If you pay your bills on time and keep your debt balances low, you may pay less for home insurance.

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