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Nevada Home Insurance

Nevada home insurance provides necessary property damage coverage for your home. There are many different policies to choose from, but only two are commonly used for single family homes. The basic HO-2 policy offers coverage for the following perils: fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The broad HO-3 policy offers bodily injury protection with your home. If you buy your home with a mortgage loan, the mortgage lender will likely require you to carry Nevada home insurance for the duration of the loan.

Nevada Home Insurance Rates

In Nevada the threat of high heat and wildfires can raise home insurance rates. The basic policies would cover threats from fire and heat, but it can cause the increase in rates. If you live in a part of Nevada that is prone to flood waters, you must carry additional flood insurance to protect your home. You can review the “exclusions” section of your Nevada homeowners insurance to see what may or may not be covered.

The Nevada home insurance rates are below the average for homes in the country. Homeowner paid an average of $582 in 2003 for an annual premium. This compared to the national average of $668. The average rate for Nevada home owners insurance rose 18.8% from 2001 to 2003.

Saving Money

Many homeowners wish to reduce their Nevada home insurance premium. There are some basic adjustments you can make to your house to receive discounts. You can protect your home by installing an alarm system and provide better safety by installing smoke alarms. By doing these small improvements, you can receive a discount from your insurance provider. Most insurance companies offer a discount when you purchase more than one policy through them. For instance if you buy both home and auto insurance, you can get a annual decrease. Savings can be found by shopping around before purchasing your Nevada home insurance. With a little footwork, you can greatly reduce your premium.

Nevada Department of Insurance

Carson City Office:
788 Fairview Drive
Suite 300
Carson City, Nevada 89701
Phone: (775) 687-4270

Las Vegas Office:
2501 East Sahara Avenue
Suite 302
Las Vegas, Nevada 89104
Ph: (702) 486-4009

For other Nevada Insurance Resources, See:

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