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Eureka County, NV Homeowners Insurance Quotes

Trying to find afforable homeowners insurance coverage in Eureka County can be difficult with so many options available locally and online. Plus, everywhere you turn it seems like rates are on the increase. For most of us, getting the right coverage means speaking with a home insurance professional that can help you find the right coverage at the price you can afford. Shopping online for cheaper Eureka County home insurance rates with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance companies available in the state of Nevada. It's important for you to know the coverage options available for your home within Eureka County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current and new home insurance policy needs. And most of all, we provide ways to help you apply additional discounts to lower your premium while still getting a complete coverage package. Start your online home insurance quote today!

For Eureka County, NV homeowners, it's important to know that the average home insurance policy in Nevada is estimated to be around $79.00 per month. That amounts to $948 per year for a standard (HO-3) homeowners insurance policy for residents living in Eureka County. In comparison, the United States national average for homeowners insurance premiums is around 1,249 per year. Nevada is now ranked 49 in the country in terms of highest home insurance rates. You can easily get up to 12 free home insurance quotes for your home in Eureka County, NV along with great consulting services so we can help you review which coverage policy is best for your needs. Most homeowners in your area need additional coverages based on certain preferences like a umbrella policy, extra wind and hail coverage, multiple auto insurance policies, wedding ring coverage or boat coverages. A simple HO-3 home insurance policy doesn't cover everything, that is why we can help you fine tune your Eureka County home insurance coverage to make sure you are covered when you need it the most.

For all Eureka County, NV residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Eureka County? Simply enter your zip code to get your Nevada homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Eureka County, NV Housing Demographics

With 1,987 residents living within the Eureka County area there are over 1,076 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 495 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Eureka County.

DemographicValues
Total Occupied Households836
Family Households (families)495
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units1,076

Eureka County, NV Home Insurance Average Premiums

Local Eureka, NV homeowners insurance quotes comparison

$735 /yr.

Nevada's Average Home Insurance Rates Overall

For the state of Nevada, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 49 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$632 /yr.
Current Average Cost:$735 /yr.
Maximum Range:$948 /yr.

Nevada Homeowners Insurance News & Information

  • Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026

    If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]

  • Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026

    Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]

  • Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026

    Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]

  • Florida Homeowners Can Cut Insurance Bills —Here’s How, and Which Companies are Worth a Look Posted on Tuesday 11th November, 2025

    Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums — from simple paperwork to Florida’s “My Safe Florida Home” program — while shopping smarter for companies that combine strong service with […]

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

Discounts For Homeowners in Eureka County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Nevada homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Eureka County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Eureka County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Eureka County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Eureka County Housing & Real Estate Data

Details:Statistics
Total Housing Units1076
Occupied Housing Units836
Vacant Housing Units240
Vacant Housing Units for Rent38
Vacant Housing Units Rented Not Occupied2
Vacant Housing Units For Sale19
Vacant Housing Units Sold Not Occupied3
Vacant Housing Units For Seasonal Occasional Use62
Vacant Housing Units All Other Vacants116
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent12
Housing Tenure Occupied Units836
Housing Tenure Occupied Units Owner Occupied556
Housing Tenure Occupied Units Owner Occupied Population1345
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied280
Housing Tenure Occupied Units Renter Occupied Population641
Housing Tenure Occupied Units Renter Occupied Average Household Size2