Nevada Homeowners Insurance Quotes

The state of Nevada has some of the wildest and most beautiful landscapes in the country. Whether you love to get out in the desert on your four-wheeler, head to Lake Tahoe for boating or enjoy the bright lights of Las Vegas, the state of Nevada has you covered.

While almost 75 percent of our population lives in Clark County, which contains the Las Vegas-Paradise metropolitan area, Nevada has plenty of other areas that are great places to call home. Nevada is large, ranking as the 7th most extensive state in the nation but we have plenty of open space, Nevada ranks 9th in the least densely populated states.

Regardless of whether you decide to put down roots in the Las Vegas area or buy a home in our capitol city of Carson City, moving to Nevada is one of the best decisions you will ever make.

Nevada Facts

According to the Census Bureau, Nevada had an estimated population of 2,839,099 in 2014, which is an increase of 5.13%, since the year 2010.

While growth has slowed in recent years, Nevada was the eighth fastest growing state in the nation according to the 2006 census. Las Vegas is by far the largest city in the state with a population of 603,000 residents, dwarfing the number two city of Henderson which 270,000 call home. If you are looking for a small town feel, consider Incline Village in Washoe County, the Lake Tahoe area. Housing options abound in the Silver State.

Median income in Nevada was $51,230 in 2013, the latest figures available which ranks it as a fairly unimpressive 39th in the country. The cost of housing can vary dramatically across the state which means that just about everyone can find an affordable housing option.

According to Zillow the median home value in Nevada is $195,600 making homeownership very affordable. While Nevada real estate prices took a hit during the Great Recession, they are starting to climb back. Prices shot up 11.3 percent last year and Zillow is predicting they will go up another 5.5 percent this year so it's a good time to get in the market.

Areas like Gardnerville tend to have higher home values with a median price hitting $258,000 while the more affordable option of Fernley comes in at a much more reasonable $148,000.

Homeowers Insurance in Nevada

Another great thing about living in Nevada is the cost of homeowners insurance. Only 18 states have a lower average premium than us. The median annual premium comes in at a very affordable $584.

If you want to drive your insurance cost even lower, most experts recommend shopping your policy on an annual basis. We can help you find a great policy at an affordable price. We shop a huge number of national insurers to come up with the best deal for you. Best of all, the service is free and convenient.

Another great way to save is to adding home security. Adding a monitored security system can result in a fairly significant discount. Discounts will vary so contact your insurer for details.

Factors to Consider in Nevada

Nevada is fairly lucky when it comes to natural disasters. Earthquakes are rare, and tornadoes are almost non-existent. Flooding however can be an issue. Hot, dry air hardens the earth, which doesn't easily absorb water so heavy rains can lead to flash flooding.

Flood damage is not covered by a normal homeowners policy so it is extremely important to purchase an additional flood policy if your home is located within a flood zone. This can also be important in the Lake Tahoe area of Washoe County. Costs will vary depending on the location of your home but in general, flood insurance can be fairly expensive.

Crime rates will also affect your homeowners rates and unfortunately Nevada has plenty of crime. The Silver State ranks number two in the country when it comes to crime rates. Our robbery rate, motor-vehicle theft rate and aggravated assault rate are quite high compared to other states and this will absolutely affect your insurance rates, regardless of whether you live in Reno or Minden.

There are a number of websites that will break down crime rates by neighborhood and it is a good idea to check any areas that you are considering. If the crime rate is too high, move on to the next area.

If you are moving to Kingsbury, Blue Diamond, Spanish Springs or any of Nevada's other beautiful cities we can help. We work with some of the largest insurance companies in the state and can help you find the best coverage at an affordable price.