Rates by Nevada Homeowners Insurance Type

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Homeowners living in Nevada often pay the cheapest rates for homeowners insurance because your home is located in the midwest region of the country. At GetHomeInsuranceQuotes.com, we want to help you determine which coverate type works best for you in the "The Silver State" state. In Nevada, there are over six coverage types to choose from, your most common type is an HO-3 policy which is very standard in your area. A Homeowners 3 policy will provide coverage for all perils, except those excluded on the policy, for example flood damage is not covered under an HO-3 policy. You will need to purchase a separate flood insurance policy to gain that additional protection. Given that your home is located in a very low risk region, Nevada homeowners are not normally required to purchase additional coverage like flood insurance, wind and hail or earthquake insurance.

Below is list of coverage types listed with the average rates for each. We can help you compare Nevada homeowners insurance quotes and coverage options easily only or over the phone. Most homeowners are not sure what type of coverage is best and often times your mortgage provider may require certain types based on the property type of your home. Please review the average Nevada homeowners insurance rates and let us help you shop and compare the best coverage option and lowest premiums.

Review average homeowners insurance premiums in Nevada per coverage type.

Coverage TypeOverviewRatesCountrywideDifference
DWDwelling Fire Policy - slimmed down version that offers limited coverage, for example: fire and smoke only.$416$857$441
HO-1Basic 'named-perils' like fire, lightning or hail coverage on the home and personal property$399$1149$750
HO-2Broad 'named-perils' coverage on the home and personal property; provides coverage for more perils than HO-1 package.$830$1110$280
HO-3Most Common: Provides 'all-risks' coverage on the home, broad named-peril coverage on personal property. Insurance providers against risks of direct loss, except losses specifically stated in the policy, like flood damage.$687$1095$408
HO-5Provides 'all-risks' coverage on newer homes, more of an upscale policy.$742$1061$319
HO-8Older home policy which includes repair cost coverage for the dwelling where the replacement cost exceeds current market value.$391$937$546
TotalNevada's average including all coverage types$696$1085$389

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Average Rates Per Top 10 Cities in Nevada

What to find out more information about your city in Nevada? Please click one of the following cities below to discover more detailed information about homeowners insurance in your area.