Las Vegas Home Insurance Costs (2026)

How much is homeowners insurance in Las Vegas?

Homeowners insurance in Las Vegas averages $152 a month for the house we priced, with rates as of Sept. 30, 2026. The 5 major insurers we compared are USAA (military families only), State Farm, Farmers, CSAA (AAA members) and Liberty Mutual, and each one priced our sample home in all 41 Las Vegas ZIP codes in our data, in Clark County. For this house, Las Vegas is the most expensive of the 4 Nevada cities in our data with at least 5 ZIP codes, and above the Nevada average of $146 a month.

Our figures are for a $300,000 dwelling, which works out to about $6.07 a year for each $1,000 of dwelling coverage in Las Vegas; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Las Vegas average fell 4.8% since Nov. 2025, from $1,913 a year ($159 a month) on Nov. 30, 2025, to $1,821 ($152) on Sept. 30, 2026, as USAA’s (military families only) fell 26.6% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in Las Vegas for our sample home (rates as of Sept. 30, 2026)

USAA (military families only) averaged $107 a month ($1,283 a year), State Farm $116 ($1,397), Farmers $135 ($1,615), CSAA (AAA members) $195 ($2,334) and Liberty Mutual $206 ($2,474) for our sample home.

By ZIP code: each insurer’s yearly price for the same house ranged across Las Vegas: USAA (military families only) $1,058 to $1,445, State Farm $907 to $1,962, Farmers $1,440 to $1,922, CSAA (AAA members) $1,852 to $2,815 and Liberty Mutual $2,398 to $2,580.

Who has the cheapest homeowners insurance in Las Vegas?

State Farm had the lowest home average for our sample home of the insurers anyone can buy from, $116 a month ($1,397 a year), 13.5% below Farmers’ $1,615 a year. It may not be the lowest for your house, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Las Vegas, ZIP code averages for this house ran from $136 to $169 a month, while insurers’ Las Vegas averages ran from $107 to $206.

Same house, different city: how does Las Vegas compare?

The same sample home costs $152 a month in Las Vegas, $142 in Reno, $143 in Henderson and $151 in North Las Vegas, the 4 Nevada cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Las Vegas, other Nevada cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Las Vegas has the highest average of these Nevada cities; Reno, the lowest, averages $142 a month, 6.5% less for the same house.

Compared with Reno, the Nevada city with the most ZIP codes in our data after Las Vegas (10), the same house costs 6.9% more to insure in Las Vegas.

Across the U.S., 68 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Las Vegas, and 223 a higher one.

For the statewide picture, see home insurance costs in Nevada and Henderson home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

Is $200 a month a lot for home insurance in Las Vegas?

$200 a month is more than our sample home averages in Las Vegas, $152 a month, the most expensive of the 4 Nevada cities in our data with at least 5 ZIP codes. 4 of the 5 insurers we compared averaged under $200 for the same house: USAA (military families only) ($107), State Farm ($116), Farmers ($135) and CSAA (AAA members) ($195). If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.

What is the 80% rule in homeowners insurance?

The Nevada Division of Insurance’s 2024 consumer guide explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.

How do wind and hail deductibles work in Las Vegas?

Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample request also includes a 2% hurricane deductible, a setting we use in every state; real Las Vegas policies may use a separate wind and hail deductible, so ask for yours.

Your wind and hail deductible in dollars (illustration only)

The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $1,821 a year that house averages in Las Vegas.

A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.

What if an insurer won’t renew your Las Vegas home?

Nevada law requires at least 30 days’ written notice before most personal insurance policies, including homeowners policies, aren’t renewed (NRS 687B.340). Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Nevada Division of Insurance at 888-872-3234.

Nevada doesn’t have a FAIR Plan, so if insurers turn you down, ask a licensed agent about other insurers that write homes in your area.

In our data, every insurer we compared priced our sample home in all 41 Las Vegas ZIP codes.

How much is condo insurance in Las Vegas?

Condo insurance for our sample condo averages $50 a month ($603 a year) in Las Vegas. For our sample condo, prices among the 5 insurers we compared ranged from $23 to $75 a month, a $52-a-month gap for the same coverage.

Condo insurance averages by insurer in Las Vegas for our sample condo (rates as of Sept. 30, 2026)

Liberty Mutual averaged $23 a month ($277 a year), USAA (military families only) $45 ($539), State Farm $51 ($610), CSAA (AAA members) $57 ($688) and Farmers $75 ($898) for our sample condo.

We don’t name a lowest condo insurer in Las Vegas (the methodology explains when we do); the condo table above lists every insurer’s average for the same condo, from $23 to $75 a month.

For condo insurance, Las Vegas is the most expensive of the 4 Nevada cities in our data with at least 5 ZIP codes: its average is 6.8% above the Nevada condo average of $564 a year ($47 a month) and 25.2% above the average of the 50 states and D.C., $481 a year ($40 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 160 have a lower condo average for our sample condo than Las Vegas, 131 a higher one. Our sample condo’s policy costs about 33% of what our sample home costs to insure in Las Vegas.

For the same insurers and ZIP codes, the Las Vegas condo average fell 1.6% since Nov. 2025, from $51 to $50 a month, as USAA’s (military families only) fell 16.3%, Farmers’ rose 6.5% and the other insurers’ prices didn’t change.

By ZIP code, the Las Vegas condo average for our sample condo ran from $48 a month in 89131 to $53 in 89121.

Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.

• $60K unit coverage
• $60K belongings
• $1,000 deductible
• Built 2005

Which part of a Las Vegas condo is yours to insure?

The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $50 a month in Las Vegas.

What to check with your HOA before you buy condo insurance

• The master policy: ask the association or manager for its certificate of insurance and declarations page.
• Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
• The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
• Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).

Official resources for Las Vegas homeowners

• Clark County Regional Flood Control District: history of flooding The county’s flood history and flash flood safety information.
• National Weather Service: flooding in Nevada Dated Las Vegas Valley flash flood history and safety information.
• Clark County Regional Flood Control District: the RFCD story How the county’s flood control system was built and what it includes.
• Nevada Division of Insurance: 2026 flood insurance guide Why you need a separate flood policy.
• Nevada Division of Emergency Management: earthquakes Earthquake risk in Nevada.
• Nevada Revised Statutes 687B Notice rules for nonrenewals (687B.340).
• Nevada Division of Insurance Consumer help and complaints. Consumer line: 888-872-3234.
• National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
• FEMA Flood Map Service Center The official source for FEMA flood maps.
• FloodSmart FEMA’s site for the National Flood Insurance Program.