Homeowners Insurance Nevada

Get the Best Homeowners Insurance in Nevada for You

Whether you reside in Reno, call Carson City home or live near the bright lights of Las Vegas, you want to make sure your home is protected. Homeowners insurance from The Hartford can help you feel safe and secure, knowing that your property is protected no matter where you live in Nevada. If you’re looking for the best homeowners insurance in Nevada, you’ll need to compare quotes and coverages from different home insurance companies. This will help you save money and find the kind of protection your unique property needs. Discover all that our homeowners insurance in Nevada has to offer with the AARP^® Seguro de vivienda Program from The Hartford.¹

We make it easy to get homeowners insurance quotes. Our representatives can help you decide on coverage options to help protect your home and personal property.

Average Cost of Homeowners Insurance in Nevada

According to the Insurance Information Institute, homeowners insurance rates in Nevada 2017 had an average cost of $755 a year, while the national average was $1,211.³ This means Nevada has the third cheapest homeowners insurance rates in the country.

Your home insurance rate will depend on the type of coverage you choose and your coverage limit. Home insurance companies use many factors to determine your insurance premiums, including the location and age of your home.

Types of Home Insurance Coverage in Nevada

Every homeowner has unique needs, and different factors can impact your specific cost, such as the type of homeowners insurance coverage you choose. At The Hartford, our company offers a variety of great coverage options to ensure your Nevada home is protected.

Dwelling Coverage

This type of coverage will protect your home and the structures attached to it. For example, if your home has a fire, your front porch or attached garage would be covered if you have dwelling insurance coverage. Nevada homeowners can have peace of mind with dwelling coverage, knowing your electrical wiring, plumbing, heating and air conditioning are all covered.

Cobertura para otras estructuras

If you have a shed or a fence on your property, they will be protected with la cobertura para otras estructuras. So, if a tree falls on your fence, this coverage can help pay to repair it. Swimming pools, guest houses, detached garages, barns and gazebos are also covered.

Cobertura de propiedad personal

Your home is valuable, and so are the things inside of it. Personal property insurance is an essential part of your home insurance policy. This type of coverage protects your personal property against damage from a covered theft or loss. The two types of basic personal property coverage are:

Replacement cost, which pays to purchase a new, similar item
Actual cash value, which replaces your items based on what they’re worth now

Cobertura por responsabilidad civil

What happens if someone is injured on your property? Personal liability insurance will help protect you against damages like medical expenses, legal expenses and court costs. This type of insurance can also protect you if you’re found responsible for injuring someone or damaging their property while you are away from your home.

Cobertura de pérdida de uso

This type of coverage can be used to help pay your living expenses if you have a covered property damage and can’t live in your home.

Cobertura de gastos médicos

Regardless of fault, this helps cover medical costs if someone is injured while on your property.

Optional Homeowners Insurance Coverages in Nevada

Earthquakes and floods are not usually covered in most homeowners insurance policies, but homeowners in Nevada can purchase additional coverage options for these situations.

Homeowners Insurance in Nevada - Discounts and Benefits

AARP members in Nevada can get home insurance discounts and benefits through the AARP Homeowners Insurance Program from The Hartford. We offer many ways to save on the average cost of homeowners insurance in Nevada:

Retiree credits are available if you work less than 24 hours a week
Bundling your insurance policies to save up to 5% on auto insurance and 20% on your home, condo or renters insurance²
Increase your fire protection by installing smoke detectors and sprinkler systems
Home security upgrades, like adding deadbolt locks, burglar alarms or monitored security systems

Get a Quote for Homeowners Insurance in Nevada

Not all homeowners insurance companies and policies are equal. We’ve been protecting AARP members since 1984 and have earned a reputation for integrity and trust, as well as high customer ratings for claims services.

From Mesquite to Incline Village and Reno to Las Vegas, you can count on The Hartford to be there when you need us most. Reciba una cotización online in minutes for homeowners insurance in Nevada today.

² Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP^® Auto & Home Insurance Programs from The Hartford. El producto para propietarios de viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida.

³ Insurance Information Institute (III), “Facts + Statistics: Homeowners and Renters Insurance”