Who Has the Cheapest Homeowners Insurance Quotes in Nevada?

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Ryan Friend

September 17, 2019  •  5 min read

Nevada is so much more than just a few big cities people hear about. It is a large state that, while barren in a lot of places, is also home to serene beauty, many additional towns across the state, and countless homeowners such as yourself. Yet not everything is perfect in Nevada, and we strongly believe that just about every home in Nevada can benefit from a homeowners insurance policy, just in case something happens. And if you don’t know where to start or are looking for a cheaper policy, we have compiled the cheapest and best providers in the state for you.

Here are the three cheapest homeowners insurance providers operating in Nevada:

The Three Cheapest Quotes:

While we don’t expect rates to vary much except for homes close to larger cities, you should keep in mind that your experience with each company will be unique based on your home, your lifestyle, and your location. This noted, we focused on averages and general trends for you.

The number listed next to each provider is the average annual rate for a standard policy.

1) Allstate: $773

The cheapest on average in the state when it comes to a homeowners policy, Allstate is not only a good choice for most homeowners in Nevada, but an especially strong option if you are looking to bundle or have an older home, based on how much you can save compared to other plans.

Yet when it comes to customer service, it seems that you get what you pay for. With reports of pushy agents, hit or miss service, and problems with getting a timely response, Allstate ranks rather low. Be careful if good service is important to you.

You can expect the following working with Allstate:

  • Very helpful online and mobile apps to keep all processes moving smoothly no matter where you are or what you need.
  • Many different discounts available, cementing Allstate as the cheapest option in Nevada.
  • Plenty of optional coverages, such as identity theft restoration, water backup, garden and landscaping, business property, and scheduled personal property coverage.

2) State Farm: $828 

If you don’t think you need anything special on your policy and just want to get a plan and move on, working with State Farm is the clear path forward. This very popular insurance provider offers low rates and simple but effective plans and has set up millions of homes with another layer of protection against whatever might damage it.

Yet State Farm isn’t a top choice for any homeowner that wants more than what’s described above. There aren’t many additional coverage options to add onto your policy, and furthermore, there aren’t many discount opportunities, so Farmers can easily be the most affordable option.

You can expect the following working with State Farm:

  • An online quoting tool that is among the best in the industry.
  • A network of agents that is larger than what most companies can offer, making things more convenient for you.
  • Very helpful online resources and tools to give you more

3) Farmers: $830

Farmers is just a sliver more expensive than State Farm on average, but with Farmers (and unlike Allstate) you’ll get one of the better customer service experiences in the insurance industry and more customization options than many people know what to do with. An excellent choice for new homeowners and people who are willing to pay just a tiny bit extra to get a plan specialized for their home.

Yet while the startup may be excellent, some customers report rate spikes some time into their relationship with Farmers. Others instead report that the coverage was not satisfactory. Go into the process with a clear head, ask questions, and make sure you’re getting what you deserve if you decide to work with them.

You can expect the following working with Farmers:

  • Three different base packages to choose from, with the lowest tier being heavily customizable.
  • The ability to repair to damaged home with eco-friendly materials.
  • Discounts for new homes, not smoking, making recent renovations, using strong roofing materials, and installing security or safety devices.

Other Notable Nevada Homeowners Insurance Providers

Getting an average rate for every company was impossible (at least to do so reliably), but there are still other providers that are worth a look. Here are two of our top picks:

4) Liberty Mutual

Liberty Mutual is nearly always available, even if doesn’t always stand out in the homeowners insurance market. With plenty of ways to save even if they aren’t the cheapest, we think the provider should be on everyone’s list, if only for comparison’s sake. Consider them more strongly if you need several different insurance products or the other companies don’t feel like a good fit.

Yet many homeowners working with Liberty Mutual have run into issues successfully making claims. Whether it is reasonable claims getting rejected or claims taking far too long to process, making a claim could turn into a long ordeal for you. If you want to be cautious about this, look for another company.

You can expect the following working with Liberty Mutual:

  • Many different options to get discounts on your policy, including partnerships with thousands of organizations and bundling opportunities.
  • The ability to help you get emergency repairs made in a timely manner.
  • Optional coverages for water backup damage, valuables, and identity fraud expenses.


Normally we wouldn’t focus on a more niche provider such as USAA, but the first four options truly are the main choices for customers in the state, and USAA is such an excellent choice for military members, former military members, and their families, that it deserves special mention. While you need to be one of the above to work with them, they offer homeowners

Outside of the restrictions, we found few to none disadvantages to working with USAA. Unless you have a very large house with special insurance needs, USAA is the best choice for military members and families.

You can expect the following working with USAA:

  • A policy that at its base level covers fire, theft, vandalism, liability issues, identity theft, and most natural disaster-related damage.
  • The ability to save via heavy discounts when you bundle policies.
  • Additional benefits and perks if you bank with USAA.


Homeowners in Nevada are lucky in that homeowners insurance is affordable across the state, so you have no excuse for not getting a policy soon. You have the choice of the quality providers above and even more if you’re willing to look for them, and many of them provide options that allow you to protect your home perfectly and without your bank account taking too much of a hit. Take your time to do the research, consult your family if relevant, and we hope you get the protection you need in the coming days.