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Best Homeowners Insurance in Las Vegas, NV for 2022

Best homeowners insurance companies in Las Vegas


American Family has the lowest home insurance rate in Las Vegas, with an average yearly cost of $945 — about $425 less than the city average. USAA makes for an excellent home insurance option for Vegas military members and their families, combining a low average rate of $1,023 per year with an impressive customer satisfaction score with J.D. Power.

Policygenius analyzed thousands of quotes from the 5 largest Las Vegas insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Las Vegas residents to find the best homeowners insurance in Las Vegas.

Why State Farm tops our best list

It’s easy to see why State Farm scores so well for customer satisfaction with J.D. Power. With multiple ways to access your policy — including online and through its mobile app — State Farm makes it easy to file and keep track of your claim. Its website has plenty of resources for customers and provides helpful information for homeowners to keep you well informed.

Why Farmers tops our best list

Even with yearly rates below the Las Vegas average, you can save even more money through Farmers’ copious discounts. Along with standard discounts for bundling policies and installing home safety devices, you can also save just by being a non-smoker, going paperless, and paying your bills on time. Farmers offers additional discounts to teachers, first responders, medical professionals, and other occupations.

Why Allstate tops our best list

In the event Las Vegas is impacted by a natural disaster, you may not be able to get in touch with your insurance company to file a claim due to down power and phone lines and internet outages. This is why Allstate’s mobile catastrophe team will move into an area affected by a disaster and help customers file claims in person, so you don’t have to wait to get your home, and your life, back in order.

Why American Family tops our best list

American Family’s diminishing deductible program helps homeowners reduce their deductible amount each year to save on out-of-pocket expenses during a claim. Every year you remain claim-free, American Family will reduce your deductible by $100.