Best & Cheapest Homeowners Insurance in Henderson, NV 2025

Auto-Owners offers the cheapest homeowners insurance to homeowners in Henderson, with an average annual quote of $925.

We’ve saved shoppers an average of $450 per year on their home insurance.

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Updated: 02 August 2025
Written by Bob Phillips
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In Henderson, Auto-Owners provides the cheapest policy, with average annual rates of $925. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

Henderson experiences approximately 268  residential burglaries annually. Additionally, Henderson’s rates climb with extreme weather, older wood-frame roofs, termite trouble, and rising rebuild costs.

To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Henderson, NV.

Key Takeaways

  • Auto-Owners provides the cheapest home insurance policy in Henderson, at an average annual rate of $925

  • The average cost of homeowners insurance in Henderson is $1,188 per year.

  • There are various ways to save on your premiums, such as shopping around for quotes and re-assessing your coverage needs.

Cheapest Homeowners Insurance In Henderson

Auto-Owners is the cheapest overall carrier for homeowners insurance in Henderson, NV, with an average annual rate of $925.

Company Annual Premium
State Farm $1,192
American Family $965
Universal Group $976
Auto-Owners $925
USAA $958

Cheapest Homeowners Insurance In Henderson If You Have Poor Credit

If your credit score is poor, Universal Group provides the most affordable solution, with an average annual rate of $1,322.

Insurance Company Average Annual Premium

Auto-Owners

$1,528

USAA

$1,672

Farmers

$1,819

Universal Group

$1,322

American Family

$1,385

Cheapest Homeowners Insurance In Henderson For Older Homes

For those with older homes, Auto-Owners offers the cheapest rates, averaging $876 per year.

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.

Insurance Company Average Annual Premium
Universal Group $978
American Family $1,006
State Farm $1,155
Auto-Owners $876
USAA $945

Cheapest Homeowners Insurance For Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Allstate offers the most cost-effective solution, with an average annual rate of $611.

Insurance Company Average Annual Premium
Allstate $611
Farm Bureau Insurance $784
State Farm $1,620
Bankers Insurance Group $1,212
American Family $961

Cheapest Home Insurance In Henderson For A History Of Claims

For homeowners with a history of claims, State Farm provides an affordable solution, with an average annual rate of $1,215.

A history of claims can raise red flags for insurers, often leading to higher premiums.

Insurance Company Average Annual Premium
USAA $1,538
Auto-Owners Insurance $1,556
American Family $1,800
State Farm $1,215
Universal Group $1,378

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Best Homeowners Insurance Companies In Henderson, NV

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Henderson, NV. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.

Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

Company Annual Premium
American Family $961
State Farm $1,187
Farmers Insurance $1,227
Allstate $1,264
AAA Insurance $1,797

How Much Is Homeowners Insurance In Henderson, NV?

The average cost of home insurance in Henderson is approximately $1,188 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

As you can see below, rates in Henderson are lower than the National average and the Nevada State average.

Area Average Monthly Rate
National $1,820
Nevada $1,200
Henderson $1,188

Average Henderson Home Insurance Rates By ZIP Code

The cost of homeowners insurance in Henderson, NV can vary significantly based on the ZIP code.

The table below showcases average rates for different zip codes in Henderson.

ZIP Code Average Annual Premium
89014 $1,212
89015 $1,173
89012 $1,135
89052 $1,112
89074 $1,208

Cheapest ZIP Codes For Home Insurance In Henderson

At $1,112 per year, the ZIP code 89052 is the cheapest average ZIP code for home insurance in Henderson.

ZIP Code Average Annual Premium
89002 $1,168
89015 $1,173
89052 $1,112
89012 $1,135
89014 $1,212

Most Expensive ZIP Codes For Home Insurance In Henderson

The most expensive ZIP code in Henderson is 89044, at an average annual premium of $1,266.

                                   ZIP Code Average Annual Premium
89014 $1,212
89074 $1,208
89044 $1,266
89011 $1,215

Average Home Insurance Rates In Henderson, NV By Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Henderson, NV. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.

Here’s how the average home insurance rates in Henderson fluctuate with insurers for different deductible amounts:

Insurer Annual Rate for $500 Deductible Annual Rate for $1,000 Deductible Annual Rate for $1,500 Deductible
American Family $1,185 $961 $910
State Farm $1,365 $1,187 $1,126
Farmers Insurance $1,418 $1,227 $1,152
Allstate $1,458 $1,264 $1,201
AAA Insurance $2,035 $1,797 $1,724

Average Home Insurance Rates In Henderson, NV By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

The below table outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $938
$250,000 $1,033
$300,000 $1,187
$350,000 $1,300
$400,000 $1,520

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Compare Home Insurance Rates To Other Cities In Nevada

The following table shows the average rates of home insurance across various cities in Nevada.

City Annual Premium
Reno $1,175
Fallon $1,130
Las Vegas $1,252
North Las Vegas $1,300
Sun Valley $1,182

Bundle Home With Auto Insurance

Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 5% to 15% on your home insurance premium.

This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.

Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.

How To Get Homeowners Insurance In Nevada

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.

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