Best & Cheapest Homeowners Insurance in Henderson, NV April, 2024

Allstate offers the cheapest homeowners insurance to homeowners in Nevada, with an average annual quote of $792.

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Updated: 21 March 2024
Written by
Bob Phillips
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In our comprehensive review of homeowners insurance providers in Henderson, NV, Allstate emerges as the most budget-friendly option, with average annual rates of $792. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

For instance, if your credit score has taken a hit, Auto-Owners stands out as the most economical choice with an average annual premium of $1,532. In contrast, if your home is on the older side, USAA  rises to the top with its competitive rates of $945 per year, and comprehensive coverage.

On the other hand, if you’re the proud owner of a newly constructed home, Allstate offers the most cost-effective solution at $611 per year. And for those who’ve had a history of claims, State Farm provides an affordable and understanding solution at $1,214 per annum.

Last, if you possess a wealth of personal property that needs protection, Travelers proves to be your best bet, offering extensive coverage at a reasonable $914 per year.

Our in-depth analysis at Insuranceopedia is designed to guide you toward the perfect fit for your homeowners insurance needs. By comparing customer ratings, analyzing personal experiences, and presenting comparison charts, we will provide you with all the information necessary to make an informed decision.

How much is homeowners insurance in Henderson, NV?

Allstate offers the most affordable rate for homeowners insurance in Henderson at $792 annually.

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

Area Average Monthly Rate
National $1,820
Nevada $1,276
Henderson $1,164

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.

For instance, your personal driving history plays a pivotal role; a record filled with traffic violations or accidents will likely lead to higher premiums than a clean slate. The type and model of your vehicle also come into play, as high-performance or luxury cars typically cost more to insure.

Your geographical location can impact your rates, too, with densely populated urban areas generally facing higher rates due to increased risk of theft or accidents. Even your age and marital status can influence your car insurance premiums.

Cheapest Homeowners Insurance in Henderson, NV

Our Methodology

To find the cheapest home insurance rates in Henderson, we analyzed findings from numerous home insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We’ve used an average of those rates for this review, but each company’s rates change frequently and will vary based on your situation. Also factored into the overall rating is my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest Overall Homeowners Insurance in Henderson, NV

Allstate emerges as the cheapest overall option for homeowners insurance in Henderson, NV, with an average annual rate of $792.

Company Annual Premium
Allstate $792
Farmers $801
Universal North America $825
State Farm $1,115
USAA $1,145

The cost of your policy is influenced by many factors, including location, home value, and your claims history. Allstate offers a balanced blend of affordability and comprehensive coverage.

Cheapest Homeowners Insurance If You Have Poor Credit

If your credit score is poor, Auto-Owners provides the most affordable solution, with an average annual rate of $1,532.

Insurance Company Average Annual Premium
Auto-Owner $1,532
USAA $1,672
Farmers $1,854
Nationwide $1,889
Allstate $2,043

Your credit score can significantly impact your insurance rates as it’s a key factor insurers consider when calculating risk. Auto-Owners understands that everyone deserves fair coverage, regardless of their financial past.

Cheapest Homeowners Insurance If You Have an Older Home

For those with older homes, USAA offers the cheapest rates, averaging $945per year.

Insurance Company Average Annual Premium
USAA $945
State Farm $1,156
Farmers $1,180
Allstate $1,274
Nationwide $1,301

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs. USAA offers competitive rates and comprehensive coverage tailored to meet the needs of older homes.

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
Universal North America $629
Farmers $512
USAA $810
State Farm $834

New constructions often require different coverage compared to older homes, and Allstate excels in providing affordable policies tailored to these specific needs.

Cheapest Home Insurance for a History of Claims

For homeowners with a history of claims, State Farm provides an affordable solution, with an average annual rate of $1,214.

Insurance Company Average Annual Premium
State Farm $1,214
USAA $1,542
Auto-Owners $1,559
Allstate $2,162
Nationwide $2,546

A history of claims can raise red flags for insurers, often leading to higher premiums. However, State Farm believes in second chances and offers reasonable rates for those with past claims.

Cheapest Home Insurance Rates for Lots of Personal Property

If you have a wealth of personal property, Travelers offers the cheapest rates, with an average annual rate of $914.

Insurance Company Average Annual Premium
Travelers $914
Allstate $1,084
State Farm $1,150
USAA $1,155
Country Financial $1,170

The more personal property you have, the higher your coverage needs, which can increase premiums. Travelers provides extensive coverage at reasonable rates, ensuring all your belongings are adequately protected.

Best Homeowners Insurance Companies in Henderson, NV

Choosing the right homeowners insurance is not just a necessity; it’s a strategic decision. With a rich history, Henderson’s homes are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes paramount.

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
Allstate $792
Auto-Owners $940
USAA $956
State Farm $1,189
Nationwide $1,245
Farmers $1,228

Average Home Insurance Rates by Zip Codes

The cost of homeowners insurance in Henderson, NV can vary significantly based on the zip code. Below are tables showcasing rates for different zip codes in Henderson, along with the five cheapest and most expensive zip codes in the area for annual home insurance premiums.

ZIP Code Average Insurance Premium (Annual)
89052 $1,110
89074 $1,206
89014 $1,214
89015 $1,172
89012 $1,141
89002 $1,168
89011 $1,217
89044 $1,265

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
89052 $1,110
89012 $1,141
89002 $1,168
89015 $1,172

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
89044 $1,265
89011 $1,217
89014 $1,214
89074 $1,206

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

Deductible Annual Rate
$500 $903
$1,000 $830
$1,500 $779
$2,000 $740
$5,000 $615

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.

Let’s take a closer look at a comparison chart that outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$100,000 $625
$200,000 $939
$300,000 $1,191
$400,000 $1,503
$500,000 $1,866

Average Home Insurance Rates in Henderson, NV by Company

Here’s a comparison table showcasing annual premiums from some of the top providers in Henderson:

Company Annual Premium
Allstate $792
Auto-Owners $940
USAA $956
State Farm $1,189
Nationwide $1,245
Farmers $1,228

How Much is Homeowners Insurance for Other Cities in Nevada?

Here’s a comprehensive comparison chart displaying the most affordable annual premiums across different cities in Nevada.

City Annual Premium
East Valley $1,026
Dayton $906
Las Vegas $1,304
Hawthorne $1,062

Getting Online Homeowners Insurance Quotes 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.

FAQs

Who has the cheapest home insurance in Henderson, NV?

The cheapest home insurance in Henderson, Nevada, is provided by Allstate, with an annual premium of $792.

What is the average cost of home insurance in Henderson, NV?

The average cost of homeowners insurance in Henderson, Nevada, is approximately $1,164 per year.

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