Enter your ZIP code:

Nevada Home Insurance

With home insurance rates on the rise, finding a Nevada home insurance policy that meets your needs is hard.

But you can beat those expensive premiums and still get the coverage you need. Just let InsureMe do the shopping for you!

We'll get you up to five Nevada home insurance quotes from top insurers in the state, saving you time and letting you decide which coverage is right for you.

Ask for your free quotes today!

What You Should Know About Nevada Home Insurance

Although home insurance is not required in Nevada, doing without it can be devastating. Most people think disaster only strikes others, not them. But neglecting your Nevada home insurance purchase can leave you financially indigent, so going without this protection is simply not worth the risk.

You may purchase several types of Nevada homeowners insurance policies. Common offerings generally include four classes: basic, broad, special and comprehensive. Costs vary, with basic form being the least expensive and broad form the most, depending on the number of damages covered and price.

Each package protects you against a specific number of "perils" such as fire, theft, vandalism and hail, as well as four additional types of coverage: property damage, medical payments, personal liability and additional living expenses protection.

Each type of policy carries its own exclusions and specifications. Speak with a licensed Nevada home insurer to determine what type of policy is appropriate in your situation.

Please note: If you finance your home, your mortgage lender may specify a certain amount of Nevada home insurance you must purchase. However, you may choose your own insurance company, with no obligation to use the company recommended by your lender.

What Affects Your Home Insurance Price

The amount you pay for your Nevada home insurance is made up of a "base rate" plus or minus varying amounts, depending on the following factors:

  • Your home's construction and age
  • Your home's location
  • Your home's replacement cost and the amount of insurance you carry
  • Your credit history
  • Your claims history

The extent of influence these elements have on your Nevada homeowners insurance premium varies, but a licensed Nevada home insurance agent can help you determine your own base rate. You can then subtract this rate from your final premium quotations to decide which Nevada home insurance company has the best rate to offer you.

Choosing a Deductible

Your deductible is the amount you must pay out of pocket for each Nevada home insurance claim you make. This amount must always be paid before your home insurance policy will kick in and pay any remainder.

The higher you set your Nevada homeowners insurance deductible, the less your insurance policy will cost. However, keep in mind that this means you'll have more immediate, out-of-pocket expense in case of emergency.

Creating a Household Inventory

A household inventory is simply a list of all your possessions, their worth and any accompanying details further identifying them. It is important to keep just such a list in a safe place in order to ensure sufficient Nevada homeowners coverage and eliminate claims problems in the event of a disaster.

To make a household inventory, first make a list of each room in your house. Then walk through each room, listing its contents and writing down any supporting information. Include complete descriptions, estimated values, sales prices, serial numbers, brand names, model numbers—any identifying details.

Be specific! Take pictures if you are able and record your inventory on a computer disk, storing all supporting documents together in a safe place outside your home. Then, in the event of a loss, simply send a copy of this information to your Nevada home insurance company or agent.

Be prepared for disaster before it strikes. Create a home inventory today!

Flood Insurance

Flood insurance is required only in special Nevada flood hazard areas. Although this coverage is not a part of your Nevada home insurance policy, it is offered by the federal government under the National Flood Insurance Program (NFIP).

Contact the NFIP online at www.fema.gov to find out if flood insurance is required for your property, or ask your Nevada home insurance broker.

Get the Coverage That Fits Your Needs

Don't spend your time searching for the right Nevada home insurance policy. Let InsureMe go behind the scenes, do the work for you and meet your home insurance needs.

Submit your information online today!

Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6538
54 Wisconsin Home Insurance youcomparequotes 6823
53 West Virginia Homeowners Insurance youcomparequotes 6411
52 Washington, D.C. Home Insurance youcomparequotes 8046
51 Washington Home Insurance youcomparequotes 6143
50 Virginia Home Insurance youcomparequotes 6355
49 Vermont Homeowners Insurance youcomparequotes 6774
48 Utah Homeowners Insurance youcomparequotes 6109
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7092
46 Texas Home Insurance Quotes youcomparequotes 6606
45 Tennessee Homeowners Insurance youcomparequotes 8200
44 South Dakota Homeowners Insurance youcomparequotes 6860
43 South Carolina Homeowners Insurance youcomparequotes 6155
42 Rhode Island Homeowners Insurance youcomparequotes 6362
41 Pennsylvania Home Insurance Quotes youcomparequotes 6572
40 Oregon Home Insurance Quotes youcomparequotes 12691
39 Oklahoma Homeowners Insurance youcomparequotes 6578
38 Ohio Home Insurance Quotes youcomparequotes 6881
37 North Dakota Homeowners Insurance youcomparequotes 6300
36 North Dakota Home Insurance youcomparequotes 6186
35 North Carolina Homeowners Insurance youcomparequotes 10762
34 New York Home Insurance Quotes youcomparequotes 6857
33 New Mexico Homeowners Insurance youcomparequotes 6680
32 New Jersey Home Insurance youcomparequotes 6249
31 New Hampshire Home Insurance youcomparequotes 6321
» Nevada Home Insurance youcomparequotes 6455
29 Nebraska Home Insurance youcomparequotes 6298
28 Montana Home Insurance youcomparequotes 6666
27 Missouri Home Insurance Quotes youcomparequotes 6342
26 Mississippi Home Insurance youcomparequotes 6420
25 Minnesota Home Insurance Quotes youcomparequotes 6582
24 Michigan Home Insurance Quotes youcomparequotes 6715
23 Maryland Home Insurance youcomparequotes 6582
22 Maine Homeowners Insurance youcomparequotes 6393
21 Louisiana Homeowners Insurance youcomparequotes 6743
20 Kentucky Homeowners Insurance youcomparequotes 6189
19 Kentucky Home Insurance youcomparequotes 6550
18 Kansas Homeowners Insurance youcomparequotes 6773
17 Iowa Homeowners Insurance youcomparequotes 6225
16 Indiana Homeowners Insurance youcomparequotes 6584
15 Illinois Home Insurance Quotes youcomparequotes 7254
14 Idaho Home Insurance youcomparequotes 6403
13 Hawaii Home Insurance youcomparequotes 6416
12 Georgia Home Insurance youcomparequotes 6557
11 Florida’s Home Insurance Headache youcomparequotes 7770
10 Florida Home Insurance Quotes youcomparequotes 6509
9 Delaware Home Insurance youcomparequotes 6076
8 Connecticut Homeowners Insurance youcomparequotes 6374
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10938
6 Colorado Home Insurance Information youcomparequotes 7019
5 California Home Insurance youcomparequotes 6584
4 Arkansas Home Insurance youcomparequotes 6599
3 Arizona Home Insurance Quotes youcomparequotes 7624
2 Alaska Homeowners Insurance youcomparequotes 6300
1 Alabama Homeowners Insurance youcomparequotes 6239
XE Login