Enterprise Home Insurance 

Learn more about your options in Enterprise home insurance. 
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Enterprise: A Friendly Las Vegas Suburb

Enterprise is an unincorporated community in the Las Vegas Valley. Located on Interstate 15, it's a southwestern suburb of the city with what Niche calls a "dense suburban feel." Locals enjoy grand, majestic views of nearby Sloan Canyon and Red Rock Canyon, both designated as national conservation areas. 

The U.S Census Bureau reported Enterprise's population at 221,831 in 2020. Residents' average age is 35.2, reflecting a mix of young single professionals and families in the region.  Households in Enterprise earned an average income of $84,298. Most residents worked in hospitality and food service, healthcare, arts and entertainment, education and retail trade occupations. 

Enterprise home values averaged $349,800 in 2021, exhibiting a 7.4% growth from 2020. Almost 61% of residents owned their dwellings, with nearly 71% paying for their homes with mortgage loans. With homes being such major investments, Enterprise homeowners seek solid indemnity protection. Use VIU by HUB to find a policy that meets your needs and budget. 

Your Enterprise Home Insurance Guide

As an unincorporated town in the Las Vegas Valley, Enterprise uses Las Vegas ZIP codes. Enterprise residents pay similar home insurance rates as those in Las Vegas, averaging $1,085 per year. This is close to the overall annual average for the state and much lower than the national yearly average of $1,820.

Home insurance rates in Enterprise result from many variables. Your home's location, age and value are prime factors, along with climate-related risk factors such as wildfires. Your previous claims history and credit score can also decrease or increase your premiums. 

Risk Factors for Enterprise Homeowners

Like the rest of the Las Vegas area, Enterprise faces a significant wildfire risk. According to the Risk Factor website, the community has a major wildfire risk factor. with 87% of its properties facing potential impacts over the next 30 years. Key climate aspects fueling this risk include increasing temperatures, reduced humidity and changing precipitation patterns.

Components of an Enterprise Home Policy

Your home insurance policy protects the value of buildings and their contents, but it also includes other types of protection. Your policy safeguards against major losses in four specific categories:

  • Structure: Attached and unattached buildings on your property
  • Personal property: Electronics, furniture, clothing, kitchenware and other personal effect
  • Liability: Bodily injury and property damage caused by members of your household
  • Additional living expenses: Hotel bills, meals and related expenses from living away from home during a covered loss

Coverage for fire damage, including wildfires, is included in standard home policies. Other covered losses include storm damage, lightning, hail, falling objects, vandalism, theft, malicious mischief and civil unrest.

All Dog Breeds Welcome in Nevada

Insurers may deny coverage or significantly increase home insurance premiums for households with certain types of dogs such as Rottweilers, Doberman Pinschers and Pit Bulls. However, Nevada law forbids insurers from imposing such restrictions. The liability section of your homeowner's policy should cover any bodily injury or property damage claims against your pet. 

Personal Property Endorsement Add-Ons

While a typical insurance policy includes most protections, there may be coverage limits on personal possessions. For expensive personal items such as heirlooms and jewelry, you can add personal property endorsements. This type of add-on usually covers an item's appraised value. 

Enterprise Home Insurance Solutions

VIU by HUB makes buying Enterprise home insurance faster, easier and more efficient. Compare quotes and policies from multiple insurance companies at the same time. Select the add-ons you want, buy your policy and you're done! You can even explore discounts, bundle home and auto coverages and more. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.



U.S. Census Bureau



Risk Factor

Insurance Information Institute


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