Home Insurance in Las Vegas, NV

Find out what you need to know about home insurance in Las Vegas, NV.
Compare, shop and customize quotes from top-rated insurance carriers.

Las Vegas: A Desert Oasis

Known primarily for its entertainment and gambling industries, Las Vegas is regarded as a shining gem in the Mojave Desert. Founded in 1905 as a humble railroad town, the construction of Hoover Dam plus the issuance of gaming licenses kickstarted the city's economic growth. Unprecedented growth through the mid- and late-20th centuries has made Las Vegas the city it is today.

Las Vegas's population was 656,274 in 2022, according to the U.S. Census Bureau. The city's residents have a median annual household income of $61,356. Almost 290,000 people are employed, primarily working in management, food service, office and administrative, sales and retail, maintenance and construction occupations.

Las Vegas Homeownership Statistics

The current average Las Vegas home value is $408,001. While this reflects a 3.41% decrease over the last year, values have rebounded by 9.60% during the fourth quarter of 2023. Single-family homes make up 62% of the area housing market. A little over half of Las Vegas residents own their primary residence, with ownership currently at 53%. 

Clark County homeowners like you want to protect their lives and investments. Use VIU by HUB to shop for home insurance in Las Vegas, NV. Our user-friendly platform makes it easy to find and buy personalized coverage. 

A Look at Home Insurance in Las Vegas, NV

Las Vegas homeowners pay an average of $1,085 annually to insure their residences. Area residents who prefer to pay monthly have an average premium of $90. These figures are close to the state's average but much lower than the nationwide average of $1,820.

Several factors influence what you'll pay for a home insurance policy, including your home's age, location and value. Your credit score and any claims history you have also affect your premiums. Risk factors such as wildfires can raise or lower your rates. Finally, additional coverage options can increase your premiums. 

Las Vegas Area Risk Factors

Las Vegas has a major fire risk, according to the website Risk Factor. Around 27% of area homes face a risk of being affected by wildfires over the next 30 years. Climate change is a significant contributor to the wildfire risk with the region's rising temperatures, changes in precipitation patterns and decreasing humidity.

Home Insurance Policy Components

Home insurance shields against significant financial losses involving your residence and its contents. Covered losses include fires, lightning, storm damage and hail, as well as theft, vandalism, civil unrest and malicious mischief. A typical policy includes four parts:

  • Structure: Attached and unattached buildings on your property
  • Personal effects: Electronics, clothing, furniture, kitchenware, toys, games and other personal property
  • Liability: Property damage and bodily injury caused by you or your family members, including pets
  • Additional living expenses: Lodging, meals and similar costs incurred if you can't live in your home due to a covered loss

High-value items such as jewelry, heirlooms and musical instruments may require extra coverage. Depending on the item, you can add a special personal property endorsement to insure it at its appraised value. 

Your Las Vegas Home Insurance Options

Safeguarding your residence, family and belongings is critical. Shop for home insurance in Las Vegas, NV, with VIU by HUB. In a few simple steps, you can receive quotes, review policies, add special coverage types and purchase your insurance online. You can even explore discounts and bundle coverages such as home and auto.

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


City of Las Vegas

U.S Census Bureau


Neighborhood Scout


Risk Factor

Insurance Information Institute

Home insurance in Nevada by city

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