Best homeowners insurance in Henderson, NV (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Henderson.

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By

Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
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Reviewed by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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Henderson, Nevada may have a relatively low risk of natural disasters, but there is still a possibility of needing a solid homeowners insurance policy to pay for damage caused by a wildfire or other unexpected losses. 

Fortunately, the average cost of homeowners insurance in Henderson is only $1,183 per year or $99 a month. This is around 1% lower than the Nevada average of $1,191 per year, and about 33% lower than the national average of $1,754. 

Compare home insurance rates in Henderson

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Compare the best cheap homeowners insurance companies in Henderson

To find the best cheap homeowners insurance in Henderson, Policygenius rated over a dozen of the largest insurance companies in Nevada across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Company

Average monthly cost

Policygenius rating

State Farm

$99

4.8 out of 5

American Family

$80

4.5 out of 5

Farmers

$102

4.5 out of 5

Allstate

$105

4.4 out of 5

AAA

$150

4.3 out of 5

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Why we chose itchevron icon

State Farm home insurance scores a near-perfect 4.8 out of 5 thanks to its slew of coverage add-ons, high marks on J.D. Power’s customer satisfaction surveys, and strong financial stability ratings.

Pros and conschevron icon

Pros

  • Save up to $1,127 per year when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • No longer sells home insurance policies in California

  • 20% more complaints filed with the NAIC than other companies of its size

More detailschevron icon

Why State Farm is one of our top picks

At a time when lots of competitors are no longer insuring homes in areas prone to wildfires or hurricanes, State Farm continues to offer its relatively affordable and highly rated home insurance to homeowners in every corner of the country.

And it doesn't skimp on coverage, offering flood, wildfire, and earthquake protection — one of few competitors that offers all three insurance policies to homeowners in high-risk states nationwide.

Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How much does State Farm home insurance cost compared to the Henderson average?

A State Farm home insurance policy in Henderson costs an average of $1,187 per year.

In comparison, the average cost of home insurance in Nevada is $1,191 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is less than the national average of $1,754 per year.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

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2024 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

American Family home insurance has industry-best coverage options, high customer service ratings, and several discounts to compliment its already affordable rates, making it a great option in the 19 states where it’s available.

Pros and conschevron icon

Pros

  • Affordable rates and 11 available discounts

  • Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study

  • Diminishing deductible feature to lower out-of-pocket claim costs

Cons

  • Only available in 19 states

  • Offers online quotes, but requires talking to an agent to complete the process

More detailschevron icon

Why American Family is one of our top picks

When it comes to both the breadth and quality of home insurance policy options, there are few companies in the same league as American Family.

Choose from three comprehensive policy tiers with various levels of protection, or customize a policy to your liking with up to 15 additional coverage options, including inland flood, equipment breakdown, and service line coverage.

We especially like its rare diminishing deductible feature that takes $100 off your policy deductible each year you go without filing a claim — a perk few competitors offer.

While it only writes homeowners insurance in 19 states, American Family is the seventh largest home insurer in the United States — which indicates it’s a popular option in the places it operates.

How much does American Family home insurance cost?

The average American Family home insurance policy in Henderson is $961 per year, a little less than the state average.

In comparison, the average cost of home insurance in Nevada is $1,191 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.

How to get a quote

Online with American Family agent

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2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.

Pros and conschevron icon

Pros

  • 12+ discounts to save on rates

  • Extended and guaranteed replacement cost for your home

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

More detailschevron icon

Why Farmers is one of our top picks

Farmers home insurance stands out against competitors thanks to the slew of discount opportunities and policy perks available.

It offers 17 home insurance discounts — its competitors average just seven — and policy perks that aren't easy to come by, including:

  • Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.

  • Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.

Even more, depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies, according to farmers.

How much does Farmers home insurance cost in Henderson?

The average Henderson home insurance policy through Farmers is $1,227 per year.

In comparison, the average cost of home insurance in Nevada is $1,191 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is much less than the national average of $1,754 per year.

How to get a quote

Online through Farmers

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2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

All 50 states

Why we chose itchevron icon

Whether you’re looking for bare-bones coverage on the cheap or a more comprehensive policy package with additional coverages and features like short-term rental coverage and deductible rewards, you’ll likely be able to find it with Allstate.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • No longer sells home insurance policies in California

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

Why Allstate is one of our top picks

If you rent out your property through a short-term rental service like Airbnb and a guest destroys or steals your property, Allstate’s HostAdvantage will pay up to $10,000 per rental host period to replace or repair your property.

And the best part? This coverage can be added directly onto your home insurance policy for a small additional fee. To put this into context, only about one-third of the nearly 70 home insurance companies we reviewed even offer home-sharing coverage at all.  

How much does Allstate home insurance cost compared to the Henderson average?

The average cost of an Allstate home insurance policy in Henderson is $1,264 per year.

In comparison, the average cost of home insurance in Nevada is $1,191 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

award icon

2024 Policygenius award winner

AAA

AAA logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

New homebuyer discount

Mobile app

Bundle home & auto

All 50 states

Offers earthquake insurance

Offers flood insurance

Offers extended replacement cost

Why we chose itchevron icon

AAA lands the top spot for new homeowners thanks to its new homebuyer discount that offers average savings of around 37% off your home insurance rates and robust coverage add-ons to ensure your new home is fully protected.

Pros and conschevron icon

Pros

  • Affordable rates, plus 15+ home insurance discounts available

  • 20+ policy coverages and add-ons — including flood and earthquake insurance

  • Slew of other perks and discounts that come with AAA membership

Cons

  • AAA membership required to purchase home insurance

  • Coverages, discounts, and claims experience will vary by the regional AAA auto club you receive insurance through

  • Below-average customer satisfaction scores — and 4 times more NAIC complaints than similar home insurance companies

More detailschevron icon

Why AAA is one of our top picks for homeowners

AAA takes the cake for new homeowners thanks to its steep new homebuyer discount that offers average savings of around 37% off your home insurance rates — far beyond what we've seen with competitors in our analysis.

You'll also save even more if you bought a brand-new home, purchased your policy before it needs to go into effect, or have an active AAA membership.

We also like AAA for new homeowners thanks to its stellar selection of coverage add-ons to insure your new home is fully protected, including extended replacement cost coverage for your home, replacement cost coverage for your personal belongings, water damage protection, flood insurance, earthquake coverage, and more.

How much does AAA home insurance cost in Henderson?

The average cost of home insurance with AAA if you're a homeowner in Henderson is $1,797 per year, according to sample quotes provided to Policygenius from Quadrant Information Services.

How to get a quote

Online with AAA

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Compare home insurance rates in Henderson

We don't sell your information to third parties.

How much is homeowners insurance in Henderson?

The average cost of home insurance in Henderson is $1,183 per year, or $99 a month, for a policy with $300,000 in dwelling coverage. This is around 1% cheaper than the average annual cost of $1,191 for homeowners insurance in Nevada, and about 33% lower than the national average. 

Henderson home insurance rates by ZIP code

Home insurance rates can vary substantially depending on which ZIP code your home is located in, as homes in certain Henderson neighborhoods may be more prone to extreme weather damage or property crime than others.

To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Henderson.

ZIP code

Average annual cost

Difference from state average (%)

89052

$1,108

-7%

89074

$1,204

1%

89014

$1,209

2%

89015

$1,168

-2%

89012

$1,132

-5%

89002

$1,163

-2%

89011

$1,211

2%

89044

$1,261

6%

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Cheapest ZIP codes for home insurance in Henderson

With an average home insurance rate of $1,108 per year, the 89052 ZIP code is the most affordable area for home insurance in Henderson.

ZIP code

Average annual cost

Difference from state average (%)

89052

$1,108

-7%

89012

$1,132

-5%

89002

$1,163

-2%

89015

$1,168

-2%

Most expensive areas for homeowners insurance in Henderson

With an average annual premium of $1,261, the 89044 ZIP code is the most expensive ZIP code in Henderson for home insurance. If you live one of these ZIP codes, your rates might be among the highest in the city.

ZIP code

Average annual cost

Difference from state average (%)

89044

$1,261

6%

89011

$1,211

2%

89014

$1,209

2%

89074

$1,204

1%

Learn more >> Home insurance rates by ZIP code

Henderson home insurance costs by coverage amount

Along with your home's location, your homeowners insurance premiums are primarily based on how much dwelling coverage is in your policy. This is the centerpiece of your home insurance coverage, covering the cost to repair or rebuild your home after a covered disaster.

Here are the average rates for homeowners insurance based on coverage amount.

Dwelling coverage limit

Average annual cost

$100,000

$622

$200,000

$933

$300,000

$1,183

$400,000

$1,499

$500,000

$1,860

Henderson home insurance costs by deductible amount

Your home insurance deductible is the amount you’re responsible for paying on each claim before insurance kicks in to help cover the cost of repairing or replacing your property. A higher deductible means lower insurance premiums, but it also means you're responsible for paying more out of pocket when you file a claim.

Here are the average rates for homeowners coverage by deductible amount.

Deductible

Average annual cost

$500

$1,185

$1,000

$1,160

$2,000

$1,039

Cheapest homeowners insurance companies in Henderson

Based on our analysis, Auto-Owners Insurance, USAA, and American Family are the three cheapest home insurance companies in Henderson, with average premiums citywide ranging from $920 to $961 per year.

Company

Average annual cost

Auto-Owners Insurance

$920

USAA

$955

American Family

$961

Universal Group

$974

State Farm

$1,187

Farmers

$1,227

Nationwide

$1,255

Allstate

$1,264

AAA

$1,797

Country Financial

$2,052

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Cheapest home insurance in Henderson if you have poor credit

bad credit score does more than just cost you a few dollars in late payment fees — it can also make your auto and home insurance rates thousands of dollars higher.

Here are the average rates for homeowners insurance for Henderson residents with poor credit.

Company

Average annual cost

Universal Group

$1,319

American Family

$1,382

Auto-Owners Insurance

$1,523

USAA

$1,669

Farmers

$1,815

Nationwide

$1,858

Allstate

$2,033

State Farm

$2,035

Country Financial

$2,933

AAA

$5,578

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Cheapest home insurance in Henderson if you have an older home

Insurance carriers consider older homes to have a higher risk of damage or loss compared to newer homes since they're constructed with older and more difficult to replace materials. Additionally, certain structural components in older homes, like the roof or plumbing systems, may not be up to code.

Here are the average homeowners insurance rates for Henderson residents with older homes.

Company

Average annual cost

Auto-Owners Insurance

$872

USAA

$940

Universal Group

$974

American Family

$1,001

State Farm

$1,150

Farmers

$1,173

Allstate

$1,264

Nationwide

$1,296

Country Financial

$1,631

AAA

$1,973

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Cheapest homeowners insurance in Henderson if you have a history of claims

Claims history is one of the biggest factors that insurance companies use when calculating your home insurance premiums. If you have multiple claims on your record, your insurer will likely view you as a risk for filing future claims and may charge you higher rates as a result.

Here's the cheapest home insurance companies in Henderson for a homeowner with three claims within a five-year period on their record.

Company

Average annual cost

State Farm

$1,210

Universal Group

$1,376

USAA

$1,534

Auto-Owners Insurance

$1,552

American Family

$1,798

Allstate

$2,155

Farmers

$2,175

Country Financial

$2,445

Nationwide

$2,544

AAA

$5,626

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How to get homeowners insurance quotes in Henderson

There are many affordable options to choose from when shopping for home insurance in Henderson. A Policygenius agent can help you on your way to finding the right company, and policy, to suit your needs. Here are some steps to help you get started: 

5 steps to buying homeowners insurance in Henderson, NV

  1. Reach out to a licensed Policygenius agent. If you need help determining your coverage amounts or sifting through unfamiliar terminology, our Policygenius agents are there to lend a hand.

  2. Ask about flood insurance. If your house or neighborhood has a history of flooding, consider purchasing flood insurance. While flooding may be a rare occurrence in Henderson, one bad flood event can cost thousands in repairs. 

  3. Figure out how much you can afford to pay for your deductible. Choosing a high policy deductible can lower your premiums significantly, so if your house doesn’t face much or any risk, it may be worth setting your deductible to $2,000 or higher.

  4. Compare quotes from a Policygenius agent. Our agents can help you compare quotes from several different companies and make recommendations based on your coverage and budget needs.

  5. Choose your policy, sign, and pay your first premium. Once you choose a home insurance policy, all that’s left for you to do is sign and pay your first premium. A Policygenius agent will take care of the rest.

Compare home insurance rates in Henderson

We don't sell your information to third parties.

Frequently asked questions

What is the average cost of homeowners insurance in Nevada?

The average cost of homeowners insurance in Nevada is $1,239. The average rate in Henderson is slightly more at $1,272 per year.

Is homeowners insurance required in Nevada?

While homeowners insurance is not legally mandated in Nevada, most mortgage lenders will require it as a condition of your loan.

What happens if you underinsure your house?

Not having enough home insurance could mean costly out of pocket rebuild or repair bills in the event of a catastrophic storm.

How much should my house be insured?

Your dwelling coverage limit should be equal to your home’s replacement cost to make sure you have enough home insurance to rebuild your house after a covered loss.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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