Best homeowners insurance in Henderson, NV for 2022

We looked at average costs, coverages availability, and customer satisfaction ratings to find the best homeowners insurance companies in Henderson.

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

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This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

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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Residents in Henderson, Nevada may not routinely think about the relatively low risk of natural disasters in the area, 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 $1,272 per year or $106 a month. This is around 3% higher than the Nevada average of $1,239 per year, and about 33% lower than the national average of $1,899. 

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However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Henderson.  

Best homeowners insurance companies in Henderson

USAA has the lowest home insurance rates in Henderson, with an average yearly cost of $955 — over $300 less than the citywide average. However, keep in mind that USAA only serves members of the armed forces, so most Henderson homeowners will likely find the cheapest rates with American Family and its average annual premium of $961. 

Policygenius analyzed thousands of quotes from the 5 largest Henderson insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Henderson residents to find the best homeowners insurance in Henderson.

Company

Average yearly cost

J.D. Power Rating

State Farm

$1,187

835

Farmers

$1,227

813

Allstate

$1,264

829

American Family

$961

831

USAA

$955

882

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

We love the tools that State Farm provides for its customers, including its user-friendly website and mobile app. From the palm of your hand, you can view and manage your policy, access ID cards, and file and track claims. You can even take photos of the damage to your home and upload the evidence directly from your phone or tablet. State Farm offers customers the convenience and efficiency you’re looking for in a home insurance provider.

How to get a quote

Online through State Farm

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

While filing a single claim can often lead to higher home insurance rates, that’s not necessarily the case with Farmers. Its policies include a guarantee that — if you’ve been claim-free for five continuous years — Farmers won’t increase your rates when you file a claim. 

How to get a quote

Online through Farmers

Allstate

Allstate logo

Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.

Pros

  • Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection

  • 8+ discounts, including autopay, bundling, zero claims, and new homebuyer

  • Get up to 25% off your premiums when you bundle home and auto insurance

  • Excellent customer service and claims satisfaction ratings

  • File and track claims online or through its mobile app

Cons

  • Rates are typically high compared to competitors

Why Allstate tops our best list

Allstate offers a multitude of discounts to bring down premiums for its customers, including a discount for bundling your home and auto insurance. You can save up to 25% on your premiums just by using Allstate for both your home and auto insurance. In Henderson, this could add up to over $300 in savings on your homeowners insurance. 

How to get a quote

Online through Policygenius or Allstate

American Family

American Family logo

American Family's status as the 7th largest home insurance provider in the U.S. speaks to its popularity and reputation. Our fave perk? Its diminishing deductible program that lets you earn credits for every year you go without filing a claim.

Pros

  • Unique coverage add-ons, like matching siding insurance and hidden water damage coverage

  • Save up to 20% on home insurance and 29% on auto insurance for bundling the policies together

  • Earn a $100 credit toward your deductible for ever year you go without filing a claim

  • File claims online or on its mobile app — with 24/7 claims support

Cons

  • Doesn't offer extended or guaranteed replacement cost coverage

  • Above-average customer complaints according to the NAIC

Why American Family tops our best list

American Family understands that many people are choosing to start their own businesses and, most of the time, those businesses start at home. Since your business may not be fully covered under your homeowners insurance policy, American Family offers special home business coverage to fill in that gap.  

How to get a quote

Online through American Family

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

USAA’s customer and claims satisfaction ratings are among the best in the industry. With a J.D. Power score of 882 out of 1,000, USAA customers can be sure they will receive a high-quality and efficient claims process and industry-best customer service.

How to get a quote

Online through USAA

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Cheapest homeowners insurance companies by ZIP code in Henderson

Looking at average home insurance costs for 15 of the most popular companies in Henderson, we found that the cheapest home insurance in the city can be found in the 89052 ZIP code (Seven Hills) with USAA. The average USAA rate in this area is $770 per year — nearly 40% less than the city average of $1,272 per year. 

The cheapest rates in Henderson are split between USAA and Auto-Owners Insurance, with both companies offering average yearly costs under $1,000.

ZIP code

Company

Average yearly cost

89002

USAA

$851

89011

Auto-Owners Insurance

$920

89012

Auto-Owners Insurance

$920

89014

Auto-Owners Insurance

$920

89015

USAA

$885

89044

USAA

$812

89052

USAA

$770

89074

Auto-Owners Insurance

$920

The most affordable areas for homeowners insurance in Henderson

With an average home insurance rate of $1,218 per year, the 89052 ZIP code (Seven Hills), is the most affordable area for home insurance in Henderson. Most homes in this area were built in the last 20 to 30 years and are moderately valued. Both of these factors contribute to the affordable home insurance rates. 

ZIP code

Average yearly cost

89052

$1,218

89012

$1,240

89044

$1,261

89002

$1,265

89015

$1,269

The most expensive areas for homeowners insurance in Henderson

With an average home insurance rate of $1,309, the 89014 ZIP code (Green Valley North) is the most expensive area for home insurance in Henderson.Slightly older homes and elevated crime rates may be the culprit for the higher home insurance costs.

ZIP code

Average yearly cost

89014

$1,309

89011

$1,308

89074

$1,305

89015

$1,269

89002

$1,265

Shopping for homeowners insurance in Henderson

Shopping for homeowners insurance is easy if you know what you’re looking for. Homeowners in Henderson should balance their coverage quality and affordability when choosing a company and policy.  

In this section, we break down the average annual home insurance rates in Henderson for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in the state for individuals with a poor credit score, dog owners, and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Henderson.

Henderson home insurance costs by coverage amounts

Dwelling coverage is the part of your policy that covers the cost to repair or rebuild your home after a covered loss. To be certain that you have enough coverage, make sure your dwelling coverage limit is based on your home’s replacement cost — not its market value or your mortgage balance. 

The price of your home insurance policy will generally go up as your dwelling limit increases. In Henderson, a policy with $500,000 in coverage costs $2,008, while a policy with $400,000 in coverage costs $1,620 — a difference of almost $400.

Dwelling coverage amount

Average yearly cost

$100,000

$626

$200,000

$933

$300,000

$1,272

$400,000

$1,620

$500,000

$2,008

Liability coverage is the part of your policy that pays for medical, legal, or repair bills if you’re found legally responsible for someone else’s injuries or damage to their property. This amount should be based on the total value of your assets, including your house, vehicles, and liquid assets. 

Liability coverage amount

Average yearly cost

$100,000

$1,282

$200,000

$1,725

$300,000

$1,272

$400,000

$1,548

$500,000

$1,261

Henderson home insurance costs by deductible amount

Your policy deductible is the amount you pay toward each claim before your insurance company reimburses you for the remainder of a loss. A high deductible home insurance policy is generally cheaper than a low deductible plan, but be careful to not set it at an amount you can’t afford to pay in the event of a claim. 

As seen in the table below, Henderson residents can save around $224 on home insurance by choosing a $2,000 deductible over the $500 option.

Deductible amount

Average yearly cost

$500

$1,506

$1,000

$1,272

$2,000

$1,282

Home insurance discounts in Henderson

If you have protective devices like fire sprinklers or security systems installed in your home, your insurer may apply discounts to your home insurance as an incentive for making your house more secure. By installing a smoke detector, security alarm, or other protective features, you’re reducing the likelihood that you’ll need to file a claim, which saves money for you and your insurer.  

While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual home insurance rate and average discount percentage for homes in Henderson with deadbolts, smoke alarms, or burglar alarms. 

Discount

Average yearly cost

Dead bolt

$1,272

Smoke alarm

$1,271

Burglar alarm

$1,227

Home insurance companies in Henderson for dog owners

While insurance agents will often charge higher rates for owners of certain dog breeds, this practice is now illegal in the state of Nevada. The original frame of thinking was that these breeds were responsible for more bites and attacks resulting in liability claims, but opponents suggest a dog’s breed is irrelevant.

With an average rate of $955 per year, USAA has the cheapest home insurance rates in Henderson for a home with a dangerous dog breed, while Allstate’s average yearly premium of $1,264 is the highest. 

Company

Average yearly cost

USAA

$955

American Family

$971

State Farm

$1,187

Farmers

$1,227

Allstate

$1,264

Home insurance companies in Henderson for poor credit

Your credit score tells insurance companies what kind of risk you are to insure. Customers with poor credit tend to file more claims and make late payments, while customers with higher credit will often pay for smaller repairs out of pocket. 

Not all insurance companies weigh this factor as heavily as others when setting your premiums, so it’s best to shop around to make sure you’re getting the best rate.

With an average rate of $1,382 per year, American Family has the cheapest home insurance rates in Henderson for a homeowner with poor credit, while State Farm’s average yearly premium of $2,035 is the highest. 

Company

Average yearly cost

American Family

$1,382

USAA

$1,669

Farmers

$1,815

Allstate

$2,033

State Farm

$2,035

Home insurance companies in Henderson for pool owners

Pool owners tend to have higher insurance rates, since pools put you at greater risk for injuries and subsequent liability claims. 

Not all insurance companies raise rates as high as other companies, and some insurers don’t factor pools into rates at all, so it’s important to shop around and compare quotes from multiple companies to help you find the best price on coverage. 

With an average rate of $955 per year, USAA has the cheapest home insurance rates for Henderson homes that have a swimming pool, while Allstate’s average yearly premium of $1,264 is the most expensive.

Company

Average yearly cost

USAA

$955

American Family

$965

State Farm

$1,187

Farmers

$1,227

Allstate

$1,264

How to buy homeowners insurance 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: 

  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.

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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.

Methodology

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.

Author

Freelance contributor

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

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