How does HOA impact my policy?

Your HOA’s master policy typically covers the building exterior and shared spaces, while your policy handles “walls-in” coverage, personal property, and liability. We’ll review your CC&Rs and master policy to align limits for condos, townhomes, and single-family homes across the Vistas, The Paseos, and nearby villages.

Loss assessment—do I need it?

Loss assessment can help when your HOA charges members for a covered claim affecting common areas (roofs, elevators, pools). We’ll confirm if your bylaws call for it and recommend limits that fit your building and budget; for a statewide overview, see homeowners insurance in Nevada.

What about high-value items?

Standard policies have sub-limits for jewelry, art, and collectibles; scheduling raises those limits and can broaden coverage. We’ll walk through appraisals, itemization, and deductible choices so your valuables are properly listed.

Are there any roof or age discounts?

Many carriers offer savings for newer roofs, impact-resistant shingles, and recent updates to plumbing or electrical. If you’ve renovated or replaced your roof in Summerlin, we’ll verify eligible credits across carriers.

Do you factor in wildfire and weather risks?

Yes—proximity to Red Rock and seasonal wind events can inform deductibles and endorsements like equipment breakdown or water backup. Tell us about your home’s location and upgrades, and contact our team to fine-tune coverage for local conditions.

Summerlin Homeowners Insurance - Local Guidance That Fits

Summerlin Homeowners Insurance

Made for master-planned living

From the Paseos to the Vistas to Red Rock Country Club, securing homeowners insurance Summerlin residents can trust should reflect HOA requirements and the way your home is built. We compare carriers, clarify coverage in plain language, and keep your plan aligned with community guidelines.

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HOA Smart Policies

Policies that complement your master policy
Condo and townhome owners often need walls-in coverage and loss-assessment protection, while single-family homes may focus on roof age credits and alarm discounts. If you drive the Summerlin Parkway or 215 Beltway daily, consider pairing your home policy with Las Vegas auto insurance for potential bundle savings.

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Extra Protection for Valuables and Home Improvements

Protect what you’ve worked for
High-value items can be scheduled beyond standard sub-limits, and optional endorsements can be used for water backup or equipment breakdown. We’ll review remodels, smart-home features, and outbuildings so limits match the way you actually use your property.

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The amount of money James saved me on my home and auto insurance was insane! So glad I found such a dedicated company! James is really the go to guy for all my insurance needs. Thanks so much!

Ciera M.

Been with this company for over 2 years now. When my spouse and I bought a house we went from just car insurance to a car and home bundle. James is the best!

Colette M.

They have been the best insurance company I have had in a long time. Always helpful when I call and answer all my questions.

Michael S.

How does HOA impact my policy?
Your HOA’s master policy typically covers the building exterior and shared spaces, while your policy handles “walls-in” coverage, personal property, and liability. We’ll review your CC&Rs and master policy to align limits for condos, townhomes, and single-family homes across the Vistas, The Paseos, and nearby villages.
Loss assessment—do I need it?
Loss assessment can help when your HOA charges members for a covered claim affecting common areas (roofs, elevators, pools). We’ll confirm if your bylaws call for it and recommend limits that fit your building and budget; for a statewide overview, see homeowners insurance in Nevada.
What about high-value items?
Standard policies have sub-limits for jewelry, art, and collectibles; scheduling raises those limits and can broaden coverage. We’ll walk through appraisals, itemization, and deductible choices so your valuables are properly listed.
Are there any roof or age discounts?
Many carriers offer savings for newer roofs, impact-resistant shingles, and recent updates to plumbing or electrical. If you’ve renovated or replaced your roof in Summerlin, we’ll verify eligible credits across carriers.
Do you factor in wildfire and weather risks?
Yes—proximity to Red Rock and seasonal wind events can inform deductibles and endorsements like equipment breakdown or water backup. Tell us about your home’s location and upgrades, and contact our team to fine-tune coverage for local conditions.

Summerlin Homeowners Insurance

HOA Smart Policies

Extra Protection for Valuables and Home Improvements

Voices From The Valley