HOME INSURANCE

Nevada homeowners insurance, made personal.

Smarter Homeowners Insurance Across the Las Vegas Valley
Comprehensive coverage with local know-how
Choosing homeowners insurance in Nevada starts with getting clear guidance and real carrier options. From single-family homes in Centennial Hills to townhomes near the 215 Beltway, we help you compare policies and tailor coverage to how you live. As an independent insurance agency, we bring choices, transparency, and ongoing support long after your policy is issued.

How To Choose the Policy That’s Right for You

How to choose the right homeowner’s insurance policy

Selecting the right home policy means balancing protection and value. Most plans include your home’s structure, personal belongings, liability, and additional living expenses. When you compare options, look closely at coverage limits, deductibles, and endorsements that fit your situation—such as water backup or scheduled items. If you’re comparing quotes across Las Vegas, Henderson, or Summerlin, we’ll outline the differences so you can decide with confidence.

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Coverage At A Glance

What’s included and why it matters
A strong policy addresses key areas: Dwelling (rebuild cost), Other Structures (fences, sheds), Personal Property (what you own), Loss of Use (extra living costs after a covered loss), Personal Liability (injury or property damage to others), and Medical Payments to Others. We’ll help align limits to your rebuild estimate and lifestyle, then review optional endorsements that add value for Nevada homeowners.

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Protecting Your Home

Protecting your home means securing your future

Weather, water, and everyday mishaps can lead to costly repairs. We’ll walk you through coverage choices that make sense for Clark County—whether you’re in a Summerlin HOA with loss-assessment needs, a Henderson neighborhood focused on roof and alarm discounts, or North Las Vegas with detached structures and yard improvements to consider.

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Here’s How We Can Help

From storm damage and wind to pool liability and sewer backup, we compare multiple carriers to find practical solutions. Have valuables, a new roof, or a short-term rental on the horizon? We’ll talk through endorsements and deductibles so the plan fits your home, not the other way around.

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Storm damage, fire, windstorm, lightning, and hail
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Trampoline or swimming pool liability 
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Sinkholes
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Flood Damage
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Sewer and Septic Backups
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Umbrella Liability

Nevada Home Insurance for Every Property Type

Coverage for how you live

We write for single-family homes, condos, and townhomes across the Las Vegas metro. Condo owners can review master policy details and consider loss-assessment coverage, while townhome owners often pair dwelling and liability adjustments with discounts for alarms or gated communities. Investors can explore a separate policy for rentals when needed.

Areas We Serve

Local help across the valley

Our team supports homeowners throughout Las Vegas, Henderson, Summerlin, and North Las Vegas—plus nearby neighborhoods like Centennial Hills, Green Valley, Seven Hills, and Aliante. For city-specific coverages, HOA considerations, and savings opportunities, choose your community below.

Las Vegas Homeowners Insurance: What to Know

  • How do I pick coverage limits?

     A standard homeowners insurance policy typically includes protection for your home’s structure, personal property coverage, personal liability coverage, and additional living expenses. It safeguards against risks such as fire, theft, windstorms, and vandalism, ensuring you can repair or rebuild after unexpected damage.


  • Water vs. flood—what’s covered?

    While homeowners insurance covers many risks, it typically does not include coverage for floods, earthquakes, routine wear and tear, or intentional damage. Separate policies or endorsements may be required for additional protection.


  • Condo vs. home policy differences?

    Condo policies focus on walls-in, personal property, liability, and often loss-assessment, while a home policy covers the entire structure plus what you own. Bring your HOA documents and we’ll review together.

  • What discount options should I ask about?

     If your actions cause damage to your home or a neighbor’s, your homeowners insurance coverage may provide compensation under personal liability coverage. This could include tree root damage, water leaks, or fires that spread to adjacent properties.

  • Can I switch mid-term?

    Yes. We’ll coordinate timing, manage pro-rated refunds with your current carrier, and ensure continuous coverage during the changeover.

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Responsive Nevada Home Insurance, Whenever You Need It

We’re by your side, every step of the journey

When life changes—renovations, new drivers, or a move across town—your policy should change with it. We offer quick reviews, straightforward explanations, and responsive service so you can make decisions without the guesswork. Call (702) 620-4825 or send a note and we’ll outline the next steps.

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