Home insurance

Homeowners insurance for Las Vegas families

Your home is probably the most valuable thing you own. A good homeowners policy protects the structure, your belongings, and your finances if someone gets hurt on your property. We shop multiple carriers to make sure you're covered — without overpaying.

What homeowners insurance covers

A standard homeowners policy (HO-3 in industry terms) is actually a bundle of several coverages that work together. Understanding each one helps you make smarter decisions about limits and deductibles.

Dwelling coverage

This pays to repair or rebuild your home if it's damaged by a covered event — fire, windstorm, hail, vandalism, or falling objects, among others. The key number here is the replacement cost of your home, which is what it would actually cost to rebuild at today's construction prices. That's different from (and usually higher than) the market value or your mortgage balance.

Personal property

This covers your belongings — furniture, clothing, electronics, appliances — if they're damaged or stolen. Standard policies typically cover personal property at 50–70% of your dwelling limit. High-value items like jewelry, art, or firearms may need scheduled endorsements for full protection.

Liability protection

If a guest slips on your walkway or your dog bites a neighbor, liability coverage pays for their medical bills, legal defense costs, and any judgment against you. Most policies start at $100,000, but we usually recommend at least $300,000 — an umbrella policy on top of that is worth considering if your assets exceed your liability limit.

Additional living expenses

If your home becomes uninhabitable after a covered loss, this pays for temporary housing, restaurant meals, and other extra costs while repairs are underway. It's one of those coverages you never think about until you desperately need it.

Las Vegas-specific considerations

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Flash flood exposure Standard homeowners policies do not cover flood damage. Las Vegas experiences monsoon-season flash flooding that can affect even homes far from the wash. We can place separate flood policies through the NFIP or private markets.

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Desert climate wear Extreme heat, UV exposure, and thermal cycling take a toll on roofs, stucco, and HVAC systems. Some carriers offer endorsements that cover mechanical breakdown of home systems — worth considering in our climate.

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New construction vs. older homes Newer homes in master-planned communities often qualify for lower rates due to modern building codes. Older homes may need a four-point inspection (roof, plumbing, electrical, HVAC) before some carriers will write the policy.

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Vacant or seasonal homes Own a property you don't live in year-round? Standard homeowners policies often exclude vacancy beyond 30–60 days. We can find vacancy endorsements or standalone vacant-home policies.

Common questions about home insurance

Your dwelling limit should match the full replacement cost of your home — what it would cost to rebuild from the ground up at current construction prices. This is different from your purchase price or appraised value. We use carrier estimation tools and local construction cost data to help you set an accurate limit.

No. Flood damage is excluded from all standard homeowners policies. In the Las Vegas area, even homes outside FEMA-designated flood zones can experience flash flooding during monsoon season. We recommend discussing a separate flood policy — rates for low-risk zones are often surprisingly affordable.

Absolutely — and you usually should. Most carriers offer a multi-policy discount of 10–20% when you bundle home and auto together. We automatically check for bundling savings when we shop your file.