Nevada
Landlord insurance in Nevada
Costs, coverage, and local rental data for Nevada property owners. A quote is not a binder.
Nevada has about 481,396 renter-occupied homes, 40% of all occupied housing. The median owner-occupied home is valued at $435,400 and median gross rent is $1,597 a month (ACS 2020–2024). This page covers what landlord insurance costs in Nevada, what moves a quote, and local pages for the largest rental markets.
What landlord insurance costs in Nevada
The NAIC's average dwelling-fire premium in Nevada was $541 in 2023, which ranks 8 of the ten states we serve (highest first). The Nevada HO-3 homeowners average was $1,013. Dwelling-fire figures mix basic and broad forms and are collected for owner-occupied one-family homes, so use them as background rather than a quote.
| Amount of dwelling insurance | Nevada average dwelling-fire premium (2023) |
|---|---|
| Under $150,000 | $648 |
| $150,000–$199,999 | $496 |
| $200,000–$224,999 | $533 |
| $225,000–$249,999 | $624 |
| $250,000–$274,999 | $650 |
| $275,000–$299,999 | $600 |
| $300,000–$324,999 | $517 |
| $325,000–$349,999 | $498 |
| $350,000–$399,999 | $507 |
| $400,000–$449,999 | $377 |
| $450,000–$499,999 | $507 |
| $500,000–$599,999 | $589 |
| $600,000–$699,999 | $493 |
| $700,000–$999,999 | $917 |
| $1,000,000 and over | $697 |
| All amounts (state average) | $541 |
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). View the report (PDF). Consumer resources: Nevada Division of Insurance.
What moves your landlord quote in Nevada
- Weather exposure: extreme heat that stresses roofs, HVAC, and water heaters; monsoon flash flooding, which needs a separate flood policy; wildfire and smoke near the Sierra front; high wind events.
- Rebuild cost: NAIC averages above climb consistently with the amount of insurance.
- Building age and systems: the median Nevada home was built in 1996; roof, wiring, plumbing, and heating updates matter.
- Building type: 7% of Nevada homes are in 2–4 unit buildings and 66% are single-family.
- Occupancy: long-term, short-term, student, or vacant.
- Policy choices: DP-1 vs. DP-3, liability limit, loss of rents, deductible, and any wind or hail deductible.
- Claims history on the property and for the owner.
Largest Nevada rental markets
- Las Vegas 43% renters · median value $427,900
- Henderson 34% renters · median value $484,900
- North Las Vegas 36% renters · median value $404,400
- Reno 50% renters · median value $548,300
- Sparks 40% renters · median value $483,800
- Carson City 38% renters · median value $453,000
- Fernley 28% renters · median value $366,700
- Mesquite 19% renters · median value $388,600
- Elko 37% renters · median value $309,100
- Boulder City 22% renters · median value $435,600
- Fallon 49% renters · median value $282,700
- Winnemucca 39% renters · median value $309,100
- West Wendover 44% renters · median value $139,700
- Ely 35% renters · median value $233,700
- Yerington 28% renters · median value $284,800
Coverage guides for Nevada landlords
- Rental property insurance
- Dwelling fire policy (DP-1/2/3)
- Landlord vs. homeowners insurance
- Landlord insurance cost by state
- Duplex & fourplex landlord insurance
Other Nevada communities we serve
We accept quote requests for rentals anywhere in Nevada, including these communities, grouped by county.
Elko County: Carlin, Wells
Lincoln County: Caliente
Pershing County: Lovelock
Nevada landlord insurance FAQ
Is landlord insurance required in Nevada?
No Nevada statute requires landlords to insure a rental, but mortgage lenders typically require property coverage and many leases and associations require liability coverage.
What does landlord insurance cost in Nevada?
The NAIC reported a 2023 Nevada average dwelling-fire premium of $541, compared with $1,013 for HO-3 homeowners policies. Averages rise with the amount of insurance, as shown in the table above. Your quote depends on the building, location, coverage, and deductible.
Who regulates insurance in Nevada?
The Nevada Division of Insurance licenses insurers and agents and publishes consumer guides and complaint tools.
Does a Nevada landlord policy cover flood?
No. Standard dwelling forms exclude flood from surface water. Flood coverage is purchased separately, for example through the National Flood Insurance Program or a private flood policy.
Sources
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter
- U.S. Census Bureau, Vintage 2024 population estimates
- FEMA National Risk Index
- Nevada Division of Insurance
Request a Nevada landlord quote
Last updated October 15, 2026. Sources and method: how we research.