Boulder City, NV
Landlord insurance in Boulder City, Nevada
What Boulder City landlords should know before insuring a rental. A quote is not a binder.
Boulder City is home to roughly 15,029 people in Clark County, and about 22% of its 6,574 occupied homes are rented rather than owner-occupied, below the Nevada rate of 40%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Census snapshot: Boulder City housing
| Measure | Boulder City | Nevada |
|---|---|---|
| Renter-occupied homes | 22% (1,456) | 40% |
| Median owner-occupied home value | $435,600 | $435,400 |
| Median gross rent | $1,427/mo | $1,597/mo |
| Median year structure built | 1981 | 1996 |
| Homes in 2–4 unit buildings | 6% | 7% |
| Single-family homes (detached or attached) | 72% | 66% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
What home values in Boulder City mean for your dwelling limit
At a median home value of $435,600, Boulder City is in line with Nevada overall ($435,400). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
If your rental is insured somewhere around Boulder City's median, the closest NAIC benchmark is the $400,000–$449,999 band, where the 2023 Nevada dwelling-fire average was $377. The all-amounts state figure was $541.
Loss-of-rents planning in Boulder City
With median gross rent near $1,427 per month, twelve months of interrupted income in Boulder City comes to about $17,124 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
How old Boulder City's housing is, and why it matters
Boulder City's median home dates to about 1981. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
Boulder City's mix of rental buildings
About 72% of homes in Boulder City are single-family, so most local landlords insure one house at a time. A DP-3 form with liability and loss of rents is the usual starting point; our rental property insurance page explains the parts.
How Boulder City compares with nearby Nevada markets
Las Vegas has a renter share of 43% with homes valued around $427,900 at the median. For comparison, Henderson comes in at 34% rented and $484,900 median value, with median rent of $1,824. For comparison, North Las Vegas comes in at 36% rented and $404,400 median value, with median rent of $1,705. Boulder City places 14 of 15 profiled Nevada cities by share of rented homes. Manufactured and mobile homes make up about 10% of Boulder City's housing, and many dwelling programs underwrite those separately. Roughly 9% of homes in Boulder City are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Boulder City weather exposures that affect landlord claims
Typical Nevada property risks such as monsoon flash flooding, which needs a separate flood policy and wildfire and smoke near the Sierra front affect owners in Boulder City and the rest of Clark County. Flood and earthquake are excluded from standard dwelling forms and need their own coverage.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Getting a landlord quote in Boulder City
- Prior carrier, expiration date, and five-year loss history
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- Street address in Boulder City and number of units
- Construction year plus the age of the roof
- Lease type and whether the unit is ever empty
- Any system updates, with years
Request a Boulder City landlord quote
Boulder City landlord insurance questions
What share of Boulder City homes are rentals?
About 22% of occupied homes in Boulder City, roughly 1,456 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Boulder City landlords have to carry insurance?
Nevada law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
How much does landlord insurance cost in Boulder City?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Nevada dwelling-fire average of $541; see our Nevada page for the full table.
More landlord pages near Boulder City
Landlord insurance in Nevada · Cost by state
Last updated October 15, 2026. Sources and method: how we research.