How much is homeowners insurance in Mesquite,NV

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In Mesquite, homeowners pay an average annual rate of $1,478 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,104 less than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Mesquite, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Mesquite, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Mesquite.

Key takeaways

The cost of your homeowners insurance policy in Mesquite can vary based on factors such as your location, the value of your home, and the coverage options you select.
Nationwide is the cheapest homeowners insurance company in Mesquite with an average annual premium of $1,170.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $390 more, annually for home insurance.

How much is homeowners insurance in Mesquite per month

According to Insure.com’s rate analysis, residents of Mesquite pay an average of $123 per month for homeowners insurance. This is $3 more than the state average of $120 and $92 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Mesquite can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Mesquite

In Mesquite, NV, homeowners pay an average of $1,088 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Mesquite

Based on a rate analysis conducted by Insure.com, Mesquite residents pay an average of $1,478 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $390 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Mesquite by company

After evaluating several carriers, Nationwide is the least expensive homeowners insurance provider in Mesquite. It’s average annual rate for homeowners in Mesquite is $1,170.

State Farm holds the second position, while American Family secures the third spot with an average annual home insurance rate of $1,490.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Mesquite and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Mesquite and their average annual premiums.

Home insurance company	Annual rate
Nationwide	$1,170
State Farm	$1,296
American Family	$1,490
CSAA Insurance (AAA)	$1,641
Country Financial	$1,791
Farmers	$1,938
USAA*	$1,178

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Mesquite for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.