How much is homeowners insurance in Pahrump, NV

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Pahrump is $1,439 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,143 less than the national average of $2,582.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Pahrump depend on several factors, including:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

Nationwide is the cheapest homeowners insurance company in Pahrump with an average annual premium of $1,125 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Pahrump. Keep reading to learn about the monthly cost of homeowners insurance in Pahrump, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Pahrump.

How much is homeowners insurance in Pahrump per month

Residents of Pahrump pay an average of $120 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s same as the state average of $120 and $95 less than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Pahrump may change based on location, property value, and selected coverage options.

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

In Pahrump, NV, homeowners pay an average of $1,067 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

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

As per rate analysis by Insure.com, homeowners residing in Pahrump typically pay an average of $1,439 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $372 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Pahrump by company

After evaluating several carriers, Nationwide is the least expensive homeowners insurance provider in Pahrump. It’s average annual rate for homeowners in Pahrump is $1,125, while State Farm holds the second position.

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

Common natural disasters in Nevada that may affect home insurance

Living in Nevada comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

Heat wave is the most common natural disasters in Nevada that could impact your home insurance rates.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are often excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance helps pay for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Methodology

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

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

Related Articles

The 10 costliest wildfires By Zack Sigel

How to prepare for a hurricane By Kara McGinley

Best renters insurance companies in 2025 By Chris Kissell

Cheapest homeowners insurance in 2025 By Chris Kissell

Best flood insurance companies in 2025 By Jake Safane

How much does renters insurance cost in 2025? By Jackie Lam