How much is homeowners insurance in West Wendover, 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 West Wendover is $1,426 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,156 less than the national average of $2,582.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in West Wendover 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 West Wendover with an average annual premium of $1,103 per year.

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

How much is homeowners insurance in West Wendover per month

According to our rate analysis, homeowners in West Wendover pay an average of $119 per month. It’s just $1 less than the state average of $120 and $96 less than the national average for home insurance across the United States.

In West Wendover, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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

The average cost of homeowners insurance in West Wendover, NV is $1,059 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

As per rate analysis by Insure.com, homeowners residing in West Wendover typically pay an average of $1,426 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 $367 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 West Wendover by company

Among the carriers analyzed, Nationwide is the most affordable homeowners insurance company in West Wendover. It’s average annual rate for homeowners in West Wendover is $1,103, while American Family ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in West Wendover and compiled a list of the most affordable home insurance companies.

Below are details of West Wendover home insurance companies and their average annual premiums.

Common natural disasters in Nevada that may affect home insurance

Natural disasters can happen unexpectedly and cause serious damage to your home and belongings. It’s important to know these risks so you can make sure your home insurance covers you properly if something happens.

Heat wave is the common natural disasters in Nevada that could affect your home insurance costs.

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 West Wendover 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.

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

How to prevent tornado damage By Ashlee Tilford

Does homeowners insurance cover code upgrades? By Nupur Gambhir

Mobile home insurance cost and coverage in 2025 By Chris Kissell

Homeowners insurance rates by state in 2025 By Jake Safane

The 10 costliest wildfires By Zack Sigel

How to prepare for a hurricane By Kara McGinley