360 Insurance
6628 Sky Pointe Drive, Ste 119, Las Vegas, NV 89131
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6628 Sky Pointe Drive, Ste 119, Las Vegas, NV 89131
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7495 W Azure Dr, #201, Las Vegas, NV 89130
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7495 W Azure Dr 201, Las Vegas, NV 89130
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6290 S Rainbow Blvd, Las Vegas, NV 89118
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9555 Hillwood Drive, Suite 140, Las Vegas, NV 89134
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5532 S Fort Apache Rd, Ste 100, Las Vegas, NV 89148
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6135 S Rainbow Blvd, STE 110, Las Vegas, NV 89118
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4584 N Rancho Dr, Las Vegas, NV 89130
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10161 Park Run Dr., Ste. 150, Las Vegas, NV 89145
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1101 North Jones Boulevard, Apt 103, Las Vegas, NV 89108
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Learn about insurance coverage options specific to Las Vegas residents.
Las Vegas home insurance averages $1,410/year. Learn about flash flood risks, wildfire coverage challenges, and how to save on your policy in 2025.
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Home InsuranceLas Vegas flash floods strike fast during monsoon season. Learn why desert flooding is dangerous, what flood insurance covers, and how much it costs in Nevada.
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No, standard homeowners insurance does not cover flood damage, even from flash floods. Despite Las Vegas being in the desert, flash flooding is a real risk because the hard, dry soil can't absorb water quickly during sudden rainstorms. You need separate flood insurance through the National Flood Insurance Program or a private insurer to be covered for flood damage.
Las Vegas homeowners pay an average of $1,410 per year for home insurance, or about $118 per month. This is roughly $60 more than Nevada's state average but significantly below the national average. Your actual cost depends on factors like your home's value, location, age, construction type, credit score, and the coverage amounts you choose.
Yes, wildfire damage is typically covered under standard homeowners insurance policies in Nevada. However, insurers are increasingly declining to offer coverage or non-renewing policies in high-risk areas like Mount Charleston due to wildfire concerns. In 2023 alone, nearly 5,000 insurance applications were declined in Nevada due to wildfire risk.
Nevada currently does not have a FAIR Plan or government-backed insurer of last resort, which makes this a challenging situation. If you're denied coverage, you can work with an independent agent to find insurers still writing policies in your area, consider making wildfire mitigation improvements to your property, or explore surplus lines insurers. Legislation is being considered to create a Nevada FAIR Plan for homeowners who can't obtain standard coverage.
Yes, it's worth considering. About 20% of flood insurance claims come from areas considered low-risk for flooding. Flash floods can happen anywhere in Las Vegas, especially during sudden thunderstorms, and the relatively low cost of flood insurance in low-risk areas often makes it a worthwhile investment for the protection it provides.
The most effective strategies include bundling your home and auto insurance (saves 10-25%), increasing your deductible, installing security systems and monitoring devices, maintaining good credit, and shopping around with multiple insurers. If you're in wildfire-prone areas, creating defensible space and using fire-resistant materials can help you maintain coverage and potentially reduce premiums.
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