Life Insurance Agencies in Nevada

Nevada at a glance

• 155life insurance agencies listed
• 40%of households rentRenters insurance
• $435,400median home valueHome insurance
• 1996median year homes were builtRebuild cost calculator
• 7%of households have no carAuto insurance
• 5.2%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Nevada

How many of Nevada’s 17 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Winter weather6 of 17 counties

  Very High in Washoe County.

• Wildfire4 of 17 counties

  Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.

  Home insurance in Nevada
• Lightning3 of 17 counties

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Nevada
• Inland flooding2 of 17 counties

  Very High in Clark County.

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state
• Earthquake2 of 17 counties

  Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.

  Earthquake insurance in every state
• Hail1 of 17 counties

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Nevada

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Nevada

Nevada requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20. A combined single limit of $70,000 is accepted instead.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in NevadaHow much liability cover do you need?

Source: epubs.nsla.nv.gov, limits in force since 2018-07-01. Checked 2026-10-24.