Prices can differ from one extreme to the other for premiums within Nevada from city to city. When we look at the average cost of homeowners insurance in Nevada we see that it stands at around, $1150 a year, or about $107 a month. This price puts homeowners insurance rates in Nevada as one of the best in the country. Even so, rates will vary from one area to another. Several of the reasons on how much is homeowners insurance in Nevada is based on the value of your home. A small $100,000 home in the country will cost much less than a $400,000 home with a swimming pool. This is because insurance is made to replace your home and possessions if you lose them in a disaster. The higher cost of replacement, the higher premiums. The types of coverages you have play a large part in pricing. As mentioned the rates on the $400,000 home will not only cost more because it is worth more but insuring a home with a pool, usually costs more due to higher risks of liability in injury. Another reason for price differences is the area and city you live in. Let’s take a look at the differences in prices around Nevada and how much a few miles difference can make. Most Expensive Premium in the state: $1400 Least Expensive Premium in the state: $900 Most Expensive City for Homeowners Insurance: Las Vegas Least Expensive City for Homeowners Insurance: Carson