Protect Your Nevada Home

Your home is likely your biggest investment. We offer comprehensive homeowners insurance that protects your dwelling, personal property, and liability. Family Insurance LLC writes home insurance across Nevada, Utah and Minnesota, comparing 10+ A-rated carriers. Call (702) 764-9951 for a quote.

Coverage	Home Insurance
Category	Personal Insurance
States available	Nevada, Utah, Minnesota
Who it's for	Homeowners in Las Vegas and surrounding areas; New home buyers; Property owners with mortgages
Carriers shopped	10+ A-rated carriers
Phone	(702) 764-9951

Overview

Homeownership in Las Vegas comes with unique exposures — from extreme heat that stresses roofing and HVAC systems to flash floods that most standard policies don't cover. A properly structured homeowners policy shields you from these risks and keeps your mortgage lender satisfied.

Nevada doesn't legally require homeowners insurance, but virtually every mortgage lender does. Even if you own your home outright, going without coverage means one fire, burst pipe, or lawsuit could wipe out years of equity.

Family Insurance works with national and regional carriers to build policies that match your home's replacement cost, your personal property value, and your liability exposure — all at competitive premiums.

Who needs this coverage

• Homeowners in Las Vegas and surrounding areas
• New home buyers
• Property owners with mortgages
• Homeowners seeking better rates

What's included

• Dwelling and structure coverage
• Personal property protection
• Liability and medical payments
• Additional living expenses coverage

Coverage details

• Dwelling Coverage: Pays to repair or rebuild your home's structure after covered damage like fire, wind, or vandalism.
• Personal Property: Covers your belongings — furniture, electronics, clothing — up to your policy limit, even away from home.
• Liability Protection: Protects you if someone is injured on your property or you accidentally damage someone else's property.
• Additional Living Expenses: Covers hotel, meals, and other costs if your home is uninhabitable after a covered loss.
• Other Structures: Covers detached garages, fences, sheds, and pool enclosures on your property.
• Medical Payments: Pays minor medical bills for guests injured on your property, regardless of fault.

Common endorsements

• Scheduled personal property
• Water backup coverage
• Home business endorsement

Frequently asked questions

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude flood damage. Las Vegas is in a flash-flood zone, so we strongly recommend a separate flood policy through the NFIP or a private carrier.

How is my home's replacement cost determined?

We use a replacement-cost estimator that factors in square footage, construction type, finishes, and local building costs — not the market value or purchase price of your home.

Are pools covered under homeowners insurance?

Yes, your pool structure is covered under 'other structures.' However, pool-related injuries increase liability exposure, so we often recommend higher liability limits or an umbrella policy.

What discounts are available?

Bundling with auto, installing a security system, having a newer roof, and being claims-free can all lower your premium significantly.

Family Insurance LLC · 7318 West Post Rd Ste 202B, Las Vegas, NV 89118 · (702) 764-9951 · info@familyinsurancellc.com