Home Insurance in California, Nevada, and Arizona
Your home is your greatest asset. Let us ensure that it’s protected. Whether you’re in a condo, townhome, or single-family home, we have great rates. We specialize in multiple properties and vacation home coverage.
Owning property in multiple states can double your fun—but also increase your insurance challenges. If your main home is in one state and you also own property in another, here’s a guide to make sense of the insurance landscape. Let’s explore costs, risks, and smart strategies.
How Rates Compare Across the Three States
| State | Single Family Home Insurance | Condo Insurance | Vacation Home Insurance |
|---|---|---|---|
| Nevada | $1,079 | $650 | $1,386 |
| California | $1,435 | $825 | $2,019 |
| Arizona | $2,292 | $860 | $2,222 |
Fast takeaway: California and Nevada are significantly more affordable than the national average, while Arizona sits close to the typical U.S. homeowner.
Why Home Insurance Is Trending Up
Over the last five years, homeowner’s insurance has increased about 13% nationwide, partially due to natural disasters and reinsurance costs.
In our region, wildfires are a significant risk factor across most western states. Especially for vacation homes, which may be in scenic, more remote, heavily forested areas, you have multiple risk factors for your property. We’re experts at finding ways to minimize the impact of these risks on your quote.
Flooding can be an issue, especially for the coastal states. Certain regions of California have additional challenges, like mudslides around Big Sur and earthquakes along the San Andreas fault.
Fortunately, we’re at very low risk of hurricane, major windstorm, and tornado damage.
As thousand-year storms become the storm of the decade, and wildfires stay rampant, insurance costs are likely to continue to rise.
Finally, as property values rise, so does the cost of home insurance. General inflation also contributes to increased costs. If it’s more expensive to repair your home, insurance will charge more to cover that.
Home Insurance For Every Situation
Rate Factors
While home insurance in general is rising, each form of insurance has its own influences.
Condo insurance is cheaper than single family home insurance because a significant portion of the risk is handled by the HOA or condo association. Because the HOA is responsible for the big-picture items like the roof, your rates are generally lower than a detached home.
Vacation homes, on the other hand, have higher premiums, reflecting slightly higher risk. You’re not in the home full-time, which means you can miss problems early on and have more damage.
Owners of multifamily homes can use different types of insurance to cover your risk. An expanded homeowner policy may be appropriate for a duplex, or you may want to look at commercial insurance instead. Talk to our agents to see what policy options work best for you.
Insuring Additional Properties
Secondary homes or condos require their own insurance policy. Whether you’re using the property for your own use or as a rental, you still want to protect your investment. Vacation homes may have higher premiums due to a variety of factors:
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