Protect the heart of your home.

There's no place like home in Nevada. Learn how a House & Home® policy can help protect you where you live.

What coverage is required in your state?

See coverage details in your state.

Types of coverage

Take a closer look at what's usually covered by a House & Home policy in Nevada.

Dwelling coverage
Protects the structure of your house, such as the roof and walls

Personal property coverage
Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house

Other structures
Protects the physical structure of buildings on your property separate from your home, such as a detached garage

Liability protection
Defends and protects you if a person sues you after being injured on your property or after you damage their property

Guest medical protection
Pays medical expenses for someone who's injured on your property

Additional living expenses protection
Covers increased expenses if your home is uninhabitable after a covered loss

Additional features

Only Allstate offers all three unique features¹ that work together to help protect you and save you money, whether or not you have a claim.
  • Claim RateGuard®

    Helps keep your rate from increasing just because you file a home insurance claim²
  • Claim-Free Rewards

    Gives you a discount for switching to Allstate without any recent claims, plus 5% back for every year you don't have a claim
  • Deductible Rewards

    Gives you $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim — up to $500³

Additional optional coverage

You might want to add optional coverages to your House & Home policy to protect some special items in and around your home.

  • Enhanced personal property

    Helps protect your personal property for any reason unless specifically limited or excluded.
  • Functional replacement cost

    If your home is built prior to 1940, you have the ability to select common or standard construction type replacement materials instead of original to help lower your premiums.
  • Service lines

    Provides coverage for the cost associated with excavation, replacement and repairs when there is damage to a service line — such as drainage or electrical — on your property.
  • HostAdvantage

    Provides coverage and enhances protection for your personal property if it is stolen or damaged by temporary renters.

Get access to home insurance discounts.

Learn about opportunities to save on homeowners insurance in Nevada.

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