Right-size your deductible
Biggest lever
Raising your deductible from $1,000 to $2,500 can meaningfully cut your premium. We model the breakeven so you keep a number you could comfortably pay.
Las Vegas · Home insurance · 2026
Home insurance —what drives the cost.
Replacement cost. Deductibles. Smart coverage.
Your premium is driven by your home’s replacement cost, your deductible, and your coverage limits — not its market value. Here is the honest 2026 breakdown for Las Vegas, Henderson, and North Las Vegas homeowners, and how to lower it without underinsuring.
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Plain-English basics
Terms worth knowing before you compare
A better coverage decision starts with a few simple definitions. These are the words people most often ask us to explain before they choose a path.
- Premium
- The price you pay for an insurance policy, usually monthly, semiannually, or annually.
- Deductible
- The amount you pay out of pocket on a covered claim before the policy pays its part.
- Dwelling limit
- The part of a home policy meant to insure the structure of the house itself.
- Replacement cost
- A coverage basis that looks at the cost to repair or replace with similar new materials, subject to policy terms.
This is general education, not a final approval or binding quote. The right answer comes from a full insurance quote with your actual details.
Home insurance cost in Las Vegas depends on your home's replacement cost (not market value), roof age, construction type, deductible, and claims history. Illustrative ranges for a typical Las Vegas home run roughly $900--$2,400 per year for standard coverage -- not a quote. Nevada AB 376 (effective January 1, 2026) now lets a property insurer exclude the peril of wildfire from a policy, so read the perils list before you compare premiums. Valley West Insurance (NV DOI #3892145) shops Nevada-admitted carriers. Updated July 2026.
Valley West Insurance · NV DOI #3892145 · Vatche Saatdjian · Updated July 2026
Related: homeowners insurance Las Vegas pillar · home insurance Henderson NV
The short answer
In Las Vegas, your home insurance premium is driven mostly by your home’s replacement cost, your deductible, and your coverage limits — not its market value. Lowering cost is possible, but the goal is a smarter policy, not a weaker one.
Get my home insurance quoteUpdated July 23, 2026 · Reviewed by Valley West Insurance · NV DOI #3892145
Replacement cost rulesInsure to rebuild cost, not market value.
Deductible is a leverHigher deductible, lower premium — a trade-off.
Bundling can saveHome + auto often saves 5–25% (estimate; varies by carrier and risk profile; never guaranteed).
Re-shop every ~3 yearsPremiums drift — a review can catch better fit.
The honest breakdown
What actually drives your Las Vegas premium
Your home insurance premium is built mostly from three things — your home's replacement cost, your deductible, and your claims and risk profile. Understanding each is how Las Vegas homeowners lower their cost without quietly underinsuring. You can work through those three inputs for your own home and see which one is doing the most.
"All homeowners insurance policies cover the structure of the home, including attached structures, fixtures and built-in appliances."National Association of Insurance Commissioners -- content.naic.org
Coverage A
Replacement cost, not market value
Your dwelling limit is built to rebuild your home at today's Las Vegas labor and material costs — not its market price or what you paid. Underinsuring here is the most common and costly gap.
Your choice
Your deductible
What you pay out of pocket per claim. A higher deductible lowers your premium but raises your risk — we model the breakeven so you pick a number you’re comfortable with.
Risk factors
Claims & home profile
Roof age, build year, claims history, and distance to a fire station all move your Nevada premium. A review catches limits that quietly drifted out of date.
Nevada market
Wildfire & non-renewals
In higher-risk wildland-urban areas some carriers have tightened or non-renewed policies. Shopping Nevada-admitted carriers — and documenting defensible space — keeps you covered without overpaying.
Multi-policy
Bundle home + auto
Insuring your home and vehicles with one Nevada carrier usually earns a multi-policy discount and one renewal to manage. We compare bundled vs. separate so you keep the lower total.
What moves a Las Vegas premium
| Cost driver | Impact | You control it? |
|---|---|---|
| Dwelling replacement cost | Largest | Partly |
| Deductible | ~14% swing | Yes |
| Coverage level & endorsements | High | Yes |
| Claims history & roof age | High | Over time |
Estimates only — not a quote or binding of coverage. Premiums and eligibility are determined by underwriting and carrier guidelines. Nevada minimum auto liability is 25/50/20 per NRS. Valley West Insurance · NV DOI #3892145.
See your real premium drivers
A quick local review checks your replacement cost, deductible, and bundle options across Nevada-admitted carriers.
Worked Las Vegas example
A $425,000 Las Vegas home, insured two ways
The same home with a $1,000 vs a $2,500 deductible. Estimates only — your actual price depends on underwriting and carrier selection.
$1,000 deductible
Dwelling coverage$425,000
Personal property50% of dwelling
Liability$300,000
Deductible$1,000
Loss of useIncluded
Est. annual premium$1,488
Est. monthly$124
$2,500 deductible
Dwelling coverage$425,000
Personal property50% of dwelling
Liability$300,000
Deductible$2,500
Loss of useIncluded
Est. annual premium$1,284
Est. monthly$107
What the higher deductible saves
~$204/yr
lower premium at $2,500 deductible
A higher deductible lowers your premium, but you pay more out of pocket on a claim. The right number balances monthly savings against what you could comfortably cover. We model the breakeven with you.
Want this run on your real home?
We shop Nevada-admitted carriers for your exact replacement cost, deductible, and coverage — for any Las Vegas, Henderson, or North Las Vegas home.
Estimates only — not a quote or binding of coverage. Premiums and eligibility are determined by underwriting and carrier guidelines. Figures are illustrative for a typical Las Vegas home. Valley West Insurance · NV DOI #3892145.
The honest picture
What actually moves your premium.
For a typical $425,000 Las Vegas home, here's how your premium breaks down, how deductible changes it, and where coverage gaps hide.
Where your premium goes$425k Las Vegas home
$425kcovered
Dwelling & structure62%
Liability & contents24%
Loss of use & add-ons14%
Insure to replacement cost, not market value.
Cash to close by loan typesame $478k home
A higher deductible lowers your monthly premium — balanced against your out-of-pocket on a claim.
Coverage accuracyin an illustrative scenario (not a statistical survey)
Under-insured ~42%Correct ~30%Over-paying ~28%
A review often finds homes under-insured on the dwelling limit as build costs rise — the most common gap.
Want your real quote?
A quick local review checks your replacement cost, deductible, and bundle options across Nevada-admitted carriers.
Not a quote, offer, or binding of coverage. Coverage subject to underwriting and carrier guidelines. NV DOI #3892145.How to pay less
Six ways Las Vegas homeowners lower their premium
Lower your cost the smart way — deductible, replacement cost, bundling, and discounts — without stripping coverage you actually need. Here’s how Las Vegas homeowners pay less and stay protected.
Review replacement cost
Right coverage
Insure to rebuild cost, not market value — paying for neither too little nor too much. We run a replacement-cost estimate before quoting.
Bundle home + auto
5–25% est.
Combining home and auto with one carrier typically saves a meaningful amount. Savings vary by carrier and are never guaranteed — we compare both ways.
Re-shop before renewal
Catch drift
If it's been about three years, comparing carriers often helps. Premiums drift, and a review can catch better-fit coverage before renewal.
Stack safe discounts
Easy wins
New roof, security system, and claims-free discounts add up. We make sure you get credit for every discount you qualify for.
Review your limits
Local agency
As a local independent agency we shop Nevada-admitted carriers and check your liability and contents limits -- so you get the right coverage, not a stripped-down line that leaves gaps.
What not to do
Don't lower your premium by stripping coverage you may actually need. A lower-priced policy is not the right policy if it leaves gaps -- a local review balances cost against real protection.
Want a plan to lower your premium?
We'll check your replacement cost, deductible, and bundle options against Nevada-admitted carriers — no obligation, coverage subject to underwriting.
What factors drive home insurance premiums in Las Vegas?
The single biggest factor in Las Vegas home insurance cost is your home's replacement cost -- what it would take to rebuild at today's construction prices -- not its market value or purchase price.
| Factor | Impact on premium | Las Vegas notes |
|---|---|---|
| Replacement cost | Highest | High construction costs in Clark County; recalculate annually |
| Roof age and material | High | Tile and flat roofs age differently; carriers scrutinize roofs over 15 years |
| Deductible amount | High | Higher deductible = lower premium; must be affordable at claim time |
| Home construction type | Moderate | Frame vs. masonry affects fire and wind rating |
| Claims history | Moderate | Prior claims (even not your fault) can raise premiums |
| Proximity to wildfire brush | Moderate | WUI designation matters post-AB 376 |
| Bundling auto with home | Moderate savings | Multi-policy discount; varies by carrier |
Source: Insurance Information Institute (III); Nevada Division of Insurance consumer guidance. Ranges are illustrative, not quotes.
How does Nevada AB 376 affect home insurance cost in Las Vegas?
Nevada AB 376 does the opposite of what its reputation suggests: Section 25.1, effective January 1, 2026, expressly authorizes a property insurer to exclude the peril of wildfire from a policy, and to issue a policy that solely covers wildfire on a standalone basis or coordinated with one that excludes it. It is a permission granted to carriers, not a protection handed to homeowners -- which makes it a line item to check on your own policy, especially in Las Vegas Valley WUI areas like Summerlin, Mountain's Edge, and Rhodes Ranch. Our AB 376 wildfire-exclusion explainer goes section by section.
“An insurer that issues a policy of property insurance may exclude the peril of wildfire from the coverage provided under the policy.”
— Nevada Assembly Bill No. 376 (83rd Session, 2025), Sec. 25.1 — archive.leg.state.nv.us/Session/83rd2025/Bills/AB/AB376_EN.pdf
WUI stands for Wildland-Urban Interface -- areas where developed neighborhoods meet or intermix with undeveloped desert brush. In the Las Vegas Valley, communities near open desert and mountain terrain (portions of Summerlin, the southwest valley, Mountain's Edge, and similar areas) can carry a WUI designation that affects how carriers underwrite and price homeowners policies. Since January 1, 2026 a carrier writing in those areas may lawfully attach a wildfire exclusion endorsement rather than simply pricing the risk in -- so the cost of a WUI address can now show up as missing coverage instead of a higher premium. Some carriers have also moved to separate, higher wildfire deductibles. Nothing in AB 376 removes wildfire from your policy automatically; it only becomes legal for your carrier to do so, and only if the endorsement is actually written in.
What homeowners should do now: read the perils section of your declarations page for a wildfire exclusion or endorsement, and ask whether a separate wildfire deductible applies -- that is a different number from your all-other-perils deductible. Ask whether the carrier offers a coordinated wildfire-only policy alongside an excluding policy, which Section 25.1 now allows. Separately from AB 376, Nevada's notice rules still govern the policy itself: NRS 687B.340 requires at least 30 days' notice of intent not to renew a personal policy, and NRS 687B.310(6) requires that notice to state the effective date and the specific reasons. If you receive one, act before the expiration date -- replacement coverage must be bound before the old policy ends. Valley West Insurance can review your current policy, identify gaps, and shop Nevada-admitted carriers for alternatives. NV DOI #3892145.
Sources: Nevada Legislature, AB 376 (83rd Session, 2025), Sec. 25.1 and Sec. 27; NRS Chapter 687B. General information about Nevada statutes, not legal advice.
What is the difference between replacement cost and actual cash value for Las Vegas homes?
Replacement cost value (RCV) pays to rebuild your home at today's prices with no depreciation; actual cash value (ACV) subtracts depreciation, which can leave you significantly short -- especially on older Las Vegas homes where roofs and systems have depreciated. See our full breakdown of why older homes cost more to insure for the wiring, plumbing, and roof factors carriers weigh most.
| Settlement basis | What you receive | Risk if underinsured |
|---|---|---|
| Replacement Cost Value (RCV) | Full rebuild cost, no depreciation | Lower risk -- rebuild to current standards |
| Actual Cash Value (ACV) | Rebuild cost minus depreciation | Can leave gaps, especially on older homes |
| Extended replacement cost | 120--150% of dwelling limit | Buffer for construction cost spikes |
Most mortgage lenders require replacement cost coverage, and it is the standard recommendation for Las Vegas homeowners. Construction costs in Clark County have risen sharply -- a replacement cost estimate from a few years ago may no longer cover a full rebuild. Valley West Insurance runs a current replacement cost estimate before quoting to make sure your dwelling limit reflects today's labor and material prices in Las Vegas.
For context on homeowners insurance types in Las Vegas (HO-3, HO-5, HO-6), see our homeowners insurance Las Vegas guide. If you own an investment property, see our page on landlord insurance for Las Vegas investment properties. Henderson homeowners can also review home insurance in Henderson, NV.
If you are financing the purchase, your lender will require proof of insurance at closing, and the first year of premium is usually collected up front and then billed through escrow. Our guide to property taxes, home insurance and escrow in Las Vegas explains how that changes your monthly number.
Source: Insurance Information Institute (III).
Local guidance
Get local guidance before you renew or buy
A national 1-800 quote line reads from a script. A local Las Vegas agency knows Clark County rebuild costs, Nevada carrier appetite, heat and HVAC factors, and which Nevada-admitted carriers fit your home. That context is the difference between a generic estimate and the right policy.
Compare coverage with local guidance
Tell us what you're insuring and a Valley West Insurance agent can help compare options based on your home, vehicle, family, or business needs — real replacement cost, real carriers, real numbers.
Get my home insurance quote No obligation. Secure online start. Options subject to approval. NV DOI #3892145.
Across the valley · 2026
Home insurance across the Las Vegas valley
Rebuild cost, roof age, and local risk vary across Clark County — so does your premium. From North Las Vegas to Summerlin, here's what shapes home insurance in each Las Vegas-area market, and how a local agency shops Nevada-admitted carriers for it.
Las Vegas · valley-wide
Established homes
Older central Las Vegas homes can have aging roofs and systems that raise premiums. A replacement-cost review and the right deductible keep coverage strong and the price fair.
North Las Vegas · entry
Newer builds
North Las Vegas has many newer homes — newer roofs and systems often mean lower premiums. We make sure your dwelling limit keeps pace with rising rebuild costs.
Henderson · premium
Higher values
Henderson’s higher home values mean higher rebuild costs and often more contents and liability to protect. We right-size limits and shop carriers that fit the market.
Summerlin · higher balance
Premium homes
Summerlin’s premium homes often need higher dwelling and liability limits, and may benefit from an umbrella policy. We tailor coverage to higher-value properties.
Clark County · the picture
Local risk factors
Heat, HVAC load, and HOA requirements shape Clark County coverage. A local Las Vegas insurance agency shops Nevada-admitted carriers countywide, from Boulder City to Centennial Hills.
Bundles & business · more to protect
One conversation
Many Las Vegas households bundle home, auto, and life — and local business owners need coverage too. One local agent can review and shop all of it for you.
Not sure what your home should cost to insure?
A Nevada insurance review checks your replacement cost, deductible, and bundle options for any Las Vegas, Henderson, North Las Vegas, or Summerlin home — across Nevada-admitted carriers.
Avoid these
Four mistakes that cost Las Vegas homeowners
01
Stripping coverage to cut the premium
Cutting liability or dwelling limits to save a few dollars can leave a real gap. Lower cost the smart way — deductible, bundle, discounts — not by underinsuring.
Risky
02
Insuring to market value
Market value isn't rebuild cost. Insuring to the wrong number means you're either over-paying or under-covered. We run a replacement-cost estimate first.
Get it right
03
Never re-shopping your policy
Premiums drift over the years. Going a long time without comparing carriers often means quietly overpaying — a review near renewal can catch it. Nevada's Bulletin 25-005 flex-rated filing rule also makes small rate increases easier for carriers to file starting in 2026.
Re-shop
04
Treating an online quote as binding
An online estimate isn't a bound policy. Your real premium and eligibility come from underwriting — request a real quote and confirm before you rely on coverage.
Confirm it
Your next steps
From quote to covered, step by step
Step 1
Review your coverage
Tell us about your home, what you want to protect, and your current policy if you have one. We check your replacement cost and limits.
Step 2
Set your replacement cost
We estimate what it would cost to rebuild your Las Vegas home at today’s labor and material prices, so your dwelling limit (Coverage A) is right — not guessed.
Step 3
Compare options
We shop Nevada-admitted carriers and compare coverage, deductible, and bundle scenarios so you see real choices, not one quote.
Step 4
Choose your deductible
Pick a deductible you’re comfortable paying out of pocket. We model the premium tradeoff so you balance monthly cost against real protection.
Step 5
Get a real quote
A real, carrier-underwritten quote from a local Las Vegas agency — confirm coverage before you bind, with no pressure and no obligation.
Step 6
Bind and review yearly
Bind coverage with confidence, then we re-check your replacement cost and discounts each renewal so your policy never drifts out of date.
Ready when you are
Compare coverage with a local agency and see what your home should really cost to insure — no obligation.
What drives home insurance costs in Las Vegas?
Home insurance premiums in Las Vegas are based on replacement cost — what it would cost to rebuild your home from scratch — not its market value. Key cost drivers include:
| Cost factor | Impact on Las Vegas premiums |
|---|---|
| Rebuild / replacement cost | Higher rebuild costs (labor, materials) increase dwelling coverage and premium |
| Roof age and material | Older roofs and tile vs. composition shingle affect underwriting significantly |
| Wildfire / WUI exposure | Homes near Spring Mountains, Summerlin, Henderson hillsides face higher premiums or restricted coverage under AB 376 (2026) |
| Deductible | Higher deductible typically lowers premium; some carriers use wind/hail separate deductibles |
| Claims history | Prior claims — especially water damage or hail — raise premiums or cause non-renewal |
Premium figures are illustrative only and not a quote or binding offer. Source: Valley West Insurance agency assessment, 2026.
How does Nevada AB 376 (2026) affect home insurance costs?
Nevada AB 376, effective January 1, 2026, changed what a carrier is allowed to leave out, not what it owes you. Section 25.1 authorizes a property insurer to exclude the peril of wildfire from a policy, and to sell a wildfire-only policy alongside or instead. For a household budget that means a renewal quote in a WUI-adjacent ZIP code can come in lower simply because the wildfire peril is no longer inside it — so compare the perils list, not only the premium.
For cost purposes: homeowners near wildfire-risk areas (Spring Mountains, McCullough Range, Henderson eastern hills, Summerlin edge) may see higher premiums, a wildfire exclusion endorsement, or a non-renewal notice. Valley West Insurance (NV DOI #3892145) shops multiple Nevada-admitted carriers and can identify which carriers remain active in higher-risk ZIP codes. Source: Nevada Legislature, AB 376 (83rd Session, 2025), Sec. 25.1. See our full Nevada home insurance and AB 376 original-data report (2026) for premium tables, non-renewal context, and AB 376 coverage gap analysis.
Replacement cost vs. actual cash value — which should Las Vegas homeowners choose?
Replacement cost coverage (RCV) pays to rebuild your home to its original condition without deducting depreciation. Actual cash value (ACV) deducts depreciation — a 10-year-old roof with ACV coverage might pay out far less than what a new roof costs. In Las Vegas, where construction costs have risen significantly, RCV coverage is almost always the better choice despite the higher premium. Most mortgage lenders require it.
Valley West Insurance is a licensed Nevada insurance producer (NV DOI #3892145), not an insurer. Coverage availability and terms vary by carrier and underwriting.
Frequently asked
Home insurance cost, answered.
What drives home insurance cost in Las Vegas?
Your premium is driven mostly by your home's replacement cost, coverage limits and deductible, and your claims history. Roof age, build year, and distance to a fire station also factor in — and market value is not the same as replacement cost.
How much home insurance do I need in Las Vegas?
Enough to rebuild your home at today's construction costs — replacement cost, not market value. We run a replacement-cost estimate before quoting so you are neither under- nor over-insured.
Will a higher deductible lower my premium?
Generally yes — a higher per-claim deductible lowers the annual premium but raises what you pay out of pocket on a claim. We model the trade-off so you choose a number you're comfortable with.
How much can bundling home and auto save?
Multi-policy discounts typically range from 5 to 25 percent depending on the carrier and your profile. It's an estimate, never a guarantee — we compare bundled versus separate across Nevada-admitted carriers.
When should I re-shop my home insurance?
If it's been about three years or more since your last review, comparing options often helps. Premiums drift, and a review can catch better-fit coverage before renewal or closing. See our 2026 Las Vegas home insurance market outlook for what is driving premiums in Clark County this year.
Is an online estimate the same as a quote?
No. An online estimate is illustrative; a real quote and your eligibility come from carrier underwriting. Coverage is not active until a policy is properly bound.
Does my home's market value or replacement cost set my insurance coverage?
Your policy is based on your home's replacement cost -- what it would cost to rebuild at today's labor and materials prices -- not its market value or what you paid. In Las Vegas, replacement costs can differ significantly from market values, so it is worth getting a replacement-cost estimate.
Does bundling home and auto really lower my Las Vegas insurance cost?
Most Nevada-admitted carriers offer a multi-policy discount when you insure home and auto together. The discount varies by carrier and household profile. Valley West Insurance (NV DOI #3892145) can compare bundled and separate quotes side by side. Figures are estimates, not a binding offer.
What is a separate wildfire deductible, and do Las Vegas homes need one?
Some carriers apply a separate, higher deductible specifically for wildfire claims -- separate from your standard deductible. In Las Vegas Valley WUI areas (communities near desert brush like parts of Summerlin or Mountain's Edge), this is worth asking about now that Nevada AB 376 (effective January 1, 2026) allows a Nevada property insurer to exclude the peril of wildfire from a policy entirely. Source: Nevada Legislature AB 376 (83rd Session, 2025), Sec. 25.1.
What does home insurance cost in Las Vegas in 2026?
Home insurance in Las Vegas typically ranges from $900 to $2,400 per year for a standard HO-3 policy, depending on your home's rebuild cost, roof age, deductible, and wildfire exposure. Since January 1, 2026, Nevada AB 376 has also allowed carriers to exclude the peril of wildfire near WUI zones, so two renewal offers can differ on coverage as well as on price. These are illustrative estimates -- not a quote or binding offer. Valley West Insurance (NV DOI #3892145) shops Nevada-admitted carriers.
How does Nevada AB 376 affect home insurance premiums in 2026?
Nevada AB 376 (83rd Session, 2025), effective January 1, 2026, is not a wildfire consumer protection. Section 25.1 authorizes an insurer that issues a policy of property insurance to exclude the peril of wildfire from that policy, and to issue a policy that solely covers wildfire, standalone or coordinated with a policy that excludes it. It does not require any carrier to exclude wildfire. For cost purposes that means a renewal in a WUI-adjacent Las Vegas ZIP code can come in lower simply because the wildfire peril was removed, so read the perils list alongside the premium. Source: Nevada Legislature, AB 376 (83rd Session, 2025), Sec. 25.1.
What is the difference between replacement cost and actual cash value for Las Vegas home insurance?
Replacement cost (RCV) pays to rebuild your home to its original standard without depreciation deduction. Actual cash value (ACV) deducts for age and wear -- so an older roof pays out less. RCV costs more but is the standard recommendation for Las Vegas homeowners, especially given rising construction costs. Most lenders require RCV.
How can I lower my home insurance cost in Las Vegas?
Strategies to lower Las Vegas home insurance costs include: increasing your deductible, bundling home and auto with the same carrier, updating your roof, adding security systems, and shopping multiple carriers through an independent agent. Valley West Insurance (NV DOI #3892145) shops Nevada-admitted carriers to compare options. Savings are not guaranteed and depend on your specific profile.
Does flood add to home insurance cost in Las Vegas?
Flood coverage is typically NOT included in a standard HO-3 homeowners policy and is purchased separately through the National Flood Insurance Program (NFIP) or private flood market. Las Vegas homeowners in flash-flood-prone areas (including some Henderson and North Las Vegas ZIP codes) should consider separate flood coverage, which adds to the total insurance cost.
What does home insurance for a condo cost in Las Vegas?
Condo insurance (HO-6) in Las Vegas covers your unit interior, personal property, and liability. It typically costs less than a full HO-3 homeowners policy because the building shell is covered by the condo association's master policy. Premiums vary by unit size, location, and HOA master policy type. Estimates are not a quote.
Methodology: premium figures are illustrative for a typical Las Vegas / Clark County home based on deductible and coverage assumptions; Nevada minimum auto liability is 25/50/20 per NRS. Estimates only — not a quote or binding of coverage; premiums and eligibility are determined by underwriting and carrier guidelines. Reviewed by Valley West Insurance · NV DOI #3892145 · Updated July 23, 2026.
Your coverage is
waiting to be used.
One conversation. One local agency shopping Nevada-admitted carriers — the right coverage for your home, auto, and life.
Sources cited
- Nevada Legislature — AB 376 (83rd Session, 2025), enrolled bill, Sec. 25.1 (wildfire exclusion) and Sec. 27 (effective dates)
- Nevada Revised Statutes Chapter 687B — NRS 687B.320 (midterm cancellation notice) and NRS 687B.340 (nonrenewal notice)
- Nevada Division of Insurance — Licensing (NV DOI #3892145)
- FEMA — Flood Map Service Center (NFIP flood maps)