Las Vegas Homeowner Insurance

Next Generation Coverage Package

Next Generation offers coverage you won’t find in traditional Las Vegas Homeowner Insurance policies. It also offers higher limits on a wide range of personal property, including securities, manuscripts, watercraft and trailers.

We can nearly always save you money because Farmers has more discounts than any other company. Click here to see the available discounts for Las Vegas Homeowners Insurance Coverages.

Extra Homeowner property coverage in Las Vegas

With Farmers Next Generation Las Vegas Homeowner Insurance Package, your house and separate structures are covered for a wide range of damage, except for the common exclusions listed in your policy, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.

Your house and any attached structures, including wall-to-wall carpeting, are covered up to 125 percent of the limit you select. A code upgrade endorsement is available for an additional charge.

Even separate structures on your property, such as a detached garage or toolshed, are covered up to 10 percent of the coverage on your home. Separate structures used for business purposes are not covered in the basic policy, but may be insured for additional premium.

Are You a Secondary or Vacation Homeowner in Las Vegas?

Your Next Generation Las Vegas Homeowner Insurance policy covers your personal property, anywhere in the world, for up to 75 percent of the amount of coverage on your home. However, if your personal property is located at a secondary residence, such as a vacation home, the policy pays up to $1,000 or 10 percent of the on-premises coverage, whichever is greater.

Your personal property is covered for damages resulting from:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Damage to glass
  • Riot or civil commotion
  • Falling objects
  • Aircraft
  • Vehicles
  • Volcanic action
  • Smoke damage: sudden and accidental
  • Vandalism
  • Theft
  • Weight of ice, snow or sleet
  • Water or steam: sudden and accidental discharge of water andsteam from plumbing system or appliances
  • Bulging, cracking, and burning of steam-or hot-water-heating systems and water heaters
  • Artificially generated electrical current (this does not include loss to tubes, transistors or similar electronic components)
  • Freezing of plumbing, heating, air-conditioning system, appliance

Additional Las Vegas Homeowner Insurance Coverages

If you can’t live in your house after a covered loss, we cover the additional cost of meals, living in hotels, etc. Your coverage pays for up to 50 percent of the amount of insurance on your house as an additional coverage, with no deductible, for up to one year. This limit includes reimbursement of any loss of rents resulting from the rented portion of your house or property being unlivable.

Your coverage pays up to an additional 5 percent of the amount of coverage on your house and no more than $500 per item for loss by fire or lightning, explosion, riot or civil commotion, aircraft, vehicles not owned or operated by a family member, vandalism and theft.

Our Contents Replacement Cost coverage includes the cost of repair or replacement without deduction for depreciation. This additional coverage pays replacement cost if the insured repairs or replaces his or her damaged or destroyed personal property before he or she receives payment. Otherwise, covered loses will be settled at actual cash value, but not more than the policy limit. You pay extra for this coverage on other policies, but with Next Generation it’s provided at no additional charge.

Las Vegas Homeowner Insurance Liability Coverage

Your coverage pays for bodily injuries to other people or damage to their property (if you are liable) resulting from:

The use of your premises, including swimming pools (Otherresidential property you use as a rental can also be added)

The acts of your pets

Unintentional acts committed by you or qualified family members, either on or off your premises All medical payments for other people injured on your premises, regardless of your liability, will be paid up to the limits you determine.

Additional coverages

Emergency First Aid pays expenses you incur for necessary medical aid to other people at the time of an accident covered by the policy.

Damage to Property of Others pays up to $500 for damage to property of others caused by you or your qualified family member when you or they are not legally liable.


  • Your coverage pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees.
  • Any expenses you incur at Farmers’ request, including up to $60 a day for actual loss of wages are covered.
  • Farmers also pays the premium on appeal bonds and bonds torelease attachments.


Mortgage Protection

Our Mortgage Protection plan is designed to eliminate financial risk by providing cash to pay off the mortgage balance or to continue the monthly payments in the event of your or your spouse’s death.

Personal Articles floater

This extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy.


Non-Smoker discount

If qualified family members have not smoked tobacco products in the past two years, you can save money with our non-smoker discount.

Protective Devices discount

You may qualify for this discount if your home is equipped with a burglar alarm or an automatic sprinkler system.

Auto/Home discount

By insuring your auto(s) and home with Farmers, you may qualify for the Auto/Home discount.

50 Plus discount

Age has its privileges — if you are 50 or more years old, you may qualify for our 50 Plus discount.

New Homes/Home Renovation discount**

Homes constructed within the past eight years, or with recently renovated plumbing, electrical, and heating/air-conditioning systems, may qualify for a discount.

*Not available in all states **Electrical Systems discount in Minnesota and Missouri

Discover the advantage of personal service

These days, many insurance companies deal with their customers only by mail or phone. But when you choose Farmers, you have a personal, professional agent helping you every step of the way. Here’s how the personal touch can make a difference to you:

  • Your Farmers agent will work with you to identify your needs.
  • When the unexpected happens, our award-winning HelpPoint claims service is there 24/7 to help you get back where you belong. Our trained customer service representatives can provide support at a time of stress and help you restore your world to order.
  • Periodically, your agent can offer a Farmers Friendly Review® and help update your coverage if necessary.

This flyer is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions.

Please contact Macquel at 702.477.7776 for more information on Las Vegas Home Insurance.