Homeowners insurance · Las Vegas, Nevada
Homeowners Insurance for Las Vegas and Nevada Homeowners
A homeowners insurance conversation should be specific to the property and the household. Eric James Insurance Agency can help Nevada homeowners review available homeowners insurance options and the information that matters when buying a home, replacing an existing policy or checking whether an older policy still reflects the property today.
Homeowners
Las Vegas · NevadaProtecting a home starts with understanding what you own and what the policy is designed to do
A useful homeowners review looks at the dwelling, belongings, liability, deductibles, endorsements and how the property is currently used. Exact coverage depends on the policy, limits and exclusions.
01 · Homeowners
A useful homeowners review looks beyond the roof
- The dwelling and attached structures.
- Personal belongings inside the home.
- Certain liability exposures.
- Certain additional living expenses after a covered loss.
- Other structures or property features that may need to be discussed.
02 · Homeowners
Property changes can change the insurance conversation
- A recent purchase or refinance.
- A major remodel, room addition or upgraded kitchen or bath.
- A new roof, electrical, plumbing or HVAC work.
- Solar panels, a pool, detached structures or other property changes.
- A home that is rented, vacant, used seasonally or used differently than before.
- New high-value personal property that may need separate discussion.
03 · Homeowners
What your agent needs to understand about the home
Bring accurate property information. Square footage, construction details, roof information, updates and how the home is occupied can matter. If you are replacing an existing policy, your declarations page is one of the best starting points because it lets the agency compare what is currently listed rather than guessing.
04 · Homeowners
Homeowners is not condo insurance and it is not renters insurance
A detached or single-family homeowner, a condominium unit owner and a renter have different property interests. If an association owns or insures part of the structure, start with the condo page. If you rent rather than own the residence, start with the renters page.
05 · Homeowners
Ask specifically about water and flood questions
Do not assume every kind of water loss is treated the same way. Flood protection and other water-related issues can involve separate terms, exclusions, endorsements or programs. Ask the agency to explain what the policy under discussion does and does not address; no coverage should be inferred from this page.
Frequently asked questions
Questions people commonly ask
What information should I have for a homeowners quote or review?
The property address, basic construction and update information, how the home is occupied, and a current declarations page if you already have coverage are useful starting points.
Does homeowners insurance cover everything in my house?
No policy covers every loss. Coverage is governed by the specific policy, limits, deductibles, endorsements and exclusions. Ask us to explain the policy being considered.
Is flood automatically included?
Do not assume that it is. Flood and other water-related protection should be discussed specifically because separate coverage or programs may apply.
I own a condo. Should I use this page?
Start with the condo insurance page because condominium ownership involves an association master policy and a different coverage boundary.
Visit, call or email
Our Las Vegas office
3910 S. Maryland Pkwy, Suite 9B
Las Vegas, NV 89119
(702) 836-0953
[email protected]
English and Spanish · Wheelchair accessible