Homeowners Insurance in Henderson, NV
With sufficient homeowners insurance, you can financially protect yourself and your property from unexpected incidents. Accupro Insurance Service is here to help you explore your coverage options and find a suitable policy.
What Is Homeowners Insurance? 
Homeowners insurance can cover your home and personal belongings against losses should a covered risk inflict damage to your property. It is generally a term contract with specific coverage dates. Details may vary, but a standard policy typically provides the following coverages:
- Dwelling coverage may cover the repair of your home’s physical structure if it gets damaged by fire, theft, vandalism or certain weather events.
- Other structures coverage may cover your home’s detached structures like sheds, garages and gazebos.
- Personal property coverage may cover your belongings, such as appliances, clothing, electronics and furniture.
- Liability coverage may cover necessary expenses if a third party is injured in your home or if you’re liable for damaging someone else’s property.
- Additional living expenses may cover food, shelter and other necessities if you must temporarily move out of your home after a covered loss event.
How Are Rates Determined?
Insurers may consider the following factors when evaluating you for a quote:
- The age of your home
- Your home’s vulnerability to risks such as burglaries, wildfires and theft
- The cost of repairing or rebuilding your home
- Safety features (e.g., security systems and storm shutters)
- Claims history
- Policy details (e.g., endorsements and deductibles)
Do I Need Homeowners Insurance?
There are certain instances where you may be required to have homeowners insurance. While Nevada does not legally require homeowners insurance, your lender may ask you to submit proof of a policy if your home is under a mortgage. Even if it’s not required, having coverage can play a critical role in limiting out-of-pocket losses following various incidents.
How to Get a Policy
Contact Accupro Insurance Service today to get started or request a quote.