Protect your biggest investment in Las Vegas

Home insurance that covers what matters most

For most of us, our home is our most valuable possession. It is extremely important that you have the best coverage at an affordable price. Homeowners insurance covers damage to the home as well as personal possessions inside or around the premises. It also provides coverage for additional living expenses should a covered loss occur and you are forced to temporarily move out.

Personal liability coverage is included on all policies and is the most overlooked coverage of them all. Liability comes into play when you become legally liable to pay for injuries or property damage that occur at your home. Affordable Insurance works with multiple carriers to find the right policy for your home and your budget.

Home insurance policy types

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  Standard homeowners (HO-3) — covers the structure, belongings, liability, and additional living expenses
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  Renters insurance (HO-4) — covers your belongings and liability when you don't own the building; your landlord's policy does not cover your possessions
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  Condo/townhouse insurance (HO-6) — covers your unit interior, personal property, and liability; your HOA covers the exterior and common areas
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  Landlord/dwelling fire — covers the building, lost rental income, and liability for rental property owners
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  Mobile/manufactured home — specialized policies for mobile and manufactured homes

What homeowners insurance covers

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  Dwelling — repairs or rebuilds your home after fire, storm, vandalism, and other covered events
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  Personal property — furniture, electronics, clothing, and appliances lost or damaged in covered events
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  Liability — protects you if a guest is injured on your property or you accidentally damage someone else's property
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  Additional living expenses — hotel, meals, and other costs if you have to temporarily relocate
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  Jewelry and valuables — extra scheduled coverage for rings, watches, art, and special collections

The most important thing many renters don't know

Many renters believe that if a loss occurs where they are living, the owner or property manager's policy will pay for their damaged possessions. This is incorrect. None of your property is covered without a renters policy. If there is a flood or a fire, the building gets fixed — but there is no coverage for the renter's personal property without a separate renters insurance policy.

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We proudly serve Spanish-speaking homeowners and renters throughout Las Vegas. Start a quote online or visit our office.