Within minutes, residents of Henderson can get the better of two worlds: the exciting, action-packed atmosphere of Sin City and the tranquility of Mount Charleston. Fact of the matter is Henderson residents hit the jackpot in The Silver State. You'll also feel like a winner simply by assembling multiple Henderson insurance quotes. There are hundreds of insurance companies that are vying for your business. Getting to know what coverages you need and why you need them is the first step to acquiring quality Henderson insurance coverage at an affordable price.
Holding Down the Fort
In 2007, the average homeowners insurance premium in Nevada was $695, according to the Insurance Information Institute (I.I.I.). With the national average set at $822, insuring your home in The Silver State is not much of a gamble. Nevada is not completely lacking of severe weather - flash floods can happen year round but especially during monsoon season - but your Henderson insurance agent is relatively confident that you won't lose your home to a natural disaster. However, given that Henderson is sometimes prone to flash flooding, it's good to find out whether or not you live in a flood plain. If you feel you need flood insurance, you will have to purchase it through the Federal Emergency Management Agency (FEMA) to be certain you rightfully reimbursed in the event you damage or lose your home to flooding.
To drive legally in Nevada you must carry minimum liability insurance in the amounts of $15,000 for bodily injury or death per accident; $30,000 for bodily injury or death of two or more people per accident; and $10,000 for property damage. But considering the amount of motor vehicle theft in the area, it's wise to carry additional comprehensive coverage. According to the 2008 FBI Crime in the United States report, there were 829 car thefts in Henderson and 11,402 in the Las Vegas Metropolitan area. The latter is quite daunting, especially if you frequent The City That Never Sleeps. These statistics are contributing factors as to why Nevada was the eight most expensive state for auto insurance in 2007 with an average annual premium of $1,000 (the nationwide average was $795), according to the I.I.I. However, taking preventative measures to ensure your car's safety like installing anti-theft devices and tracking devices, your Henderson insurance quotes could come back below that average.
Be on the Safe Side
Safeguarding your home from potential burglars or car thieves should be a priority to residents of Henderson and so should quality insurance. Just about every Henderson insurance company offers discounts to those who combine their policies at their agency and to those with a good credit history. Use a free service like NetQuote to deal you the best Henderson insurance quotes and you're sure to come out on top.