A report by Lending Tree has found that Nevada's home insurance rates have remained relatively low compared to other states due to a lack of natural disasters affecting the state. The report found that home insurance rate increases have outpaced inflation by a smaller margin than in most other states. From 2020 through 2025, regulator-approved rates rose approximately 45.8 percent nationally, compared to a 26.4 percent inflation rate. The state's home insurer inflation rate was ranked 44th in the county. LendingTree also found that the state has one of the lower average annual home insurance costs in the country at $1,626, or 42 percent below the national average. The states with the highest rate hikes include Colorado, Iowa, Minnesota, Utah and Nebraska.