Insurance in Nevada

Coverage Requirements in Nevada

Nevada raised auto liability minimums to 50/100/25 effective July 1, 2025 ($50,000 per person bodily injury, $100,000 per accident, $25,000 property damage) — replacing the prior 25/50/20 floor. Nevada is an at-fault state with modified comparative fault (51% bar). Roughly 10% of Nevada drivers are uninsured; VKOVR recommends stacking UM/UIM to match the new 50/100 liability floor, with higher limits for Las Vegas Strip exposure and I-15/US 95 freight corridors. Standard homeowners insurance in Nevada covers wind, hail, and most weather perils but wildfire exposure on the Reno-Tahoe rim, Carson Range, and Spring Mountain areas increasingly drives non-renewal pressure and defensible-space underwriting. Flood — Mojave flash flood in Clark County, Truckee Meadows and Carson River in Washoe/Carson — requires NFIP or private flood coverage outside standard HO3. Coverage A should be audited against elevated Nevada rebuild costs, especially in Henderson, Summerlin, and Reno where post-2020 construction labor has tightened. Nevada employers with one or more employees must carry workers' compensation insurance. The Nevada Division of Industrial Relations enforces penalties for non-coverage. Hospitality and gaming (Las Vegas Strip, Reno), construction, industrial logistics (Sparks/TRIC Tesla Gigafactory, Apple data centers), and healthcare drive distinctive Nevada commercial pricing; general liability, liquor liability, and cyber lines matter for gaming and entertainment operations statewide.