Standard homeowners policies in Nevada exclude earthquake damage, flood, water backup, and ordinance-and-law gaps. Understanding these exclusions before a loss occurs protects your largest investment from devastating out-of-pocket costs.

2026 insurance changes are already hitting Las Vegas and Henderson drivers and homeowners. This plain-English guide explains what’s driving rates, the mistakes locals make at renewal, and a simple 5-step checklist to review your auto and home coverage with a local GEICO Exclusive Agency.