Compared to other states, Nevada’s homeowners aren’t exposed to many natural perils that could threaten their properties. As Nevada is the U.S.’s driest state, wildfires do pose some danger to homeowners. Your typical homeowners insurance policy covers fires, but you should check to make sure that your dwelling coverage limit is high enough to cover the cost of rebuilding your home if it were destroyed.
Usually, an insurance policy reimburses you for the actual cash value of your home after depreciation unless you have replacement cost coverage.
Sometimes, insurers won’t offer coverage in areas of the country that are particularly prone to fires. You’ll have to talk to your provider to make sure that your policy would safeguard your property in the event of a destructive wildfire. If not, you might have to get a separate insurance policy to protect your home against only the damage from fires.