Home Insurance in Lovelock, Nevada
With a median home value of $183,700, Lovelock is close to the Pershing County median.
The typical home in Lovelock was built around 1980. About 37% of homes were built before 1960, about 20 points above Pershing County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lovelock is 58% single-family homes, 12% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 43% of owner-occupied homes in Lovelock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lovelock has an owner-occupancy rate of 54% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lovelock, 75% of homes are primarily heated with natural gas.
FEMA rates Pershing County's overall risk as Very Low, led by wildfire (Relatively Low). Pershing County had 3 active NFIP flood policies as of September 2026. See the full Pershing County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Nevada carries a statewide average premium of $1,013 per year.
Key figures
| Median home value | $183,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Pershing County | 3 |
| Home insurance premium | $1,013 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)