Short answer: In Nevada, wildfire mitigation increasingly decides whether you can get home insurance. The Nevada Division of Insurance says some insurers require extra mitigation before they'll issue a policy, and recommends low-cost steps such as a five-foot vegetation-free buffer and ember-resistant vent mesh. If you're declined, ask the insurer for the exact reason and request an in-person inspection. Insurers must give at least 30 days' notice before non-renewing, and must acknowledge a claim within 20 working days.
This guide is general information for Nevada homeowners. It isn't legal advice. Your policy wording controls.
Step 1: Do the mitigation insurers look for
The Nevada Division of Insurance's 2026 wildfire season notice lists low-cost steps most homeowners can do themselves:
- Remove dead vegetation and trim overgrown trees and shrubs.
- Consider a five-foot buffer around the home free of vegetation.
- Replace highly combustible plants, such as conifers, where appropriate, and keep plants watered.
- Clear debris from roofs, gutters, decks and porches.
- Cover attic and under-eave vents with wire mesh no larger than one-eighth inch to keep embers out.
The Division notes that, depending on where you live, additional mitigation may be required before an insurer will issue a policy.
Step 2: If an insurer won't cover you
The Division says to ask the insurer for the exact reason, and that you can request an in-person inspection if one wasn't done. If you still can't get coverage, you can file a complaint with the Division, which may be able to help. Ask your agent to check surplus lines insurers as well; see FAIR Plan vs. surplus lines home insurance.
Step 3: Prepare a go kit and inventory
The Division recommends a go kit that includes a copy of your insurance policy, and a home inventory to speed up claims. Store photos or video of every room in the cloud.
Step 4: Non-renewal notice
Under NRS 687B.340, insurers must give notice at least 30 days before expiration for non-commercial policies. Details: Nevada homeowners non-renewal rules.
Step 5: Claim deadlines
Under Nevada regulations (NAC 686A.665 and NAC 686A.675), insurers must acknowledge a claim within 20 working days, accept or deny within 30 working days after properly executed proofs of loss, and pay within 30 days after acceptance. More: Nevada insurance claim deadlines. Flood isn't covered by homeowners insurance; see FloodSmart.
See our tables: non-renewal notice rules by state, insurance claim deadlines by state and home insurance claim and lawsuit deadlines by state.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Nevada.
Frequently asked questions
What wildfire mitigation does the Nevada Division of Insurance recommend?
Removing dead vegetation, trimming trees and shrubs, a five-foot vegetation-free buffer, clearing roofs and gutters, and covering vents with mesh no larger than one-eighth inch.
What should I do if I'm denied home insurance in Nevada?
Ask the insurer for the exact reason, request an in-person inspection, and if you still can't get coverage, contact the Nevada Division of Insurance.
How much notice before a Nevada homeowners non-renewal?
At least 30 days before expiration, under NRS 687B.340.
How fast must a Nevada insurer handle a claim?
Acknowledge within 20 working days, accept or deny within 30 working days after proof of loss and pay within 30 days after acceptance.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.