Reno Insurance Rates:

Reno, NV home insurance is nearly $554 to $751, about $46-$62/month. Our extensive analysis reveals consumers can save upto $260 by comparing multiple quotes

Compare Quotes from Top Providers and Save now!

Research about Reno Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Nevada. Compare quotes & save.

Reno Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $50/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Bath 1850 sqft Rental Property Constructed In 2012 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $430/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Bath 2140 sqft Primary Residence Constructed In 1983 with Hardwood Flooring, Membrane Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Fire Extinguisher, Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $320/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $430,000

5 Beds, 5 Baths 3660 sqft Vacation Property Constructed In 2001 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $740/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 2930 sqft Primary Residence Constructed In 2012 with Wood Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $340/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

3 Beds, 3 Bath 2200 sqft Vacation Property Constructed In 2009 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $240/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 990 sqft Vacation Property Constructed In 1989 with Wood Flooring, Metal Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $700/5 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Baths 2785 sqft Primary Residence Constructed In 1984 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Reno, NV Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
89511 $458,700 $750
89510 $373,600 $710
89509 $324,800 $690
89523 $277,700 $680
89501 $227,000 $670
89503 $190,200 $650
89502 $171,300 $650
89506 $159,400 $640
89512 $130,900 $620

Reno Rates & Quotes Analysis:

Reno Area Estimated House Insurance
Summit Ridge Rd, W Cygnet Cir, Torobie Cir, Marvel Way, Windycrest Dr, N Arlington Ave, Via Contento Ct, Washington St, Oldenburg Ct, Cliff Hanger Dr$650
Machen Cir, Newlands Cir, Waldron Ln, Budrow Dr, Doc Olena Ct, River Gorge Ct, Mesa Park Rd, Sleepy Hollow Dr, S Rock Blvd, Elk Ct$661
Escalera Ct, Gilvarry St, Brown St, Fall River Cir, Old US Hwy 395 N, Sommerville Way, Marsh Ave, St Lawrence Ave, Anne Marie Ct, Birmingham Pl$631
Citron St, Torrington Dr, Drew Dr, Ballentyne Way, Alicia Way, Elko Ave, Antelope Valley, Longhorn Dr, Greenwich Way, Shadow Crest Cir$600
Preakness Ct, Moab Ct, Shelter Ct, Hemlock Way, Swaledale Dr, Summer Glen Dr, Virginia St, Regal Dr, Jaeger Ct, Meadowood Mall Cir$682
Austin Creek Ct, Basque Oven Rd, Lafayette Ln, Palmira Dr, Buckaroo, Marmara Dr, Orovada St, Prairie Rose Pl, Fieldcreek Ln, Orca Way$685
S Whisperwood Dr, E 11th St, Pasture View Rd, Toiyabe St, Klondike Dr, Arbor Ct, Flint St, Willow St, Las Brisas Blvd, Kirkland Ct$697
Oakley Ln, Still Meadow Dr, Sapphire Canyon Ct, Primula Way, Quail Run Rd, Greeley Ct, Samuel Way, Aspen Glen Rd, Isbell Rd, Outback Ln$752
Sysonby Ct, Firethorn Cir, Partridge Way, Meyers, Aquamarine Ct, Calgary Ct, Sienna Station Way, Kiwi Ct, Morgan Pointe Cir, Eucalyptus Ct$682
Desna St, Andesite Ave, Devon Dr, Fort Churchill Rd, Fulmar Ct, Springer Ct, Blue Lakes Ct, Hacienda Dr, Noche Ln, Kewanna Trl$631

Insurance rates are influenced by a number of factors including:

  • Year Built: 18,487 Homes (18% of total homes ) built between 1990 to 1999 in Reno are paying home insurance between $940-$950. Places close to Reno, NV such as Mogul, Golden Valley, Verdi are more expensive by $60, $15, $49 respectively while Sun Valley and Sparks are cheaper by $57 and $11 respectively for similar homes.
  • Bedrooms: 16,754 1 bedroom homes (17% of total homes ) in Reno are paying about $385 and differs from Golden Valley (+$6), Verdi (+$20), Reno Southwest (+$33), Reno North (-$3) and Sun Valley (-$23).
  • Auto Insurance Bundling: 19,899 Households (46% of all households) in Reno have 2 vehicles available and when it is bundled with home insurance you can save $130 and varies from Reno North ($129), Mogul ($138), Golden Valley ($132).
  • Senior Discounts: 20,724 seniors (more than 55 years) occupied housing units (48% of total) in Reno get discounts between $97 to $100. The comparative concessions in proximate regions such as Reno North, Mogul and Golden Valley are $97, $103 and $99 respectively.
  • New Homes discounts: New homes such as the 48,657 homes built between 2000 to 2009 in Reno can save $130 and similar new home insurance discounts in nearby towns and cities like Reno North, Mogul and Golden Valley are $129, $138 and $132 respectively.

Reno Homeowners insurance Facts

  • Reno, NV has 42,928 owner occupied houses which is 48.1% of all units whereas Reno North, Mogul and Golden Valley have 41.25%, 95.72% and 90.66% respectively.
  • Reno, NV homeowners yearly insurance price at $652 is 0.29% of the typical house value of $224,400 which is in contrast with 0.31% in Reno North, 0.2% at Mogul & 0.26% in Golden Valley.
  • Homeowners in Reno, NV pay 2.9% of their income ($20,000 to $24,999) in insurance whereas homeowners in Reno North, Mogul and Golden Valley pay 2.88%, 3.08% and 2.94% respectively.
  • Reno, NV’s insurance is 3.1% of monthly housing costs of $1,784/month, for owners with a mortgage compared to 3.13% in Reno North, 3.28% at Mogul & 2.62% in Golden Valley. But, for households without a mortgage, insurance is 10.9% of costs ($498 in Reno, NV) in contrast with 11.7% in Reno North, 10.5% at Mogul & 10.25% in Golden Valley.

Reno, NV Home Values & Insurance rates

For example, insurance for 5,759 Homes (15.0% of total homes ) valued between $200,000 to $249,999 in Reno, NV is about $652. Rates in nearby areas in such as Mogul, Golden Valley, Verdi are cheaper by $202, $63, $179 respectively while Reno North and Sun Valley are costlier by $46 and $633 respectively for similar homes.

Reno, NV Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,188 8.0% $71
$50,000 to $59,999 613 1.0% $149
$60,000 to $69,999 586 1.0% $182
$80,000 to $89,999 855 2.0% $241
$90,000 to $99,999 700 1.0% $273
$100,000 to $124,999 2,439 6.0% $319
$125,000 to $149,999 2,609 7.0% $397
$150,000 to $174,999 3,943 10.0% $469
$175,000 to $199,999 3,375 9.0% $541
$200,000 to $249,999 5,759 15.0% $652
$250,000 to $299,999 5,305 14.0% $795
$300,000 to $399,999 6,865 18.0% $1010

Renters Insurance in Reno

  • Average Renters Insurance in Reno :  $148($12/month)

  • Median Gross Rent in Reno :  $874

  • Reno Renters Insurance to Median Rent Ratio:  1.37%

  • Average household size of renter-occupied unit :  2.39

Reno Renters Insurance as a Percentage of Rent

Reno Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 815 1.0% $787
$300 to $499 3,038 6.0% $1237
$500 to $749 11,316 24.0% $1912
$750 to $999 13,599 29.0% $2662
$1,000 to $1,499 11,389 25.0% $3787
$1,500 or more 4,865 10.0% $5437

Rent Affordability in Reno:

Approximately 46.0% (21,812) of households are spending more than 35% of their income on gross rent in Reno

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 4,225 9.0%
15.0 to 19.9 percent 4,955 10.0%
20.0 to 24.9 percent 5,692 12.0%
25.0 to 29.9 percent 5,177 11.0%
30.0 to 34.9 percent 4,556 9.0%
35.0 percent or more 21,812 46.0%

Reno Renters Insurance Discounts:

Reno Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Reno, NV Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 22,323 48.0% $14.8
2 vehicles available 12,382 26.0% $22.2
3 or more vehicles available 3,391 7.0% $29.6

Reno Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 3,243 6.0% $87
60 to 64 years 2,888 6.0% $69
65 to 74 years 3,214 6.0% $56
75 years and over 2,494 5.0% $43

Protective device discount in Reno Up to :  $22

Claims-free discount in Reno Up to :  $29