Sparks Insurance Rates:

Sparks, NV home insurance is about $546 to $742, about $45-$61/month. Our all inclusive research reveals consumers can save upto $257 by comparing multiple quotes

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Sparks Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $230/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1000 sqft Primary Residence Constructed In 2009 with Stone Flooring, Tile Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Male who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $420/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

4 Beds, 4 Baths 3260 sqft Seasonal Residence Constructed In 2010 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Married Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $710/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Baths 2380 sqft Rental Property Constructed In 2014 with Wood Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1090/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

5 Beds, 5 Baths 3270 sqft Vacation Property Constructed In 1988 with Wood Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $200/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 1820 sqft Seasonal Residence Constructed In 2013 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $70/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1940 sqft Seasonal Residence Constructed In 1992 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $670/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $430,000

5 Beds, 5 Baths 4260 sqft Seasonal Residence Constructed In 2011 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $320/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 1810 sqft Vacation Property Constructed In 1993 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $740/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 1860 sqft Rental Property Constructed In 1994 with Carpet Flooring, Tile Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $180/1 month for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $495,000

5 Beds, 5 Baths 4510 sqft Vacation Property Constructed In 1990 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1220/6 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $345,000

4 Beds, 4 Baths 3117 sqft Primary Residence Constructed In 1978 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Married Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Sparks, NV Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
89436 $241,500 $660
89434 $186,900 $650
89431 $134,800 $620

Sparks Rates & Quotes Analysis:

Sparks Area Estimated House Insurance
Santa Rosa Ct, 16th St, Omar Way, Bonita Vista Dr, Los Amigos Dr, Shepherd Cir, Sharrock Rd, la Cresta Ct, 1st St, White Oak Ln$634
Brisa Ct, S Florentine Dr, Cibola Ct, Montello St, Dry Ct, Matterhorn, Grand Cypress Ct, Summit View Dr, Martinez Dr, Penny Way$661
la Posada Ct, Pascus Pl, Astronomer Way, Wilcox Ranch Rd, Teresa Pl, Cactus Cir, Caldera Dr, Skyridge Ln, Twin Springs Rd, 14th St$673
Shaber Ave, Heaven Dr, Whirlaway Pl, Renoir Ct, Wild Island Ct, Village Knoll Dr, Roundstone Dr, Ironstone Cir, Almazan Ct, Sage View Ct$612
Desert Mirage Ct, Hurst Park Rd, Kendal Ct, General Thatcher Dr, Purina Way, Kiskadee Dr, S Stanford Way, Canyon View Dr, Corral Dr, Moorpark Ct$659
Steneri Way, F St, F St, Bluehills Dr, Adobe Springs Ct, Antella Ct, Ten Mile Dr, Tanburg Cir, Big Dipper Ct, Panama Ct$642
Malapi Way, Verite Ct, Nowlin Ln, Hillhouse Ct, Point View Way, Railborne Dr, E 7th St, Napoli Dr, Terrace Knoll Ct, Crazy Horse Rd$612
Bach Ct, Canoga Ct, Stillmeadow Ct, Caboose Ct, Quail Canyon Rd, Garzoni Dr, Starhill Way, Tankersley Ct, Ian Ct, W Golden Valley Rd$644
Spandrell Ln, Bayhill Way, Percheron Dr, Fernwood Ct, Torobie Cir, Dancing Moon Way, Washoe Belle Dr, Carville Dr, Cola Ct, O'Malley Dr$635
Antelope Valley Rd, Shriver Blvd, Rama Ct, S Drexel Dr, Highline Ct, S Cottage Dr, Orinda Dr, Cosimo Ct, Mount Bachelor Dr, Westhill Ct$617

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,252 Homes (19% of total) built between 1970 to 1979 in Sparks are paying home insurance between $1,044-$1,053 compared to Spanish Springs (+$26), Golden Valley (+$30), Reno (+$12), Sun Valley (-$52) and Lemmon Valley (-$26).
  • Bedrooms: 9,047 2 bedrooms homes (25% of total homes ) in Sparks are paying about $393. Areas near to Sparks such as Spanish Springs, Golden Valley, Reno are costlier by $10, $11, $5 respectively whereas Sun Valley and Lemmon Valley are more economical by $19, $9 respectively for similar homes.
  • Auto Insurance Bundling: 8,628 Households (43% of all households) in Sparks have 2 vehicles available and when it is bundled with home insurance you can save $128. Discounts for similar bundling in close by locations such as Sun Valley, Spanish Springs, Golden Valley come to $122, $132, $132 respectively.
  • Senior Discounts: 9,311 seniors (more than 55 years) occupied housing units (47% of total) in Sparks get discounts between $96 to $98. The comparative concessions in proximate regions such as Sun Valley, Spanish Springs and Reno are $91, $99 and $97 respectively.
  • New Homes discounts: New homes such as the 19,189 homes built between 2000 to 2009 in Sparks can save $128 and similar new home insurance discounts in nearby towns and cities like Sun Valley, Spanish Springs and Golden Valley are $122, $132 and $132 respectively.

Sparks Homeowners insurance Facts

  • Sparks, NV has 19,704 owner occupied houses which is 58.8% of all units whereas Sun Valley, Spanish Springs and Golden Valley have 67.16%, 85.01% and 90.66% respectively.
  • Sparks, NV homeowners yearly insurance price at $644 is 0.32% of the typical house value of $198,500 which is in contrast with 0.57% in Sun Valley, 0.26% at Spanish Springs & 0.26% in Golden Valley.
  • Homeowners in Sparks, NV pay 12.88% of their income (Less than $10,000) in insurance whereas homeowners in Sun Valley, Spanish Springs and Golden Valley pay 12.24%, 13.2% and 13.24% respectively.
  • Sparks, NV’s insurance is 3.1% of monthly housing costs of $1,718/month, for owners with a mortgage compared to 4.04% in Sun Valley, 2.88% at Spanish Springs & 2.62% in Golden Valley. But, for households without a mortgage, insurance is 12.6% of costs ($425 in Sparks, NV) in contrast with 11.72% in Sun Valley, 10.09% at Spanish Springs & 10.25% in Golden Valley.

Sparks, NV Home Values & Insurance rates

For example, insurance for 882 Homes (4.0% of total homes ) valued between Less than $50,000 in Sparks, NV is about $77. Rates in nearby areas in such as Spanish Springs, Golden Valley, Reno are cheaper by $11, $18, $6 respectively while Sun Valley and Lemmon Valley are costlier by $63 and $23 respectively for similar homes.

Sparks, NV Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 882 4.0% $77
$60,000 to $69,999 267 1.0% $206
$70,000 to $79,999 331 1.0% $238
$80,000 to $89,999 305 1.0% $270
$90,000 to $99,999 452 2.0% $302
$100,000 to $124,999 1,748 9.0% $354
$125,000 to $149,999 1,624 8.0% $444
$150,000 to $174,999 2,345 12.0% $521
$175,000 to $199,999 1,828 9.0% $605
$200,000 to $249,999 3,535 19.0% $727
$250,000 to $299,999 2,463 13.0% $888
$300,000 to $399,999 2,322 12.0% $1133

Renters Insurance in Sparks

  • Average Renters Insurance in Sparks :  $172($14/month)

  • Median Gross Rent in Sparks :  $964

  • Sparks Renters Insurance to Median Rent Ratio:  1.45%

  • Renter occupied housing units in Sparks :  13,813

Sparks Renters Insurance as a Percentage of Rent

Sparks Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 397 2.0% $1243
$500 to $749 2,792 20.0% $1918
$750 to $999 3,917 29.0% $2668
$1,000 to $1,499 4,333 32.0% $3793
$1,500 or more 1,773 13.0% $5443

Protective device discount in Sparks Up to :  $25

Claims-free discount in Sparks Up to :  $34