Carson, NV Home Insurance - Analysis On Quotes, Rates & Agents
Carson Insurance Rates:
Carson, NV homeowners insurance is nearly $552 to $751, about $46-$62/month. Our detailed guide reveals consumers can save upto $260 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Homeowners Insurance in Carson, NV - What You Need to Know
Homeowners insurance protects your home, personal possessions, and other structures on your property from damage or loss due to certain perils. These perils can include fire, windstorms, hail, lightning, theft, and vandalism. Your policy also covers liability coverage, which protects you from being held responsible for any injuries or damages to someone on your property.
The average cost of homeowners insurance in Carson, NV, is $642. Getting affordable homeowners insurance in Carson, Nevada, is crucial to safeguard your house and possessions. Homeowners insurance comes in various forms; choosing the one that best suits your needs is important. Before purchasing a policy, it is essential to search about and compare rates for homeowners' insurance because it may be very expensive. Here are some suggestions to assist you in finding affordable homeowners insurance in Carson, Nevada, while lowering your insurance costs.
By Choosing a Higher Deductible
One of the best methods to reduce the cost of homeowners insurance is to select a higher deductible. You can lower your overall insurance expenses by doing this. If you ever need to submit a claim, you must ensure that you can afford to pay the higher deductible. However, picking a higher deductible might be a wonderful method to lower your homeowner's insurance prices if you have faith in your capacity to save money. For instance, homeowners in Carson, Nevada, with 500 and 1500 deductibles, respectively, pay $634 and $540 in premiums. Homeowners with deductibles of 2000 and 2500 each pay $490 and $461, respectively. Therefore, the higher the deductible, the lower the homeowners insurance rates in Carson, NV.
By Installing Security Features
Fire Extinguishers, deadbolt locks, and Smoke Detectors are examples of security features. These elements might discourage criminals and increase the security of your home. Additionally, your insurance provider might lower your premiums if your house is secure. So, if you want to lower the cost of your homeowner's insurance, think about adding some security measures. It is a really smart investment. For instance, in Carson, Nevada, homeowners with deadbolts pay $766.26 for their insurance.
By Maintaining a Zero Claims History
You have a zero claims history if you have never made an insurance claim against your policy. This is significant since insurers frequently increase rates for customers who have previously made claims. You will be considered a lower-risk customer and more likely to be eligible for discounts and reduced rates if you continue to have no claims in the past. For instance, homeowners in Carson, Nevada, who have never made a claim must pay a premium of $558. In Carson, Nevada, homeowners with one or two claims must pay $693 and $719 for homeowners insurance.
Carson, NV Homeowners Insurance By Home Value
| Carson, NV Home Value | Total Homes | % of Total | Average Carson, NV Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,491 | 13.0% | $71 |
| $50,000 to $59,999 | 169 | 1.0% | $149 |
| $60,000 to $69,999 | 145 | 1.0% | $189 |
| $70,000 to $79,999 | 171 | 1.0% | $215 |
| $80,000 to $89,999 | 133 | 1.0% | $247 |
| $90,000 to $99,999 | 224 | 2.0% | $273 |
| $100,000 to $124,999 | 601 | 5.0% | $319 |
| $125,000 to $149,999 | 529 | 4.0% | $397 |
| $150,000 to $174,999 | 1,011 | 9.0% | $475 |
| $175,000 to $199,999 | 1,035 | 9.0% | $547 |
| $200,000 to $249,999 | 2,011 | 18.0% | $658 |
| $250,000 to $299,999 | 1,538 | 14.0% | $808 |
| $300,000 to $399,999 | 1,894 | 17.0% | $1023 |
Cost Of Homeowners Insurance By Street Near Carson, NV
| Streets in Carson Area | Homeowners Insurance Cost |
|---|---|
| Liberty Ct, Eureka Dr, Voltaire St, Bobcat Cir, Mulligan Dr, Fieldcrest Dr, Rabe Way, Hobbyhorse Ln, Muldoon St, Denio Ct | $673 |
| F St, E William St, Harvard Dr, Walker Dr, Morris Cir, California St, W Ann St, Technology Way, W 10th St, Industrial Dr | $662 |
| W Robinson St, Airport Rd, Oak Ridge Dr, Freedom Ct, Joanne Dr, Akron Way, E John St, W 4th St, Potomac Pl, Ravenshorn Dr | $661 |
| Ivy St, E College Pkwy, Annapolis Ave, Cachet Ct, W Nye Ln, Sunrise Dr, Westview Ave, Bel Aire Cir, Coventry Dr, Kelvin Rd | $598 |
| Albany Ave, Orovada Dr, Menlo Ct, Bolero Dr, la Mirada St, E 7th St, Bowers Ln, N Peters St, Tara St, Goni Rd | $677 |
| Ashford Dr, Ruby Ln, Christmas Tree Ln, Douglas Dr, Southcrest Rd, Mallard Dr, Ridge Point Dr, Columbia Way, Marilyns Way, Southridge Rd | $639 |
| Mary St, Plantation Dr, Alyce Ct, Gibson Ave, Hells Bells Rd, Debbie Ln, Foothill Dr, Little Ln, W Adams St, Como St | $639 |
| Hansen Dr, Voltaire Canyon Rd, Giordonia Dr, Dyer Ct, Timberline Dr, Eastridge Ln, Clydesdale Dr, Sean Dr, Randall Dr, Lily Dr | $724 |
| E 3rd St, Martin St, Elm St, E William St, Meteor Cir, Clover Ct, Molly Dr, Cameron Ct, Quail Run Dr, Blackrock Ct | $662 |
| Nye Ln, Newton Rd, Rock Ct, Panamint Rd, Weninger Dr, Dan St, Clemens Dr, W Roventini Way, Pebbleridge Dr, Jarbridge Ct | $609 |
Carson, NV Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Carson | $97 to $100 |
| Indian Hills | $98 |
| Johnson Lane | $105 |
| Washoe Valley | $104 |
Carson, NV Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Indian Hills CDP, Nevada | $82 | $109 | $163 |
| Johnson Lane CDP, Nevada | $88 | $117 | $175 |
| Washoe Valley CCD, Washoe County, Nevada | $87 | $116 | $174 |
Carson, NV Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Carson, NV | 3.3% | 12.8% |
| Indian Hills | 3.14% | 12.49% |
| Johnson Lane | 2.63% | 12.58% |
| Washoe Valley | 2.74% | 10.98% |
Carson Renters Insurance as a Percentage of Rent
| Carson Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 276 | 3.0% | $1237 |
| $500 to $749 | 2,266 | 28.0% | $1912 |
| $750 to $999 | 2,014 | 25.0% | $2662 |
| $1,000 to $1,499 | 2,793 | 34.0% | $3787 |
| $1,500 or more | 557 | 6.0% | $5437 |
Latest Home Insurance Reviews
State FarmI would recommend State Farm because I feel that they have offer reputable services.So far, the communication seems adequate but I guess I won't truly know until I need to issue a claim for some reason.
Liberty MutualLiberty Mutual has excellent customer service and an easy web site to navigate through. I have had little need to contact a rep but,I am fortunate to get knowledgeable and efficient customer service.
State FarmI would recommend State Farm Insurance, giving them a 5 star review. I am highly satisfied with the level of coverage for the amount of money they charge. I am also satisfied with how the local agents are willing to help you.
ProgressiveI would certainly recommend this company for home insurance if you like personalized customer service and coverage. Not every home owner will qualify for this however.
Farmer's InsuranceMy insurance company is on a scale of 50/50% good and bad. They offer good coverage especially if theres a natural disaster they wil accomodate hotel stay. But their deductible is a little high.
GeicoI believe Geico has a more comprehensive coverage at an affordable price than other home insurance companies, but I mainly chose to use them since they are my car insurance company as well.
GeicoI like geico because they have fair rates on the insurance services that they provide to their customers and are consistent with their pricing.
AllstateSomething i do not like about allstate is that they don't cover things that other insurance company's would cover that are included in the price
State FarmI think i will stay with state farm for convenience and reliability. i know a company like state farm will follow all rules and regulations and that gives me a sense of reassurance.
AllstateThey check in every six months or so to see if we have all the coverage we need and are getting all the discounts we can. We also receive emails and mail communication keeping us up to date with our policies and any changes.
Farmer's InsuranceIt is safe and easy to use.
State FarmThe claim process was handled very fast and professionally. I think the whole process only took a week or two.
American Family InsuranceI'd put at a one. I have no dislikes from this company. One time my renters insurance lapsed and I didn't have it unknowingly for a month. That was a bit upsetting.
ProgressiveThe people at American Modern are rude and don't ever call you back for days and sometimes not even then.
TravelersI recommend Traveler’s for Homeowner’s insurance because in the many years that I have been a policy-holder, my insurance rates have increased only minimally. Every year there is a re-evaluation of my home’s value, and this occurs through the mail without any time spent on my part. The documentation I receive from the company is clear and easy to follow, and there is never any doubt about what I owe for continuing coverage, or when it is due. Finally, Traveler’s never sends me spam emails or junk flyers trying to get me to purchase more services.
American Family InsuranceThe offerings of my policy with Farm Bureau are similar to other companies, but the main thing is the price of the policy and their speed in settling claims.
State FarmI would recommend State Farm because they are one of the few big insurance company that have local offices near to where i live and get to talk a real agent in person.