Elko Insurance Rates:

Elko, NV homeowners insurance is approximately $546 to $742, about $45-$61/month. Our complete analysis reveals consumers can save upto $257 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
They have a full round of offerings. All the regular needs and special items also. Just got to call and ask and they will fill anyone in with what services they have.
Liberty Mutual
I think my insurance offers the same amount of coverage as comparable providers. I don't think Liberty offers anything different in terms of coverages, etc.
Progressive
I would recommend direction row because of the coverage that you receive and the low payment that is offered and low deductible rate
Geico
Geico is a pretty basic homeowner insurance company as i feel they do not offer as many service details as others who specialize in this area.
Travelers
When i need to call it is very easy to be able to speak with someone. i don't have to be on hold or be transferred through multiple people to get my question answered or my issue addressed.
Country Financial
I have had three reps with the company and other than the first one, they never seem to be conveniently located.
Liberty Mutual
It's easy to log in to the website and to find where my policy details are my premiums and billing information, but I wish it was easier to change your policy online than it is. I can't seem to figure out how to see what it would cost if we bundled our auto insurance with our homeowners and that's one of the reasons why I haven't done it, because I don't know if it'll be a cost savings over my current auto insurance, and I really hate being on the phone. I would so much rather take care of things on the internet.
American Insurance
Already noted clearly about help desk customer service represent itself, communication approach as well as.
Progressive
I love that they give you many options for communication, such as phone, mail, email, etc. I choose to get all correspondence through email, which is best for me since I am constantly on the go.
Allstate
I like that they are able to give us the coverage we need for the best price for our home.
Farmer's Insurance
I do not like being on hold for a long time whenever I call.
State Farm
I would definitely recommend this company to anyone looking for home insurance. They have very good prices and also great customer service.
American Family Insurance
I would reccomend them because their rates are reasonable, they are well known in the community and have sponsored many events and worthwhile causes such as the American Family Children's Hospital in Madison. Additionally I have had very positive customer services experiences with them in changing coverages and filing claims.
American Family Insurance
I would certainly recommend the company for home insurance. It has not happened to me but I have a close experience with its compensation procedures. It was quick and painless.
Geico
their offers are pretty fair. it not like that you can use less money to have better services, but what they offered is worth the money.

Elko, NV Homeowners Insurance By Home Value

Elko, NV Home Value Total Homes % of Total Average Elko, NV Homeowners Insurance
Less than $50,000 805 8.0% $77
$50,000 to $59,999 180 1.0% $167
$60,000 to $69,999 211 2.0% $206
$80,000 to $89,999 244 2.0% $270
$100,000 to $124,999 746 8.0% $347
$125,000 to $149,999 618 6.0% $437
$150,000 to $174,999 913 9.0% $521
$175,000 to $199,999 1,100 11.0% $598
$200,000 to $249,999 1,977 21.0% $721
$250,000 to $299,999 1,349 14.0% $882
$300,000 to $399,999 1,056 11.0% $1120

Top Home Insurance Agents Near Elko, NV

Home Insurance Company Near Elko, NV Homeowners Insurance Agency Near Elko, NV Address
NA Adobe Insurance Group, Llc 554 S 5Th St, Elko, NV, 89801
State Farm Brent Stokes 698 5th St, Elko, NV, 89801-3551
Allstate Gregory Insurance Ag 789 Railroad St, Elko, NV, 89801
Liberty Mutual Independent Isu Mcmullen Insurance 429 COURT ST STE 1, ELKO, NV, 89801
Liberty Mutual Michael B. Popp Lutcf 225 Silver St. Ste - 103, Elko, NV, 89801

Elko, 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
Spring Creek CDP, Nevada $81 $108 $162
Osino CDP, Nevada $79 $105 $157
Carlin CCD, Elko County, Nevada $77 $103 $154

Elko, NV Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Elko, NV3.6%14.1%
Spring Creek3.53%10.33%
Osino3.38%10.28%
Carlin4.53%14.54%

Elko Renters Insurance as a Percentage of Rent

Elko Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 129 4.0% $793
$300 to $499 125 4.0% $1243
$500 to $749 451 15.0% $1918
$750 to $999 1,054 35.0% $2668
$1,000 to $1,499 964 32.0% $3793
$1,500 or more 240 8.0% $5443

Elko, NV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$4,800
Yearly Elko Homeowner Insurance Premium Example $2,000$1,400
Out of Pocket Expense During Claim$1,800$4,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,800$14,600
Net Savings to Elko Home Owner from High Deductible Plan $1,200

Elko, NV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elko, NV Home Replacement Value MORE than Home Value Elko, NV Home Replacement Value LESS than Home Value
Replacement Value $251,500 $191,500
Insurance Premium based on Replacement Value $1,075 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,000 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $125/year

Example Elko Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateFarmers Insurance
Monthly Premium 68114165
Year Built 201419802003
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $250000-$300000$250000-$300000$400000-$500000
Deductible $5000 to $10,000 Deductible$500 Deductible$500 Deductible

Sample Home Insurance Rates for Elko, NV from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 270,000 Membrane Roof 2,060 4 $5000 to $10,000 Deductible 860 9 Fiber-Cement Siding yes
2014 315,000 Asphalt Shingles Roof 2,980 4 > $10,000 Deductible 350 6 Wood siding yes
1990 475,000 Slate Shingles Roof 4,160 5 $1000-$2500 Deductible 290 2 Vinyl siding No
1987 435,000 Metal Roof 4,690 5 $2500-$5000 Deductible 1250 12 Stucco siding No
1985 220,000 Slate Shingles Roof 1,880 3 $500- $1000 Deductible 90 1 Stone Siding yes
1995 205,000 Shingles Roof 1,950 3 $500 Deductible 350 5 Stone Siding No
1995 225,000 Asphalt Shingles Roof 1,920 3 $1000-$2500 Deductible 760 12 Brick siding yes
1980 330,000 Shingles Roof 2,500 4 $500- $1000 Deductible 930 8 Wood siding yes
2005 430,000 Metal Roof 3,260 5 $1000-$2500 Deductible 1310 7 Stucco siding No
1990 235,000 Membrane Roof 1,910 3 $1000-$2500 Deductible 240 3 Vinyl siding No
2005 275,000 Membrane Roof 2,150 3 $2500-$5000 Deductible 440 6 Stucco siding yes
2005 660,000 Asphalt Shingles Roof 4,990 5 $500- $1000 Deductible 1980 8 Vinyl siding No
1991 275,000 Asphalt Shingles Roof 2,620 5 $500- $1000 Deductible 1420 12 Wood siding No
1986 465,000 Composition Roof 4,630 5 $2500-$5000 Deductible 890 6 Stucco siding yes
1988 420,000 Metal Roof 3,140 4 $500 Deductible 2700 12 Brick siding No
2004 400,000 Wood Shake Roof 4,060 5 > $10,000 Deductible 730 8 Stucco siding yes
2002 310,000 Wood Shake Roof 2,500 4 $1000-$2500 Deductible 700 5 Stone Siding yes
1995 310,000 Membrane Roof 2,520 4 $1000-$2500 Deductible 280 3 Fiber-Cement Siding No
2013 180,000 Tile Roof 1,330 3 $500- $1000 Deductible 70 1 Stucco siding No
2003 270,000 Asphalt Shingles Roof 2,140 3 $1000-$2500 Deductible 560 5 Vinyl siding No
2012 255,000 Wood Shake Roof 2,170 3 $2500-$5000 Deductible 500 7 Stucco siding yes
2014 290,000 Metal Roof 2,620 4 > $10,000 Deductible 620 7 Stone Siding No
2014 510,000 Wood Shake Roof 4,180 5 $500 Deductible 2390 9 Brick siding yes
1981 185,000 Membrane Roof 1,900 4 $5000 to $10,000 Deductible 180 3 Wood siding yes
2007 185,000 Membrane Roof 1,950 4 $5000 to $10,000 Deductible 340 5 Fiber-Cement Siding No
1992 200,000 Asphalt Shingles Roof 1,900 4 $2500-$5000 Deductible 50 1 Vinyl siding yes
2001 380,000 Metal Roof 2,930 5 $1000-$2500 Deductible 530 5 Vinyl siding No
2009 485,000 Tile Roof 4,600 5 $1000-$2500 Deductible 360 2 Vinyl siding No
2013 310,000 Metal Roof 2,760 5 $1000-$2500 Deductible 990 9 Stone Siding No
1997 245,000 Shingles Roof 2,200 3 $500 Deductible 960 12 Fiber-Cement Siding yes
1995 195,000 Tile Roof 1,600 5 $500 Deductible 970 9 Stone Siding yes
2008 435,000 Asphalt Shingles Roof 3,230 5 > $10,000 Deductible 810 8 Wood siding No
2005 360,000 Wood Shake Roof 3,890 5 $1000-$2500 Deductible 690 6 Vinyl siding No

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