Fernley Insurance Rates:

Fernley, NV homeowners insurance is roughly $527 to $720, about $43-$60/month. Our extensive research indicates shoppers can save as much as $249 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Fernley, NV Homeowners Insurance By Home Value

Fernley, NV Home Value Total Homes % of Total Average Fernley, NV Homeowners Insurance
Less than $50,000 185 4.0% $105
$50,000 to $59,999 136 3.0% $230
$60,000 to $69,999 93 2.0% $286
$70,000 to $79,999 316 8.0% $330
$80,000 to $89,999 220 5.0% $380
$90,000 to $99,999 160 4.0% $423
$100,000 to $124,999 600 15.0% $492
$125,000 to $149,999 494 12.0% $610
$150,000 to $174,999 478 12.0% $722
$175,000 to $199,999 164 4.0% $834
$200,000 to $249,999 512 13.0% $1009
$250,000 to $299,999 293 7.0% $1233
$300,000 to $399,999 190 4.0% $1563

Top Home Insurance Agents Near Fernley, NV

Home Insurance Company Near Fernley, NV Homeowners Insurance Agency Near Fernley, NV Address
NA Ardent Insurance Inc 6119 Ridgeview Ct. #500, Reno, NV, 89519
NA Suburbia Corp. Dba:Patrick W Condon & Associates 619 S Arlington Ave., Reno, NV, 89509
Liberty Mutual Independent Heuer Insurance Agency Inc 5050 VISTA BLVD UNIT 101, SPARKS, NV, 89436
State Farm Mark Geil 255 W Moana Ln Ste 106, Reno, NV, 89509-4942
Allstate Sharon Brannon 1111 Steamboat Pkwy Ste 450, Reno, NV, 89521

Cost Of Homeowners Insurance By Street Near Fernley, NV

Streets in Fernley Area Homeowners Insurance Cost
Laverder Dr, Anita Ave, Jenny's Ln, W Fir St, Fargo Way, Cottonwood Ln, Quince Ave, Beverly Ct, Virginia St, Shadow Mountain Dr$635
Tamsen Ln, Greens View Ct, Rutledge St, Varney Ln, 7th St, East St, Sunflower Ln, Garnet Ct, Stallion Springs Cir, Navajo Trl$635
Orange Dr, Eureka St, Opal Way, Tonnis Ct, Peregrine Cir, Wadsworth Ln, N Clover Ln, Brick Oven Ct, Inglewood Dr, Vance Dr$632
Todd Ct, Resource Dr, Grey Hawk Dr, Primton Way, Eight Iron Ct, Sunrise Ln, Talapoosa, Rocky Pl, Seminole Rd, Rouge River Rd$635
Wildrose Ct, Truckee Ln, Gustafson Rd, Putter Ct, Jasmine Ln, Snowflower Rd, E 2nd St, Round Up Rd, Snowdrift Rd, Summerwind Dr$631

Fernley, NV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fernley$92 to $94
Wadsworth$92
Storey County$96
Nixon$94

Fernley, 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
Wadsworth CDP, Nevada $92 $123 $185
Stagecoach CDP, Nevada $92 $123 $185
Storey County, Nevada $96 $128 $192

Fernley, 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
Fernley, NV3.5%13.3%
Wadsworth9.44%22.81%
Stagecoach4.41%13.49%
Storey County3.44%12.88%

Fernley Renters Insurance as a Percentage of Rent

Fernley Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 51 2.0% $807
$300 to $499 119 4.0% $1257
$500 to $749 193 7.0% $1932
$750 to $999 761 30.0% $2682
$1,000 to $1,499 1,136 45.0% $3807
$1,500 or more 228 9.0% $5457

Fernley, NV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$3,500
Yearly Fernley Homeowner Insurance Premium Example $1,000$600
Out of Pocket Expense During Claim$1,500$3,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $8,500$7,700
Net Savings to Fernley Home Owner from High Deductible Plan $800

Fernley, NV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fernley, NV Home Replacement Value MORE than Home Value Fernley, NV Home Replacement Value LESS than Home Value
Replacement Value $142,500 $88,000
Insurance Premium based on Replacement Value $700 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,000 Risk Exposure from Under Insuring Coverage is $28,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Fernley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateGEICO Insurance
Monthly Premium 5851108
Year Built 200719952014
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$175000-$200000$250000-$300000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 100,000 Wood Shake Roof 1,280 3 $500- $1000 Deductible 80 3 Wood siding yes
2003 350,000 Composition Roof 3,440 5 $500- $1000 Deductible 730 6 Brick siding No
1992 370,000 Tile Roof 4,500 5 $5000 to $10,000 Deductible 260 2 Stone Siding yes
2011 465,000 Tile Roof 4,730 5 > $10,000 Deductible 200 2 Brick siding yes
2002 145,000 Tile Roof 1,550 3 $500- $1000 Deductible 720 12 Wood siding yes
2008 130,000 Composition Roof 1,690 3 $500- $1000 Deductible 80 2 Stone Siding No
1990 240,000 Asphalt Shingles Roof 3,060 4 $5000 to $10,000 Deductible 410 9 Stone Siding yes
2002 400,000 Slate Shingles Roof 4,260 5 > $10,000 Deductible 690 8 Brick siding yes
2013 140,000 Metal Roof 1,900 5 $1000-$2500 Deductible 330 8 Stucco siding yes
1993 180,000 Asphalt Shingles Roof 1,840 3 $500 Deductible 930 9 Fiber-Cement Siding No
1991 255,000 Asphalt Shingles Roof 2,920 4 $1000-$2500 Deductible 690 8 Wood siding yes
2014 110,000 Composition Roof 1,470 3 $500 Deductible 340 8 Fiber-Cement Siding No
1998 335,000 Wood Shake Roof 3,250 4 $500 Deductible 1260 9 Stucco siding No
2002 335,000 Shingles Roof 4,170 5 $500- $1000 Deductible 590 6 Brick siding yes
1999 150,000 Wood Shake Roof 1,510 5 $1000-$2500 Deductible 150 4 Fiber-Cement Siding No
1990 200,000 Asphalt Shingles Roof 2,150 4 $1000-$2500 Deductible 700 8 Fiber-Cement Siding No
1990 230,000 Tile Roof 2,190 3 > $10,000 Deductible 240 4 Stone Siding No
2002 170,000 Composition Roof 2,150 5 $1000-$2500 Deductible 60 1 Wood siding No
2005 185,000 Slate Shingles Roof 2,680 5 $500 Deductible 760 12 Stone Siding yes
1998 270,000 Asphalt Shingles Roof 2,860 5 > $10,000 Deductible 940 12 Fiber-Cement Siding yes
1991 145,000 Slate Shingles Roof 1,750 4 $500 Deductible 160 2 Brick siding yes
2003 175,000 Asphalt Shingles Roof 2,130 4 $5000 to $10,000 Deductible 470 10 Brick siding yes
1990 180,000 Shingles Roof 2,630 4 $500 Deductible 330 6 Fiber-Cement Siding No
1991 175,000 Slate Shingles Roof 2,310 3 $1000-$2500 Deductible 120 2 Stucco siding yes
2010 185,000 Slate Shingles Roof 2,280 3 $500 Deductible 270 3 Vinyl siding No
2014 185,000 Asphalt Shingles Roof 2,260 4 $5000 to $10,000 Deductible 390 7 Vinyl siding yes
2008 125,000 Asphalt Shingles Roof 1,400 3 $500 Deductible 300 4 Stucco siding yes
2010 185,000 Slate Shingles Roof 1,800 3 $500- $1000 Deductible 80 1 Vinyl siding No
2011 300,000 Asphalt Shingles Roof 3,370 4 $2500-$5000 Deductible 1490 12 Vinyl siding yes
2010 350,000 Shingles Roof 3,950 5 $500- $1000 Deductible 260 2 Wood siding yes
2010 340,000 Slate Shingles Roof 3,390 4 $500- $1000 Deductible 1000 10 Wood siding No
1999 205,000 Shingles Roof 2,820 5 $5000 to $10,000 Deductible 50 1 Fiber-Cement Siding No
2002 350,000 Metal Roof 3,740 5 $2500-$5000 Deductible 120 1 Vinyl siding No
2003 145,000 Tile Roof 1,740 3 $1000-$2500 Deductible 140 2 Wood siding yes

Latest Home Insurance Reviews

Farmer's Insurance
I like that they can be used for multiple tenants in the same apartment, and the insurance covers each of us separately.
Allstate
Customer service representatives do not seem to be able to help with many issues, especially with billing. they usually require talking with a supervisor before changing almost anything about the service.
Allstate
I like my insurance company that i have now because their pricing is competitive and fair and there hasn't been the annual hike that you see all too often in the insurance industry. my deductible is flat and easy to understand and making changes to my policy has been easy.
Farmer's Insurance
I feel that they are always upselling. I think this is too pushy. They should maybe give good service and wait for referrals from doing a good job.
Liberty Mutual
I got quotes from four other companies and this one was the best price with the most coverage so I am happy with what I'm paying with this company.
Progressive
Progressive is a good, reputable company that has always provided me with good service. They always answer my questions when I call and make it easy with the home insurance plans they offer.
Farmer's Insurance
My experience with the customer service for Farmer's Insurance has been extremely positive. Their customer service department is extremely responsive and pleasant to interact with.
Progressive
I rank them 5 because I have no other insurance company to compare to. I have only had this one insurance company since I've bought my home.
Allstate
I feel like the fact that GEICO has auto insurance paired up with home insurance is pretty interesting, and that the insurance is pretty much-covering everything I have, along with the premium that came with the insurance, it was pretty calming in the end.
State Farm
I would recommend him because he is extremely nice and knowledgeable. I wouldn't recommend the company as a whole because they are more expensive than your average company and the majority of my friends and family.
Allstate
I would reccomend Allstate for sure. They are friendly and always ready and willing to help. They do their best to help their customers save money and get the best possible service/coverage. High Integrity.
Allstate
From the time I called to the time I renewed to the time I had to put in a claim, Allstate has given me prompt world class service. I would recommend them to anyone needing insurance for your home.
American Family Insurance
I have always had a positive experience with the customer service at American Family. They have been very helpful with my claims and with my account.