Gardnerville Insurance Rates:

Gardnerville, NV homeowners insurance is approximately $551 to $757, about $45-$63/month. Our all inclusive analysis indicates shoppers can save upto $261 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Gardnerville, NV Homeowners Insurance By Home Value

Gardnerville, NV Home Value Total Homes % of Total Average Gardnerville, NV Homeowners Insurance
Less than $50,000 107 9.0% $65
$50,000 to $59,999 52 4.0% $143
$60,000 to $69,999 23 2.0% $183
$80,000 to $89,999 35 3.0% $241
$100,000 to $124,999 34 3.0% $307
$125,000 to $149,999 33 2.0% $385
$150,000 to $174,999 96 8.0% $457
$175,000 to $199,999 99 8.0% $529
$200,000 to $249,999 301 27.0% $640
$250,000 to $299,999 153 13.0% $778
$300,000 to $399,999 165 14.0% $994

Top Home Insurance Agents Near Gardnerville, NV

Home Insurance Company Near Gardnerville, NV Homeowners Insurance Agency Near Gardnerville, NV Address
State Farm Bill Fraser 11 Sierra St, Yerington, NV, 89447-2634
Allstate Braden Dolan 2100 Kietzke Ln, Reno, NV, 89502
Allstate Kirk Bodenstein Ins 1532 Us Hwy 395 S Ste 114, Gardnerville, NV, 89410
Nationwide Maffei Ins & Fin Services 9190 Double Diamond Pkwy, Reno, NV, 89521
Liberty Mutual Independent Mike Menath Insurance Inc 333 VILLAGE BLVD STE 203, INCLINE VLG, NV, 89451

Cost Of Homeowners Insurance By Street Near Gardnerville, NV

Streets in Gardnerville Area Homeowners Insurance Cost
Toiyabe Ave, Camas Ct, Sunset Ridge, S Benton Rd, Catherine Ct, Qadosh, Washoe Way, Drake Ln, Macenna Ln, Hampden Way$697
Amber Way, Lampe Dr, Aldersgate Ct, Tedsen Ln, Harvest Ave, Courthouse Ln, Pima Way, Julian Way, Desert Gold Ct, Ladera Ln$706
Rocking Horse Rd, Main St, Sugar Maple Ave, Gray Ct, Bar J Rd, Sorrel Ln, Blue Bird Rd, Bluebird Way, Wild Cat Cir, Mill Creek Cir$693
Stones Throw Rd, S Orchard Rd, Westminster Pl, Virginia Ranch Rd, Ty Ln, Wagner Ct, Solitude Ln, Zerolene Rd, el Dorado Dr, Windsor Dr$704
Juniper Valley Ranch Rd, Pin Oak Dr, Penner Ave, Service Dr, Wilson Cir, Creek Dr, Juniper Rd, Orbit Way, Cutter Ln, Patrick Ct$704

Gardnerville, NV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gardnerville$97 to $99
Minden$101
East Valley$115
Gardnerville Ranchos$98

Gardnerville, 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
Minden CDP, Nevada $101 $135 $203
East Valley CDP, Nevada $116 $154 $231
Gardnerville-Minden CCD, Douglas County, Nevada $101 $135 $203

Gardnerville, 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
Gardnerville, NV3.0%12.5%
Minden3.3%11.7%
East Valley2.84%10.02%
Gardnerville-Minden2.98%12.1%

Gardnerville Renters Insurance as a Percentage of Rent

Gardnerville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 24 2.0% $1235
$500 to $749 196 17.0% $1910
$750 to $999 531 47.0% $2660
$1,000 to $1,499 298 26.0% $3785
$1,500 or more 64 5.0% $5435

Gardnerville, NV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Gardnerville Homeowner Insurance Premium Example $1,300$1,100
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,000$10,400
Net Savings to Gardnerville Home Owner from High Deductible Plan $600

Gardnerville, NV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gardnerville, NV Home Replacement Value MORE than Home Value Gardnerville, NV Home Replacement Value LESS than Home Value
Replacement Value $473,500 $346,500
Insurance Premium based on Replacement Value $2,225 $1,625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,500 Risk Exposure from Under Insuring Coverage is $88,500
Premium Impact Insurance cheaper by $425/year Insurance costlier by $175/year

Example Gardnerville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceTravelersState Farm
Monthly Premium 759766
Year Built 200420111980
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$300000-$350000$200000-$250000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Gardnerville, 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 560,000 Shingles Roof 4,190 5 $5000 to $10,000 Deductible 990 7 Brick siding yes
2010 355,000 Slate Shingles Roof 3,360 4 $500- $1000 Deductible 430 5 Stucco siding yes
2008 685,000 Asphalt Shingles Roof 4,920 5 $2500-$5000 Deductible 670 3 Stone Siding No
1983 260,000 Shingles Roof 2,160 3 $500 Deductible 270 3 Stucco siding yes
2012 230,000 Membrane Roof 1,540 3 $2500-$5000 Deductible 410 6 Fiber-Cement Siding No
1986 395,000 Asphalt Shingles Roof 2,900 5 $5000 to $10,000 Deductible 1100 9 Wood siding yes
1984 235,000 Wood Shake Roof 1,880 3 $500 Deductible 900 8 Fiber-Cement Siding yes
2011 240,000 Asphalt Shingles Roof 2,120 4 $2500-$5000 Deductible 400 5 Vinyl siding No
1984 285,000 Tile Roof 2,270 3 $500- $1000 Deductible 740 6 Wood siding No
2014 355,000 Metal Roof 3,090 4 $500- $1000 Deductible 780 5 Stucco siding yes
2010 305,000 Shingles Roof 2,170 3 $500 Deductible 120 1 Vinyl siding No
1984 220,000 Membrane Roof 2,150 4 $500- $1000 Deductible 180 3 Vinyl siding yes
2011 340,000 Composition Roof 2,480 4 > $10,000 Deductible 520 6 Stone Siding No
2005 350,000 Asphalt Shingles Roof 2,680 5 $1000-$2500 Deductible 150 1 Wood siding yes
2006 220,000 Slate Shingles Roof 2,150 3 $500 Deductible 730 8 Vinyl siding No
1981 270,000 Asphalt Shingles Roof 2,280 4 > $10,000 Deductible 450 8 Fiber-Cement Siding No
1981 195,000 Tile Roof 1,420 3 $500 Deductible 100 1 Brick siding No
1985 220,000 Wood Shake Roof 1,610 5 $2500-$5000 Deductible 220 3 Stucco siding yes
1982 265,000 Metal Roof 2,230 3 $500- $1000 Deductible 130 1 Stucco siding yes
2001 195,000 Wood Shake Roof 1,590 3 $2500-$5000 Deductible 590 10 Wood siding No
2003 370,000 Asphalt Shingles Roof 3,080 4 > $10,000 Deductible 240 3 Stone Siding No
1986 230,000 Asphalt Shingles Roof 1,590 3 > $10,000 Deductible 420 8 Stucco siding yes
1980 565,000 Wood Shake Roof 4,830 5 $500- $1000 Deductible 1940 7 Stone Siding yes
2004 200,000 Composition Roof 1,750 3 > $10,000 Deductible 520 12 Fiber-Cement Siding No
2013 395,000 Tile Roof 3,250 4 $500 Deductible 1850 9 Wood siding No
2009 180,000 Slate Shingles Roof 1,650 3 $500 Deductible 470 6 Fiber-Cement Siding No
1980 260,000 Membrane Roof 1,820 3 $1000-$2500 Deductible 620 7 Stucco siding No
2012 280,000 Slate Shingles Roof 2,610 5 $500- $1000 Deductible 1490 12 Brick siding No
2012 200,000 Membrane Roof 1,960 5 $500- $1000 Deductible 430 6 Brick siding yes
2012 300,000 Membrane Roof 2,380 3 $1000-$2500 Deductible 1190 12 Wood siding yes
2003 405,000 Membrane Roof 2,920 4 $5000 to $10,000 Deductible 120 1 Fiber-Cement Siding No
2011 350,000 Membrane Roof 3,110 4 $5000 to $10,000 Deductible 630 9 Vinyl siding yes
2009 190,000 Metal Roof 1,740 4 $1000-$2500 Deductible 240 3 Fiber-Cement Siding yes