Reno Insurance Rates:

Reno, NV homeowners insurance is nearly $554 to $751, about $46-$62/month. Our extensive analysis reveals consumers can save upto $260 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

American Family Insurance
I would recommend this insurance company. I use it as does everyone in my family- both my parents and my older sibling. We've all been very satisfied with their coverage and customer service.
State Farm
State farm offers many policies and tailor them to your needs. I have minimum coverage its cheapest vut still get free road side assistance.
I think compared to other companies allstate has as good if not better policies and ranks up there with state farm and probably progressive as well
My premium is considerably low for the coverage I have. For the year, it turns out to be very cheap when its broken down by month.
I would recommend them because I haven't had any issues with them over the years. I haven't had contact with them one way or the other - I guess no news is good news.
I would recommend Allstate because my family and I have been using their services for home and car insurance for many years and have never had a problem. The customer service is almost instant and the staff is extremely polite.
I've had a good relationship with my home insurance. It can be a bit expensive but other than that I enjoy using nationwide.
Liberty Mutual
Offerings are standard among insurance companies. I do not see anything that is offered that is different than other companies. I have not dug around the website much or asked what unique offerings they have.
American Family Insurance
Mine has been fine so far, it covers mostly everything and I havn't had to use it for now and they do not consitently spam me about my policy as other companies do.
I would say Geico offers just as much as most other insurance companies, if not more so I'd give them a 4 out of 5.
Nationwide is always a phone call away. if and when you need them, they will come right away to help you.
This could just be my location, but employees seem to be getting fished out. i'm all for advancements in technology, i believe a computer can help me more than a person, but the actual employees seem to take forever. i am often left waiting on the phone or handled person to person in a very slow manner.
State Farm
State farm has finally realized that the world no longer needs community insurance agents. the agent in our area no longer feels the need to stay in touch. if we need to process a claim, we can do that online.
I like their customer service. They are well trained. It seems they are not reading from a manual like most of the customer service. They can give you an answer to your question on top of their head. They are definitely well trained.
I wish rates were cheaper and didn't increase each year, but I think that's common with most insurance companies so I guess it's just the way it goes. Based on my overall experience with Allstate, I would recommend them to people looking for good insurance at pretty reasonable prices.
Farmer's Insurance
The communication with the actual insurance company has never been bad, however, the new agent that took over is less than pleasant.
State Farm
I love my State Farm Insurance company, they are always nice and have the best customer service. I think I would rate it on a scale of 1.
American Insurance
My rep has always gone above and beyond for me
State Farm
They have always been there for me to answer questions or respond to a claim when needed. They do not pester me with offers and things that I do not require
The company's website is very detailed and is very easy to understand. There is an option for online help if it is needed. The site is very user-friendly and catches the eye easily. There are very rarely any errors when using, browsing, etc. The colors are pleasing to the eye.
There is a lot I dislike about the home insurance company. The premiums are higher and the service, although alright, is also limited.
Mapfre Insurance
I like the ability to bundle car and home policies and receive a discount. The policies are prepared on time and payments can be made via the website or electronically through my bank. Their local representative is also very good.
American Family Insurance
I dislike the way they communicate. They don't. I don't like how they own up to their mistakes. They don't. I really would like them to do their job.
State Farm
state farm is a good company but their premiums are not cheap and deductibles are high. Overall I like them and I can depend on them if I do ever need anything or to file a claim.
American Family Insurance
I would recommend this company to my friends. The agents are pleasant and very helpful the dis count program is great and the new Dream Reward program is over the top.
I love this company they have good insurance and I love how convenient and how they have good coverage on everything.
American Family Insurance
Once you submit your signed purchase agreement, we’ll compare your rate to our published rates for that date and re-lock your interest rate at the lower of the two rates for an additional 40 to 60 days
As of now, I don't have any complaints or issues with them. I haven't had to file a claim or anything either, so it could change down the road, but I hope not.
long time holds and the prompt response are the two things they need to improve.
Allstate home insurance company provides low interest rate and good financial help.

Reno, NV Homeowners Insurance By Home Value

Reno, NV Home Value Total Homes % of Total Average Reno, NV Homeowners Insurance
Less than $50,000 3,188 8.0% $71
$50,000 to $59,999 613 1.0% $149
$60,000 to $69,999 586 1.0% $182
$80,000 to $89,999 855 2.0% $241
$90,000 to $99,999 700 1.0% $273
$100,000 to $124,999 2,439 6.0% $319
$125,000 to $149,999 2,609 7.0% $397
$150,000 to $174,999 3,943 10.0% $469
$175,000 to $199,999 3,375 9.0% $541
$200,000 to $249,999 5,759 15.0% $652
$250,000 to $299,999 5,305 14.0% $795
$300,000 to $399,999 6,865 18.0% $1010

Top Home Insurance Agents Near Reno, NV

Home Insurance Company Near Reno, NV Homeowners Insurance Agency Near Reno, NV Address
NA Alex Pieters Insurance Agency 1559 Desert Drive , Minden, NV, 89423
State Farm Bob Bentley Jr 248 E Liberty St, Reno, NV, 89501-2211
Allstate Chaidez & Associates Llc 1190 Selmi Dr Ste 103, Reno, NV, 89512
Allstate Mark Kerber 716 H St, Sparks, NV, 89431
Farmers William Mcdowell 1023 Rock Blvd, Sparks, NV, 89431

Reno, NV Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Reno, NV

Streets in Reno Area Homeowners Insurance Cost
Summit Ridge Rd, W Cygnet Cir, Torobie Cir, Marvel Way, Windycrest Dr, N Arlington Ave, Via Contento Ct, Washington St, Oldenburg Ct, Cliff Hanger Dr$650
Machen Cir, Newlands Cir, Waldron Ln, Budrow Dr, Doc Olena Ct, River Gorge Ct, Mesa Park Rd, Sleepy Hollow Dr, S Rock Blvd, Elk Ct$661
Escalera Ct, Gilvarry St, Brown St, Fall River Cir, Old US Hwy 395 N, Sommerville Way, Marsh Ave, St Lawrence Ave, Anne Marie Ct, Birmingham Pl$631
Citron St, Torrington Dr, Drew Dr, Ballentyne Way, Alicia Way, Elko Ave, Antelope Valley, Longhorn Dr, Greenwich Way, Shadow Crest Cir$600
Preakness Ct, Moab Ct, Shelter Ct, Hemlock Way, Swaledale Dr, Summer Glen Dr, Virginia St, Regal Dr, Jaeger Ct, Meadowood Mall Cir$682
Austin Creek Ct, Basque Oven Rd, Lafayette Ln, Palmira Dr, Buckaroo, Marmara Dr, Orovada St, Prairie Rose Pl, Fieldcreek Ln, Orca Way$685
S Whisperwood Dr, E 11th St, Pasture View Rd, Toiyabe St, Klondike Dr, Arbor Ct, Flint St, Willow St, Las Brisas Blvd, Kirkland Ct$697
Oakley Ln, Still Meadow Dr, Sapphire Canyon Ct, Primula Way, Quail Run Rd, Greeley Ct, Samuel Way, Aspen Glen Rd, Isbell Rd, Outback Ln$752
Sysonby Ct, Firethorn Cir, Partridge Way, Meyers, Aquamarine Ct, Calgary Ct, Sienna Station Way, Kiwi Ct, Morgan Pointe Cir, Eucalyptus Ct$682
Desna St, Andesite Ave, Devon Dr, Fort Churchill Rd, Fulmar Ct, Springer Ct, Blue Lakes Ct, Hacienda Dr, Noche Ln, Kewanna Trl$631

Reno, NV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Reno$97 to $100
Reno North$97
Golden Valley$99

Reno, 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
Reno North CCD, Washoe County, Nevada $97 $129 $194
Mogul CDP, Nevada $104 $138 $207
Golden Valley CDP, Nevada $99 $132 $198

Reno, 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
Reno, NV3.1%10.9%
Reno North3.13%11.7%
Golden Valley2.62%10.25%

Reno Renters Insurance as a Percentage of Rent

Reno Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 815 1.0% $787
$300 to $499 3,038 6.0% $1237
$500 to $749 11,316 24.0% $1912
$750 to $999 13,599 29.0% $2662
$1,000 to $1,499 11,389 25.0% $3787
$1,500 or more 4,865 10.0% $5437

Reno, NV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Reno Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,900$4,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,100$12,100
Net Savings to Reno Home Owner from High Deductible Plan $1,000

Reno, NV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Reno, NV Home Replacement Value MORE than Home Value Reno, NV Home Replacement Value LESS than Home Value
Replacement Value $393,000 $283,500
Insurance Premium based on Replacement Value $2,000 $1,450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,500 Risk Exposure from Under Insuring Coverage is $71,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $200/year

Example Reno Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceFarmers InsuranceAmerican Family Insurance
Monthly Premium 6419891
Year Built 198619902012
Home Details 4 Beds, 3 Baths5 Beds, 4 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$400000-$500000$200000-$250000
Deductible > $10,000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 215,000 Metal Roof 1,870 4 $2500-$5000 Deductible 230 4 Wood siding yes
2007 130,000 Metal Roof 1,240 2 $1000-$2500 Deductible 120 4 Stone Siding yes
1972 490,000 Tile Roof 4,610 5 > $10,000 Deductible 450 6 Vinyl siding yes
1992 280,000 Slate Shingles Roof 2,370 5 > $10,000 Deductible 500 9 Wood siding No
2010 125,000 Shingles Roof 1,260 2 $2500-$5000 Deductible 340 7 Wood siding No
2003 630,000 Tile Roof 4,800 5 > $10,000 Deductible 520 4 Vinyl siding yes
1990 235,000 Metal Roof 2,070 4 $5000 to $10,000 Deductible 170 2 Vinyl siding yes
2010 285,000 Wood Shake Roof 2,190 3 > $10,000 Deductible 190 4 Stone Siding yes
1983 245,000 Shingles Roof 1,740 5 > $10,000 Deductible 380 6 Wood siding yes
1983 410,000 Metal Roof 2,810 4 $1000-$2500 Deductible 870 7 Stucco siding yes
1977 170,000 Slate Shingles Roof 1,650 2 $500 Deductible 890 12 Vinyl siding No
1989 345,000 Membrane Roof 3,080 4 $1000-$2500 Deductible 680 5 Stucco siding yes
1972 250,000 Wood Shake Roof 1,790 2 $5000 to $10,000 Deductible 330 5 Stucco siding yes
1994 345,000 Asphalt Shingles Roof 3,040 4 $5000 to $10,000 Deductible 90 1 Vinyl siding yes
1979 385,000 Wood Shake Roof 2,990 4 $500 Deductible 920 7 Fiber-Cement Siding yes
1989 160,000 Tile Roof 1,600 3 $500- $1000 Deductible 230 4 Stone Siding No
2011 270,000 Shingles Roof 2,250 4 $5000 to $10,000 Deductible 530 9 Wood siding yes
1993 405,000 Membrane Roof 2,960 5 $2500-$5000 Deductible 780 8 Stone Siding No
2000 495,000 Tile Roof 3,970 5 $500 Deductible 2650 12 Fiber-Cement Siding No
2007 165,000 Slate Shingles Roof 1,670 4 $5000 to $10,000 Deductible 130 3 Wood siding yes
2002 175,000 Tile Roof 1,300 2 $5000 to $10,000 Deductible 710 12 Fiber-Cement Siding yes
1992 245,000 Wood Shake Roof 2,120 3 $1000-$2500 Deductible 550 7 Brick siding yes
1970 265,000 Shingles Roof 2,130 4 $500 Deductible 210 2 Fiber-Cement Siding yes
1975 150,000 Shingles Roof 1,070 2 $5000 to $10,000 Deductible 410 9 Fiber-Cement Siding No
2012 245,000 Slate Shingles Roof 1,850 4 > $10,000 Deductible 50 1 Fiber-Cement Siding yes
1983 265,000 Membrane Roof 2,140 3 > $10,000 Deductible 430 10 Stucco siding yes
2001 430,000 Slate Shingles Roof 3,660 5 $500 Deductible 320 2 Vinyl siding yes
2012 330,000 Tile Roof 2,930 4 $5000 to $10,000 Deductible 740 10 Fiber-Cement Siding yes
2009 270,000 Slate Shingles Roof 2,200 3 > $10,000 Deductible 340 6 Stucco siding yes
1989 105,000 Metal Roof 990 2 $500- $1000 Deductible 240 9 Brick siding No
1984 310,000 Tile Roof 2,785 4 > $10,000 Deductible 700 5 Wood siding No

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