Reno, NV Home Insurance - Analysis On Quotes, Rates & Agents

Reno, NV Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Reno, NV. The average cost of insurance in Reno, NV is $701. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Reno, NV

National Average Premium State Average Premium Reno Average Premium
$1,438 $641 $701

Top Home Insurance Companies in Reno, NV | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Reno, NV.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Travelers $733 $879 $1,143 $1,577
Safeco $724 $869 $1,129 $1,558
Farmers $628 $753 $980 $1,352
Universal Insurance $668 $801 $1,042 $1,438

Reno, NV Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 267.43
$150,000 To $174,999 362.2
$175,000 To $199,999 471.38
$200,000 To $249,999 561.09
$250,000 To $299,999 829.71
$300,000 To $399,999 1,062.34
$400,000 To $499,999 1,337.66
$500,000 To $749,999 1,712.21
$750,000 To $999,999 1,979.74
$1000,000 To $1499,999 2,180.39
$1500,000 To $2000,000 2,340.91

Visual Guide for Reno, NV Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Reno, NV | Back to Top

Home Insurance Company Near Reno, NV Homeowners Insurance Agency Near Reno, NV Address
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

List of Reno, NV Home Insurance Agents by Companies


Reno, NV Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $91.13 on the home insurance premium is offered to Reno, NV homeowners who have no previous history of claims filed, Reno, NV homeowners with one claim have to file an additional home insurance rate of $35, while Reno, NV homeowners with 2 claims have to pay $91 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -91 610
One Claim +35 736
Two Claim +91 792


Reno, NV Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
89511 458,700 652
89510 373,600 662
89509 324,800 659
89523 277,700 666
89501 227,000 662
89503 190,200 673
89502 171,300 673
89506 159,400 680
89512 130,900 659

Factors Affecting Home Insurance Premiums in Reno, NV

Reno, NV homeowners pay an average home insurance premium of $701. Homeowners in Reno, NV can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Reno, NV Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 297
3 Bedroom 816
4 Bedroom 853
5 Bedroom 1,669

Reno, NV Home Insurance Premiums for Different Deductibles | Back to Top

Reno, NV Homeowners with a deductible of $500 pay a higher amount for home insurance, while Reno, NV homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 693
$1000 Deductible 627
$1500 Deductible 590
$2000 Deductible 535
$2500 Deductible 503

Reno, NV Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Reno, NV pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 526
Year 30 Old 712
Year 40 Old 719
Year 50 Old 728
Above Year 50 735

Reno, NV Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 91 610
Masonry 35 666
Brick 35 666
Superior 63 638
Hail Resistant Roof 14 687

Top Saving Tips on Reno, NV Homeowners Insurance | Back to Top

Reno, NV Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Reno, NV Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Reno, NV homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Reno, NV homeowners can take advantage of to increase their savings.

Reno, NV Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 133 568
Retiree Discount (Senior Citizen Discount) 98 799
Newly Constructed Home 175 526

Reno, NV Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 98 603
Fire Extinguishers 49 652
Smoke Detectors 70 631
Sprinkler System 70 631
Fire Alarm 63 638
Burglar Alarm 63 638
Lightning Protection 14 687

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.
Allstate
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
Allstate
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.
Allstate
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.
Allstate
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.
Nationwide
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.
Geico
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.
American National Property And Casualty Company
I would recommend them! As I said, they were quite helpful in an actual claim situation - easy to reach, thoughtful, and helpful.
Nationwide
Deductible was comparable to other policies but I was able to get it at a lower cost than some of the other companies.
Progressive
From what I have seen, my insurance company has been able to provide me with better coverage than what I had previously expected to get from like wise price ranges.
Allstate
The customer service seems to be sufficient enough for my needs. I have an agent I can reach whenever I have an issue and can consult with.
Farmer's Insurance
The offerings of my home insurance company policy seem similar to other insurance providers. I am not aware of any offerings that are available through other companies that are not available to me on this policy.
Nationwide
Nationwide is always a phone call away. if and when you need them, they will come right away to help you.
Allstate
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.
Travelers
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.
Allstate
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
Allstate
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.
Geico
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.
Allstate
If someone is looking for quality insurance i WOULD SUGGEST THEM, BECAUSE OVERALL i HAVE BEEN PRETTY HAPPY, AND THEY GET TO ISSUES QUICKLY.
Geico
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
Allstate
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.
Travelers
long time holds and the prompt response are the two things they need to improve.
Allstate
Allstate home insurance company provides low interest rate and good financial help.