Spanish Springs, NV Home Insurance - Analysis On Quotes, Rates & Agents
Spanish Springs Insurance Rates:
Spanish Springs, NV homeowners insurance is approximately $559 to $762, about $46-$63/month. Our in depth analysis reveals consumers can save upto $264 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
American Family InsuranceThey are always there to help, calls to check on my needs, offers discounts and they understand my late payments.
State FarmI will recommend the company due to its quick processing, the policy claim is the main thing that we have to note.
Spanish Springs, NV Homeowners Insurance By Home Value
| Spanish Springs, NV Home Value | Total Homes | % of Total | Average Spanish Springs, NV Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 44 | 1.0% | $66 |
| $100,000 to $124,999 | 182 | 4.0% | $290 |
| $125,000 to $149,999 | 200 | 4.0% | $363 |
| $150,000 to $174,999 | 502 | 12.0% | $429 |
| $175,000 to $199,999 | 423 | 10.0% | $495 |
| $200,000 to $249,999 | 935 | 23.0% | $594 |
| $250,000 to $299,999 | 784 | 19.0% | $726 |
| $300,000 to $399,999 | 910 | 22.0% | $924 |
Top Home Insurance Agents Near Spanish Springs, NV
| Home Insurance Company Near Spanish Springs, NV | Homeowners Insurance Agency Near Spanish Springs, NV | Address |
|---|---|---|
| NA | Ais Incorporated | 5400 Mill St, Reno, NV, 89502 |
| State Farm | John Scott | 1476 Highway 395 North, Gardnerville, NV, 89410 |
| Allstate | Mitch Harrigan | 500 W Plumb Ln Ste B, Reno, NV, 89509 |
| Allstate | Richied & Associate | 10425 DOUBLE R BLVD, RENO, NV, 89521 |
| State Farm | Roxanne Duffield | 10775 Pioneer Trl Ste 211C, Truckee, CA, 96161-0234 |
Cost Of Homeowners Insurance By Street Near Spanish Springs, NV
| Streets in Spanish Springs Area | Homeowners Insurance Cost |
|---|---|
| Jennifer Lee Ln, la Posada Dr, Orange Plains Dr, Gosling Ct, S Tropicana Cir, Rioja Ct, Monumental Cir, Haistar Ct, Sky Canyon Ct, Valle de Sol Ct | $662 |
| Rogers Ranch Rd, Ringneck Ct, Pilot Dr, Contrail St, Spanish Trail Dr, Erin Dr, Pilot Ct, Adobe Springs Ct, Sticklebract Dr, Anthem Dr | $659 |
| Webfoot Ct, Lindberg Ln, Chara Ln, Golden Plover Ct, Emanuel Ct, Bareback Ct, Savant Ct, Hubble Ct, Sunset Vista Ct, Spoonbill Dr | $658 |
| Cherry Springs Ct, Pelican Ct, S Largo Dr, Carefree Dr, Miller Springs Ct, Bloomfield Ln, Linterna Ln, Piedras Dr, Sanderling Ct, Skyfire Ct | $650 |
| Sunlit Ct, Krug Dr, Patrina Way, Virgo Ct, N Gobi Cir, Desertscape Ct, Draco Dr, Ogden Trail Dr, Bella Oaks Dr, Sagerdahl Ct | $663 |
Spanish Springs, NV Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Spanish Springs | $98 to $101 |
| Warm Springs-Truckee Canyon | $99 |
| Sparks | $96 |
| Sun Valley | $91 |
Spanish Springs, 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 |
|---|---|---|---|
| Warm Springs-Truckee Canyon CCD, Washoe County, Nevada | $99 | $132 | $198 |
| Sparks city, Nevada | $96 | $128 | $192 |
| Sun Valley CCD, Washoe County, Nevada | $92 | $122 | $183 |
Spanish Springs, NV Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Spanish Springs, NV | 2.9% | 10.1% |
| Warm Springs-Truckee Canyon | 2.81% | 10.2% |
| Sparks | 3.12% | 12.63% |
| Sun Valley | 4.04% | 11.72% |
Spanish Springs Renters Insurance as a Percentage of Rent
| Spanish Springs Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 11 | 1.0% | $1231 |
| $1,000 to $1,499 | 367 | 47.0% | $3781 |
| $1,500 or more | 393 | 50.0% | $5431 |
Spanish Springs, NV Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $600 | $2,600 |
| Yearly Spanish Springs Homeowner Insurance Premium Example | $1,800 | $1,400 |
| Out of Pocket Expense During Claim | $600 | $2,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $15,000 | $13,800 |
| Net Savings to Spanish Springs Home Owner from High Deductible Plan | $1,200 | |
Spanish Springs, NV Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Spanish Springs, NV Home Replacement Value MORE than Home Value | Spanish Springs, NV Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $362,500 | $248,500 |
| Insurance Premium based on Replacement Value | $1,550 | $1,075 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $37,000 | Risk Exposure from Under Insuring Coverage is $77,000 |
| Premium Impact | Insurance cheaper by $325/year | Insurance costlier by $150/year |
Example Spanish Springs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Nationwide Insurance | American Family Insurance | Farmers Insurance |
| Monthly Premium | 80 | 206 | 201 |
| Year Built | 2008 | 1997 | 2012 |
| Home Details | 4 Beds, 3 Baths | 5 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $500000-$600000 | $500000-$600000 |
| Deductible | $500 Deductible | $1000-$2500 Deductible | $500 Deductible |
Sample Home Insurance Rates for Spanish Springs, NV from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2005 | 655,000 | Asphalt Shingles Roof | 4,510 | 5 | $1000-$2500 Deductible | 2750 | 10 | Stone Siding | No |
| 2001 | 650,000 | Asphalt Shingles Roof | 4,270 | 5 | $500 Deductible | 1540 | 5 | Vinyl siding | No |
| 2011 | 235,000 | Metal Roof | 1,500 | 5 | $500- $1000 Deductible | 680 | 9 | Vinyl siding | yes |
| 2014 | 625,000 | Asphalt Shingles Roof | 4,650 | 5 | $2500-$5000 Deductible | 580 | 3 | Stone Siding | yes |
| 2010 | 360,000 | Shingles Roof | 2,960 | 4 | $1000-$2500 Deductible | 510 | 4 | Brick siding | yes |
| 2007 | 730,000 | Membrane Roof | 4,600 | 5 | $500- $1000 Deductible | 580 | 2 | Stone Siding | No |
| 2006 | 455,000 | Metal Roof | 4,250 | 5 | > $10,000 Deductible | 1380 | 12 | Stucco siding | No |
| 2008 | 645,000 | Metal Roof | 4,160 | 5 | > $10,000 Deductible | 1080 | 8 | Stucco siding | yes |
| 2009 | 355,000 | Shingles Roof | 3,170 | 5 | $1000-$2500 Deductible | 1180 | 8 | Fiber-Cement Siding | yes |
| 2012 | 295,000 | Composition Roof | 2,330 | 4 | $500 Deductible | 390 | 3 | Wood siding | No |
| 2010 | 355,000 | Composition Roof | 2,260 | 4 | $500 Deductible | 530 | 3 | Wood siding | yes |
| 2012 | 350,000 | Composition Roof | 2,580 | 5 | $2500-$5000 Deductible | 960 | 7 | Wood siding | No |
| 1999 | 480,000 | Membrane Roof | 3,260 | 4 | $500 Deductible | 1650 | 10 | Stucco siding | yes |
| 2000 | 535,000 | Membrane Roof | 4,060 | 5 | > $10,000 Deductible | 650 | 5 | Wood siding | yes |
| 2007 | 440,000 | Tile Roof | 3,430 | 5 | > $10,000 Deductible | 550 | 6 | Vinyl siding | yes |
| 2011 | 280,000 | Shingles Roof | 2,590 | 4 | $1000-$2500 Deductible | 500 | 7 | Fiber-Cement Siding | yes |
| 2010 | 280,000 | Shingles Roof | 2,610 | 5 | $2500-$5000 Deductible | 90 | 1 | Fiber-Cement Siding | yes |
| 1997 | 200,000 | Slate Shingles Roof | 1,900 | 4 | $500- $1000 Deductible | 440 | 6 | Brick siding | yes |
| 2002 | 690,000 | Slate Shingles Roof | 4,610 | 5 | > $10,000 Deductible | 870 | 5 | Vinyl siding | yes |
| 2013 | 195,000 | Membrane Roof | 1,820 | 5 | $2500-$5000 Deductible | 560 | 12 | Wood siding | No |
| 2012 | 335,000 | Composition Roof | 2,330 | 4 | $1000-$2500 Deductible | 130 | 1 | Wood siding | yes |
| 2003 | 515,000 | Slate Shingles Roof | 3,210 | 4 | $5000 to $10,000 Deductible | 1600 | 9 | Vinyl siding | No |
| 2007 | 715,000 | Shingles Roof | 4,890 | 5 | $500 Deductible | 910 | 4 | Stucco siding | yes |
| 2014 | 275,000 | Asphalt Shingles Roof | 1,780 | 4 | $1000-$2500 Deductible | 270 | 3 | Stone Siding | yes |
| 2002 | 315,000 | Tile Roof | 2,230 | 4 | > $10,000 Deductible | 670 | 9 | Stone Siding | No |
| 2004 | 305,000 | Metal Roof | 2,250 | 5 | > $10,000 Deductible | 230 | 3 | Stucco siding | yes |
| 2004 | 350,000 | Wood Shake Roof | 2,270 | 5 | > $10,000 Deductible | 460 | 8 | Wood siding | No |
| 1996 | 495,000 | Tile Roof | 3,340 | 4 | $1000-$2500 Deductible | 1050 | 7 | Brick siding | yes |
| 2008 | 535,000 | Membrane Roof | 4,280 | 5 | $1000-$2500 Deductible | 380 | 3 | Vinyl siding | No |
| 2005 | 510,000 | Membrane Roof | 3,500 | 5 | $500- $1000 Deductible | 1380 | 8 | Stucco siding | yes |
| 2004 | 360,000 | Metal Roof | 3,360 | 5 | $500- $1000 Deductible | 1020 | 5 | Wood siding | No |
| 2014 | 520,000 | Tile Roof | 3,980 | 5 | $2500-$5000 Deductible | 2170 | 12 | Vinyl siding | No |
| 1999 | 425,000 | Composition Roof | 3,620 | 5 | > $10,000 Deductible | 640 | 8 | Stone Siding | yes |
| 2010 | 675,000 | Slate Shingles Roof | 4,280 | 5 | $500 Deductible | 1050 | 3 | Stucco siding | yes |