Spring Creek Insurance Rates:
Spring Creek, NV homeowners insurance is nearly $549 to $748, about $45-$62/month. Our detailed research indicates shoppers can save upto $259 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
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Top Home Insurance Agents Near Spring Creek, NV
| Home Insurance Company Near Spring Creek, NV |
Homeowners Insurance Agency Near Spring Creek, NV |
Address |
| Liberty Mutual |
Anthony Buzzetti |
225 Silver St. Ste - 103, Elko, NV, 89801 |
| State Farm |
Brent Stokes |
698 5th St, Elko, NV, 89801-3551 |
| Allstate |
Gregory Insurance Ag |
789 RAILROAD ST, ELKO, NV, 89801 |
| Allstate |
Gregory Insurance Ag |
789 Railroad St, Elko, NV, 89801 |
Spring Creek, 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 |
| Lamoille CDP, Nevada |
$92 |
$123 |
$185 |
| Elko CCD, Elko County, Nevada |
$96 |
$128 |
$192 |
| Osino CDP, Nevada |
$94 |
$125 |
$188 |
Spring Creek, 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 |
| Spring Creek, NV | 3.5% | 10.3% |
| Elko | 3.58% | 14.12% |
| Osino | 3.38% | 10.28% |
| Carlin | 4.53% | 14.54% |
Spring Creek Renters Insurance as a Percentage of Rent
| Spring Creek Home By Monthly Rent |
Total Homes |
% of Total |
Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|
| $500 to $749 |
54 |
9.0% |
$1914 |
| $750 to $999 |
174 |
30.0% |
$2664 |
| $1,000 to $1,499 |
206 |
35.0% |
$3789 |
| $1,500 or more |
139 |
24.0% |
$5439 |
Spring Creek, NV Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible |
|---|
| Deductible | $800 | $1,800 |
| Yearly Spring Creek Homeowner Insurance Premium Example | $1,100 | $900 |
| Out of Pocket Expense During Claim | $800 | $1,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim |
$9,600 | $9,000 |
| Net Savings to Spring Creek Home Owner from High Deductible Plan |
$600 |
Spring Creek, NV Home Insurance Costs With Home Replacement Value Scenarios
| Scenario |
Spring Creek, NV Home Replacement Value MORE than Home Value |
Spring Creek, NV Home Replacement Value LESS than Home Value |
| Replacement Value |
$304,500 |
$209,500 |
| Insurance Premium based on Replacement Value |
$1,275 |
$875 |
| Risk Exposure from Under Insuring Coverage |
Unnecessary Home Insurance Coverage of $28,500 |
Risk Exposure from Under Insuring Coverage is $66,500 |
| Premium Impact |
Insurance cheaper by $275/year |
Insurance costlier by $125/year |
Example Spring Creek Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company |
Amica Mutual Insurance Company | Liberty Mutual | American Family Insurance |
| Monthly Premium |
138 | 84 | 53 |
| Year Built |
2010 | 2003 | 1994 |
| Home Details |
4 Beds, 3 Baths | 5 Beds, 3 Baths | 4 Beds, 2 Baths |
| Coverage Amount |
$400000-$500000 | $250000-$300000 | $200000-$250000 |
| Deductible |
$5000 to $10,000 Deductible | $500- $1000 Deductible | > $10,000 Deductible |