Reno Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Reno


Home insurance should be a critical consideration for every homeowner. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, having a home insurance policy is a solid investment.

The price of a homeowners insurance policy depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils likewindstorms, hail, fire, or even theft , home insurance policies may be more expensive to account for the extra risk. Learn more info about the specifics of home insurance coverage.

If you want to find cheap home insurance coverage in Reno, start with shopping around and comparing a variety of different policies. . Take a look at the summary below showing average home insurance premiums in Reno to help you get as much information as possible when you start your search for homeowners insurance. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Reno, Nevada, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Reno by insurance company

Homeowners insurance rates in Reno vary from one insurance company to another. The most inexpensive home insurance in Reno comes from Universal Insurance, which offers average annual rates of just $537 per year. This is more favorable than the city’s average home insurance premium of $937.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Reno, Nevada.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN RENO
CompanyAverage Annual Rate
Universal Insurance$537
Farmers$605
Safeco$645
State Farm$770
Country$773

Average homeowners insurance costs in Reno by coverage level

How much you spend on home insurance coverage is greatly influenced by the level of coverage you choose. In Reno, carrying $200K dwelling coverage costs an average of $711, while carrying additional coverage up to $400K costs $1,205 per year.


HOMEOWNERS INSURANCE RATES IN RENO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$711
$400K Dwelling$1,205

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Reno home insurance rates by ZIP code

Not every area of Reno has equal home insurance premiums. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

The cheapest home insurance rates in Reno are available in 89523. In 89523, the typical home insurance policy costs $901 per year — $36 less than the citywide average in Reno. Find the best places to live in Reno for cheap home insurance by looking at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN RENO
ZIP CodeAverage Annual Home Insurance Rate
89523$901
89509$908
89519$913

Other areas of Reno, however, face homeowners rates that are higher than the city average . Crime rates, fire risk, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up premiums in the area. With an annual average premium of $972, 89508 comes in as the most expensive ZIP code in Reno for home insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN RENO
ZIP CodeAverage Annual Home Insurance Rate
89508$972
89512$964
89510$960



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Money-saving tip: bundle home and auto insurance in Reno

If you’re seeking savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Reno leads to average annual savings of 11%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN RENO
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$1,190
Progressive$1,385
State Farm$1,432
Allstate$1,596
Farmers$1,859

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. To speak with an insurance professional, give us a call at 855-493-9728 today.


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