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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How to find affordable homeowners insurance in Reno

One of the most important aspects of homeownership is home insurance. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. With the relative frequency of such perils — and the high cost of rebuilding or repairing damages to a home — obtaining homeowners insurance is a smart investment. The average homeowners policy costs $78 per month in Reno, Nevada. This is significantly less than the national average monthly cost of home insurance.

What you pay for homeowners insurance 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. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Discover more about what a home insurance policy covers.

If you want to find cheap home insurance in Reno, start by looking around and comparing a variety of different policies. Check out the below summary of average homeowners insurance rates in Reno to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings


Reno home insurance by company

What you pay for homeowners insurance in Reno will depend on the insurance company you get your policy through. The most affordable home insurance in Reno is Universal Insurance offering average annual rates at just $537 per year. This is considerably cheaper than the city’s average homeowners premium of $937.

Start your search for a home insurance policy by reviewing the cheapest home insurance companies in Reno, Nevada, listed below. Then, see our guide ranking the best home insurance carriers by customer satisfaction and other factors.

Company Average Annual Rate
Universal Insurance $537
Farmers $605
Safeco $645
State Farm $770
Country $773


Reno homeowners insurance prices by coverage level

Your chosen level of homeowners coverage impacts the insurance premiums you pay. Homeowners in Reno who carry $200K in dwelling coverage pay an average of $711 per year, while those with coverage up to $400K pay around $1,124 per year.

Coverage Level Average Annual Rate
$100K Dwelling $451
$200K Dwelling $711
$250K Dwelling $775
$400K Dwelling $1,124


Reno home insurance rates by ZIP code

Not every area of Reno has equal home insurance costs. The number of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the location of your home could have a huge impact on what you pay for homeowners coverage.

To find the most affordable homeowners coverage in Reno, look no further than 89523. In the 89523 area, homeowners policies typically cost just $901 per year — a full $36 less than the Reno average. The below table shows the best places to live in Reno if you’re looking for affordable homeowners insurance.

ZIP Code Average Annual Home Insurance Rate
89523 $901
89509 $908
89519 $913

Some parts of Reno, however, have home insurance premiums that are higher on average. Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. With an annual average premium of $972, 89508 comes in as the costliest ZIP code in Reno for home insurance.

ZIP Code Average Annual Home Insurance Rate
89508 $972
89512 $964
89510 $960


Reno homeowners insurance deductibles

One of the many decisions to be made when shopping for a homeowners policy is the amount of your deductible. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. The deductible that you decide on can impact how much you pay in insurance premiums.

Put simply, having a higher deductible translates to cheaper insurance rates. Therefore, if you are wanting lower home insurance rates, you'll need to increase your deductible. Keep in mind that your deductible should only be as high as you can reasonably pay if you suffer a loss.

The following table illustrates the average premiums associated with deductibles offered by most home insurers.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $847
$1,000 $775
$1,500 $735
$2,000 $699
$5,000 $581


Home and auto insurance bundling in Reno

You might want to consider purchasing your auto and home insurance policies through the same company if you are looking to save on overall insurance costs. Bundling home and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, Reno homeowners could see annual savings of 11% on average.

Company Avg. Annual Auto Insurance Rate (With Bundle)
GEICO $1,190
Progressive $1,385
State Farm $1,432
Allstate $1,596
Farmers $1,859

Compare quotes on Reno, NV home insurance today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.