Check out the most popular Home Insurance agencies & companies in Sparks, NV & compare the best quotes from them.
The average price of home insurance in Sparks, NV, is $653.78. As a homeowner in Sparks, NV, it's important to have homeowner's insurance to protect your investment. Homeowner's insurance is essential because it can help cover the cost of repairs or replacement if your home is damaged by fire, wind, hail, water, or other covered events. It can also help pay for temporary living expenses if your home is uninhabitable due to damage. In addition, homeowner's insurance can provide liability coverage if someone is injured on your property. While Sparks, NV, is a relatively safe place to live, there are still risks that come with owning a home. Homeowner's insurance can help give you peace of mind in knowing that you and your home are protected in the event of an unexpected disaster.
However, before choosing a home insurance policy, homeowners should compare quotes from several home insurance providers in Sparks, NV. Here are some of the best home insurance providers in Sparks, Nevada, who provide insurance at affordable prices.
Factors affecting home insurance in Sparks, NV:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by the age of the house
4. Home insurance rates by the safety features
1. Homeowners Insurance in Sparks, NV - Rates by Coverage Level
Homeowners insurance rates are determined by many factors, including the coverage level you choose. A higher coverage level usually means a higher premium, but it may also give you more peace of mind and protection in the event of a covered loss. Most homeowners insurance policies cover the dwelling, other structures on the property, personal belongings, and liability. The dwelling is the house itself, and other structures include detached garages, sheds, and fences. Personal belongings are things like furniture, clothing, and electronics. The amount of coverage you need depends on the value of your home and belongings. You may want to purchase a policy with a higher coverage limit if you have many valuable items. You should also consider the amount of liability coverage you need. This coverage protects you if someone is injured on your property or if you accidentally damage someone else's property. The amount you pay for your homeowner's insurance policy depends on the coverage level you choose. A higher coverage level means a higher premium, but it may also give you more peace of mind and protection in the event of a covered loss. For example, homeowners in Sparks, Nevada, who choose a coverage level of $300K pay $1096 for home insurance, and those who choose a coverage level of $100K, who pay $263. The applicable house insurance prices in Sparks, Nevada, dependent on the coverage level, are shown in the chart below.
2. Homeowners Insurance in Sparks, NV - Rates by Deductibles
The policyholder's deductibles often determine homeowners' insurance rates. The higher the deductible, the lower the premium, and vice versa. In many cases, homeowners will choose a deductible they feel comfortable paying out of pocket in case of a claim. It is important to remember that the deductible is the amount that must be paid before the insurance company will begin to pay on a claim. Therefore, it is important to have enough money saved up to cover the deductible in the event that something does happen. Thus, the greater the deductible, the lower the home insurance rates in Sparks, NV. Homeowners who chose a deductible of $2000 pay $499 toward their home insurance in Sparks, NV. Homeowners who chose a deductible of $500 pay $645 toward their home insurance in Sparks, NV.
3. Homeowners Insurance in Sparks, NV - Rates by the Age of the Home
As you get older, your home’s value changes. The home insurance company will consider this factor when they calculate your premium. Home insurance rates by the age of the home can vary significantly. Generally speaking, the older your home, the higher your premium. This is because older homes are more likely to have problems that need to be fixed, such as a leaky roof or outdated electrical system. On the other hand, if you have a newer home, you may be eligible for a discount because insurers see your home as less of a risk. In Sparks, Nevada, homeowners insurance for houses 30 or 40 years old costs $663 and $670, respectively, whereas homeowners insurance for newly constructed homes costs only $490.
4. Homeowners Insurance in Sparks, NV- Rates by the Safety Features
A home security system can help deter burglars and alert the authorities in case of a break-in. Another important safety feature is a fire alarm system. This can help to alert you and your family in the event of a fire and can also help to lower your insurance rate. Other safety features that can help to lower your homeowner's insurance rate include smoke detectors, deadbolt locks, and fire extinguishers. These are just a few of the different safety features that can help to keep your home and family safe and can also help to lower your insurance rate. For example, In Sparks, Nevada, residences with deadbolts and fire extinguishers pay $608 and $581 for home insurance, respectively.
Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
---|---|---|
State Farm | A | 19.79% |
Allstate | A+ | 9.81% |
Liberty Mutual | A | 7.63% |
Travelers | A++ | 5.66% |
Erie | A+ | 3.4% |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Arzak Mobarak | 1476 Highway 395 North 89410 |
775-782-5102 | |
Jim Mcknight | 1281 TERMINAL WAY STE 219 89502 |
775-786-8838 | |
Deanne August | 1466 US Highway 395 N 89410 |
(775) 841-4177 | |
Jim Mcinnes | 685 E MOANA LN 89502 |
775-825-5862 | |
Carmen Mihaila | 3735 Lakeside Dr Ste B 89509-4856 |
775-826-2111 | |
Clark B Rustand | 59 Damonte Rch Pkwy Ste A 89521-2989 |
775-327-4800 | |
Daniel Burris | 59 Damonte Ranch Pkwy 89521-2989 |
775-327-4800 | |
Michael Segall | 10315 Professional Circle Suite 115 89521 |
1-775-323-8600 | |
Calhoun Ins Agency | 79 7th St Ste 1 89408-8442 |
775-575-6800 | |
Kevin Lashley | 12277 SOARING WAY STE 202 96161 |
530-587-5870 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Brock Evans | 2875 Nortown Ln Ste H 89512-2062 |
775-284-0852 | |
Debra Lange | 2955 Vista Blvd Ste 103 89434 |
(775) 626-3400 | |
Preeya Mistry | 123 W Nye Ln Ste 705 89706 |
(775) 884-6117 | |
David Wilson Lutcf | 1102 N Curry St 89703 |
(775) 885-0100 | |
Bill Wade | 1701 County Rd Ste G 89423-4465 |
775-782-7107 | |
Urszula Prominski | 295 S Maine St 89406 |
(775) 423-6501 | |
Erin J. Parker | 1466 US Highway 395 N 89410 |
(775) 841-4177 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Southwest Virginia Pro Insurance Agency | 216 East Liberty Street 89501 |
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Preferred Financial & Insurance Services | 708 N CENTER ST STE 105 www.preferredfinancial.com 89501 |
(775) 329-6656 | |
Sig Ridge T Agency | 6380 Mae Anna Ave, Unit 7 89533 |
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Precision Insurance Agency Llc | 112 W Telegraph St 89703 |
(775) 882-2131 | |
Voight Insurance Services Inc | 1855 Sullivan Ln 1855 Sullivan Ln 89431 |
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Goh Insurance Agency | 2955 Vista Blvd Ste 103 www.gohinsurance.com 89434 |
(775) 750-9680 Email:INFO@GOHINSURANCE.COM |
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C Cable Insurance Inc | 3590 W Plumb Ln Ste B www.cableinsurancewa.com 89509-3088 |
775-329-1191 Email:ccableins@gmail.com |
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Capital Insurance & Financial Services Inc | 9 Retail Rd Ste 1 89403-6365 |
775-246-2777 Email:lisa@lilesinsurancegroup.com |
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Tia Services Inc | 10425 Double R Blvd www.milnorinsurancegroup.com 89521 |
(775) 786-2731 Email:matt@milnorinsurancegroup.com |
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Montgomery Insurance Services | 216 N MINNESOTA ST 89703 |
(775) 883-8880 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Jim Mckinney | 1865 PLUMAS ST 4 www.jimmck.com 89509 |
775-333-0204 | |
Euvonka Warren | 959 W Williams Ave www.mysouthbayagent.com 89406 |
(775) 423-8444 | |
Don Roberts | 9570 S McCarran Blvd Ste 109b www.donrobertscpcu.com 89523 |
(775) 787-0728 | |
Trina Noristani | 210 Elks Point Rd www.noristani.com 89448 |
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Jim Mcanally | 104 CORBETT ST STE D www.jimtmcanally.com 89706 |
775-883-8900 | |
Jim Merenick | 165 W MAIN STREET SUITE C www.jimmerenick.com 89408 |
775-575-2768 | |
Jim Mccauley | 926 INCLINE VILLAGE STE 100 www.jmccauleysf.com 89450 |
800-373-0817 | |
Terry Nguyen | 1001 Pyramid Way Ste. 404-1 www.agentterry.com 89431 |
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Devon Decotea | 1380 Hwy 95A N Ste 7 www.devondecoteau.com 89408 |
(775) 575-1305 | |
Jim Mcadams | 1157 COUNTRY CLUB DR www.jimmcadams.com 89423 |
775-450-2726 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Burchfiel-Overbay & Associates | 11045 Donner Pass Rd Ste 1A 96161-4858 |
530-587-3883 | |
H Q Insurance | 414 S Rock Blvd 89431 |
(775) 331-7789 | |
Brian Jarrells | 937 Tahoe Blvd Ste 110 89451-9482 |
775-831-9700 |
Allstate | Erie | State Farm | |
Median Home Value ($) | 259,600 | 259,600 | 219,600 |
Construction year | 1983 | 1989 | 1984 |
Home Coverage ($) | $200000-$250000 | $200000-$250000 | $175000-$200000 |
Total Premium ($) | $1267 | $1215 | $1331 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
Allstate | upto 21% |
Liberty Mutual | upto 16% |
Travelers | upto 11% |
Erie | upto 18% |