Check out the most popular Home Insurance agencies & companies in Sparks, NV & compare the best quotes from them.

Get Quotes From The Best & Compare

Factors Impacting Homeowners Insurance in Sparks, NV

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.

Top Home Insurance Companies in Sparks, NV

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%

Top Allstate Home Insurance Agents in Sparks, NV

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

Top Liberty Mutual Home Insurance Agents in Sparks, NV

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

Top Travelers Home Insurance Agents in Sparks, NV

Homeowners Insurance Agents Agent Address Contact Details
Southwest Virginia Pro Insurance Agency 216 East Liberty Street
89501
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
Precision Insurance Agency Llc 112 W Telegraph St
89703
(775) 882-2131
Voight Insurance Services Inc 1855 Sullivan Ln 1855 Sullivan Ln
89431
Goh Insurance Agency 2955 Vista Blvd Ste 103
www.gohinsurance.com 89434
(775) 750-9680
Email:INFO@GOHINSURANCE.COM
C Cable Insurance Inc 3590 W Plumb Ln Ste B
www.cableinsurancewa.com 89509-3088
775-329-1191
Email:ccableins@gmail.com
Capital Insurance & Financial Services Inc 9 Retail Rd Ste 1
89403-6365
775-246-2777
Email:lisa@lilesinsurancegroup.com
Tia Services Inc 10425 Double R Blvd
www.milnorinsurancegroup.com 89521
(775) 786-2731
Email:matt@milnorinsurancegroup.com
Montgomery Insurance Services 216 N MINNESOTA ST
89703
(775) 883-8880

Top State Farm Home Insurance Agents in Sparks, NV

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
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
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

Top Erie Home Insurance Agents in Sparks, NV

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

Homeowners Insurance Comparison for the Cheapest Premiums in Sparks, NV

AllstateErieState Farm
Median Home Value ($) 259,600259,600219,600
Construction year 198319891984
Home Coverage ($) $200000-$250000$200000-$250000$175000-$200000
Total Premium ($) $1267$1215$1331

Sparks, NV Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Allstate upto 21%
Liberty Mutual upto 16%
Travelers upto 11%
Erie upto 18%