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Best Reno Homeowners Insurance Quotes (2025)

American Family, State Farm, and Allstate offer some of the best homeowners insurance policies in Reno, Nevada.

Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

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Becky Helzer
Edited byBecky Helzer
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

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Home insurance in Reno, Nevada, averages $1,316 annually for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data.

Located on several fault lines, Reno is prone to earthquakes, putting homes at higher risk of damage.[1] Since most standard home insurance policies don’t cover earthquakes, you may need to buy an additional policy to protect your home and personal property.

Here’s what you need to know to compare homeowners insurance companies in Reno, Nevada.

Quick Facts

  • Home insurance in Reno is cheaper than the U.S. average of $2,584 per year for $300,000 in dwelling insurance.

  • Nevada ranks No. 3 in the country for frequency of major earthquakes, following Alaska and California.[2]

  • Reno summers often bring high winds, low humidity, and hot temperatures, increasing wildfire risk.

Best home insurance companies in Reno

As a homeowner in Reno, you can choose from many quality home insurance companies. The right insurer for you depends on your unique situation, needs, and budget. The following are three of the best insurance companies in Reno, Nevada, according to Insurify data.

American Family: Best company for earthquake coverage

earthquake coverageAmerican Family logoAmerican Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.6/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$142/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$210/mo

American Family offers earthquake coverage as an add-on to your homeowners insurance policy. In addition to earthquake insurance, American Family offers a variety of other optional coverages, multiple discounts, and affordable insurance rates.

Pros

  • Affordable premiums

  • Many optional coverages

  • Above-average J.D. Power claims satisfaction score

Cons

  • Available in only 19 states

  • Not Better Business Bureau (BBB) accredited

  • No live-chat option for customer service

USAA: Best company for wildfire protection

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$147/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$212/mo

USAA offers home insurance to military members, veterans, and their families. More than 205,000 veterans live in Nevada, so many homeowners may benefit from USAA’s coverage options and strong customer service.

Since Reno summers are hot, with high winds and low humidity, wildfires are a year-round risk. USAA’s Wildfire Response Program reduces the risk of losing your home during an active wildfire — and if your Nevada homeowners policy is with USAA, you’re automatically enrolled.

Pros

  • High J.D. Power customer satisfaction score in the Southwest region

  • High J.D. Power claims satisfaction score

  • AM Best financial strength rating of A++ (Superior)

Cons

  • Available only to military members, veterans, and their families

  • No new-home discount

  • Not BBB accredited

State Farm: Best company for bundling discount

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$183/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$261/mo

As the country’s largest property and casualty insurer, State Farm insurance company offers strong financial strength and many coverage options. It claims that bundling your auto insurance and homeowners policy can save you up to $1,356. And when it comes to customer satisfaction and claims satisfaction, State Farm earns high marks.

Pros

  • Above-average J.D. Power customer satisfaction score in the Southwest region

  • Above-average J.D. Power claims satisfaction score

  • AM Best financial strength rating of A++ (Superior)

Cons

  • Not BBB accredited

  • Fewer discounts than some competitors

  • No live-chat option for customer service

  • Our editorial team analyzed regional and national home insurance companies that sell policies in Reno to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

Cheapest home insurance companies in Reno

The Universal Insurance Company of North America offers the cheapest home insurance rates, according to Insurify data. Reno homeowners pay an average of $670 per year for $300,000 in dwelling coverage with this insurer.

The following table highlights other insurance companies offering cheap home insurance in Reno. These rates are for policies with a $1,000 deductible and $300,000 in dwelling coverage.

Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Universal Insurance Company$670
Capital Insurance$951
American Family$986
Travelers$1,012
State Farm$1,108
USAA$1,151

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How much is home insurance in Reno?

The average cost of home insurance in Reno is $1,316 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Your policy cost may vary based on factors such as your:[3]

  • Home’s location

  • ZIP code

  • Home’s age and construction

  • Credit history

  • Coverage amount

  • Coverage types chosen

  • Deductible

  • Chosen insurance company

Cost of home insurance by dwelling coverage in Nevada

The average cost of home insurance in Nevada is $1,370 per year for $300,000 in dwelling coverage. For higher coverage amounts, you’ll pay a higher premium. To determine how much dwelling insurance you need, consider what it’d cost to rebuild your house after a total loss. Your insurance agent can help determine how much coverage you need.

The following table shows average annual premiums based on different dwelling coverage limits.

Coverage Limit
sort ascsort desc
Average Annual Premium
sort ascsort desc
$100,000$709
$200,000$1,025
$300,000$1,370
$400,000$1,743
$500,000$2,175

Cost of homeowners insurance by deductible amount

A homeowners insurance deductible is the amount of money you pay out of pocket before your insurance kicks in to cover a claim. When you purchase homeowners insurance, you typically get to choose your deductible. Paying a higher deductible lowers your premiums, but you’ll pay more out of pocket if you need to file a claim.

Take a look at how the deductible amount you choose affects your average annual premium for $300,000 in dwelling coverage.

Deductible Amount
sort ascsort desc
Average Annual Premium
sort ascsort desc
$500$1,384
$1,000$1,316

Average cost of home insurance in other cities in Nevada

Where you live in Nevada — even within different ZIP codes in the same city — can affect your homeowners insurance premiums due to varying crime rates or natural disaster risks. For instance, earthquakes are more likely to occur on Nevada’s western border, in cities like Reno and Carson City, and are less frequent in the state’s eastern regions.[4]

The table below shows the average annual premium in other Nevada cities for $300,000 in dwelling coverage with a $1,000 deductible.

City
sort ascsort desc
Average Annual Premium
sort ascsort desc
Carson City$1,233
Fallon$1,252
Sun Valley$1,333
Hendeson$1,385
Las Vegas$1,664

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What to know about owning a home in Reno

As a homeowner in Reno, you need to consider possible perils, including earthquakes, wildfires, and floods.

  • illustration card https://a.storyblok.com/f/162273/150x150/f05c9c5796/climate-change-96x96-yellow_028-earthquake.svg

    Earthquakes

    Nevada ranks No. 3 in the country for frequency of seismic activity, following Alaska and California. Several fault lines run through Reno, posing a threat of large and small earthquakes. Most standard homeowners insurance policies don’t cover earthquake damage, but many insurers sell optional earthquake coverage for an extra cost.

  • illustration card https://a.storyblok.com/f/162273/150x150/9e462f87fd/insurify-icons-auto-orange-96x96_010-house.svg

    Wildfires

    While hot temperatures and high winds are typical in Reno, wildfires pose a risk year-round. A standard homeowners insurance policy typically covers fire damage, including wildfires.

  • illustration card https://a.storyblok.com/f/162273/100x100/4ec24627d2/flood-coverage.svg

    Flooding

    The Truckee River runs through Reno, meaning some homeowners are at risk of floods. Since homeowners insurance typically won’t cover damage from flooding, you may want to consider a flood insurance policy. The National Flood Insurance Program (NFIP) offers two types of coverage: building coverage and contents coverage.[5]

Reno home insurance FAQs

If you’re looking for home insurance in Reno, check out the answers to some frequently asked questions below for more information.

  • The average monthly home insurance cost in Reno is approximately $110, according to Insurify data. Adding additional insurance, such as earthquake or flood coverage, will increase that cost.

  • The Universal Insurance Company of North America has the cheapest homeowners insurance in Reno, with an average annual cost of $670 for $300,000 in dwelling coverage, according to Insurify data.

  • How much you’ll pay for homeowners insurance on a $350,000 house depends on the type of insurance and deductible you choose, the home’s age, your ZIP code, and other factors.

  • The 80/20 rule is an insurance industry standard that helps determine how much dwelling insurance to purchase. It states that you need enough insurance to cover at least 80% of the full home replacement cost if you want your insurance company to cover your claim fully.

Sources

  1. Truckee Meadows Parks Foundation. "Trembling Truckee Meadows: Understanding Reno’s Earthquakes."
  2. Nevada Division of Insurance. "Earthquake Insurance."
  3. National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
  4. National Park Service. "Faults."
  5. National Flood Insurance Program. "Flooding Happens Everywhere."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Learn More
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Becky Helzer
Edited byBecky HelzerEditor
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

Read Editorial Guidelines

View Full Bio

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