Compare up to 12 quotes for your home in Elko County, NV! It's easy and only takes a minute!
Elko County, NV Homeowners Insurance Quotes
Discovering afforable homeowners insurance rates in Elko County can seem impossible with so many options available online as well as local captive agents down the road. But getting the right coverage means speaking with a home insurance professional that can help you review enhanced coverage options at affordable prices. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance carriers available in your area. It's important for you to know the coverage details available for your home in Elko County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current and new homeowners policy. We also provide ways to help you apply additional discounts to lower your premium while getting upgraded coverage for that extra protection and financial support when you need insurance the most. Start your online homeowners insurance quote today!
For homeowners of Elko County, NV, it's important to know that the average home insurance policy in Nevada is estimated to be around $68.67 per month. That amounts to $824 per year for a basic homeowners insurance policy for residents living in Elko County. When comparing other rates, the United States national average for homeowners insurance premiums is around 1,249 per year. Did you know that Nevada is now ranked 47 in the country in terms of highest home insurance cost. So getting up to 12 free home insurance quotes for your home in Elko County, NV helps you easily review and compare prices and coverages so we can help you make the best decision on which insurance provider is best for you.
For all Elko County, NV residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.
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Are you looking for a homeowners insurance quote in Elko County? Simply enter your zip code to get your Nevada homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.
Elko County, NV Housing Demographics
With 48,818 residents living within the Elko County area there are over 19,566 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 12,441 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Elko County.
Demographic | Values |
---|---|
Total Occupied Households | 17,442 |
Family Households (families) | 12,441 |
Average Owner Occupied Household Size | 3 |
Average Family Size | 3 |
Total Housing Units | 19,566 |
Elko County, NV Home Insurance Average Premiums
For the state of Nevada, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 47 in the nation for highest premiums in the U.S.
Average Rating | Annual Premium |
---|---|
Minimum Range: | $632 /yr. |
Current Average Cost: | $715 /yr. |
Maximum Range: | $824 /yr. |
Nevada Homeowners Insurance News & Information
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
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Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024
One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]
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Are homeowners insurance companies increasing deductibles? Posted on Thursday 22nd August, 2024
This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket. As the cost of claims increases, particularly […]
Discounts For Homeowners in Elko County
As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Nevada homeowners insurance.
- Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Elko County, this discount can save you up to 20% on your home insurance premium.
- Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Elko County that do combine their home and auto can save over $500 with this discount.
- Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Elko County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
- Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
- Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.
Elko County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 19566 |
Occupied Housing Units | 17442 |
Vacant Housing Units | 2124 |
Vacant Housing Units for Rent | 639 |
Vacant Housing Units Rented Not Occupied | 48 |
Vacant Housing Units For Sale | 163 |
Vacant Housing Units Sold Not Occupied | 57 |
Vacant Housing Units For Seasonal Occasional Use | 630 |
Vacant Housing Units All Other Vacants | 587 |
Housing Units Homeowner Vacancy Rate Percent | 1 |
Housing Units Rental Vacancy Rate Percent | 10 |
Housing Tenure Occupied Units | 17442 |
Housing Tenure Occupied Units Owner Occupied | 11857 |
Housing Tenure Occupied Units Owner Occupied Population | 34028 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 3 |
Housing Tenure Occupied Units Renter Occupied | 5585 |
Housing Tenure Occupied Units Renter Occupied Population | 14220 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 3 |