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Washoe County, NV Homeowners Insurance Quotes

Are you shopping online for home insurance in Washoe County NV? We have the most affordable premiums and coverage options available at GetHomeInsuranceQuotes.com, where we provide up to 12 quotes to review and compare from the most top rated home insurance companies. Our Washoe County agents have over 20+ years of insurance consulting and professional experience to help you get answers to any questions that you may have about which coverage option is best for you and your family.

Protecting your home in Nevada from hurricanes, lightning and fires is important to every homeowner. But that's not all your home insurance policy can offer. We have a variety of coverage options to choose from to make sure your home and family are properly covered. Start your home insurance quotes online now by entering your zip code above or call the number on the right to speak with a licensed home insurance agent today!

More about premiums in Washoe County

Washoe County, NV homeowners are now averaging around $68.67 per month for a basic home insurance policy. For Nevada, this amounts to $824 per year for a standard (HO-3) homeowners insurance policy for residents living in Washoe County, NV. In comparison, the national average for home insurance rates is around 1,249 per year. Nevada is now ranked #47 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Washoe County, NV so you can save up to fourty percent or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience.

For all Washoe 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.


Are you looking for a homeowners insurance quote in Washoe 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.

Washoe County, NV Housing Demographics

With 421,407 residents living within the Washoe County area there are over 184,841 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 102,768 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 Washoe County.

DemographicValues
Total Occupied Households163,445
Family Households (families)102,768
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units184,841

Washoe County, NV Home Insurance Average Premiums

Local Washoe, NV homeowners insurance quotes comparison

$715 /yr.

Nevada's Average Home Insurance Rates Overall

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 RatingAnnual Premium
Minimum Range:$632 /yr.
Current Average Cost:$715 /yr.
Maximum Range:$824 /yr.

Nevada Homeowners Insurance News & Information

  • What happens to my mortgage if my homeowners policy gets cancelled? Posted on Thursday 18th July, 2024

    As more and more insurance companies stop writing policies in certain markets or cancel existing policyholders they find too big of a risk, homeowners are finding their policies cancelled or non renewed. While a cancelled policy is a shock, it doesn’t mean you need to panic.  Following is a brief overview of what to do […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

Discounts For Homeowners in Washoe 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 Washoe 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 Washoe 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 Washoe 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.

Washoe County Housing & Real Estate Data

Details:Statistics
Total Housing Units184841
Occupied Housing Units163445
Vacant Housing Units21396
Vacant Housing Units for Rent8916
Vacant Housing Units Rented Not Occupied290
Vacant Housing Units For Sale3251
Vacant Housing Units Sold Not Occupied458
Vacant Housing Units For Seasonal Occasional Use5025
Vacant Housing Units All Other Vacants3456
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent12
Housing Tenure Occupied Units163445
Housing Tenure Occupied Units Owner Occupied95678
Housing Tenure Occupied Units Owner Occupied Population249093
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied67767
Housing Tenure Occupied Units Renter Occupied Population167042
Housing Tenure Occupied Units Renter Occupied Average Household Size2