Home Home insurance Average home insurance cost Nevada Reno, NV How much is homeowners insurance in Reno, NV The average annual cost for homeowners insurance in Reno is $1,384 for $300,000 in dwelling coverage, $100,000 in liability protection and a $1,000 deductible. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: March 24, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Reno is $1,384 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,198 less than the national average of $2,582.Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Reno depend on several factors, including:Size of your home Age of your home Amount of coverage you need Location Your credit score Nationwide is the cheapest homeowners insurance company in Reno with an average annual premium of $1,095 per year. This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Reno. Keep reading to learn about the monthly cost of homeowners insurance in Reno, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Reno. Key Takeaways Homeowners insurance costs $1,384 per year in Reno.At $1,095 per year, Nationwide offers the cheapest homeowners insurance in Reno.Your home insurance rates increase by $355 more annually if you increase your dwelling coverage from $200,000 to $300,000. How much is homeowners insurance in Reno per month Residents of Reno pay an average of $115 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $5 less than the state average of $120 and $100 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Reno may change based on location, property value, and selected coverage options. How much is homeowners insurance for a $200,000 house in Reno In Reno, NV, homeowners pay an average of $1,029 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality. Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance. How much is homeowners insurance for a $300,000 house in Reno According to a rate analysis by Insure.com, homeowners in Reno pay an average of $1,384 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $355 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. How much is homeowners insurance in Reno by company Among the carriers analyzed, Nationwide is the cheapest homeowners insurance company in Reno. It’s average annual rate for Reno homeowners is $1,095, while State Farm ranks second. Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Reno and prepared a list of the cheapest home insurance providers. You can find below the Reno home insurance companies and their average annual premium. Home insurance company Annual rate Nationwide$1,095State Farm$1,183American Family$1,490Farmers$1,545CSAA Insurance (AAA)$1,627Country Financial$2,053USAA*$1,115 TIPBundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management. Common natural disasters in Nevada that may affect home insuranceLiving in Nevada comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.Heat wave is the most common natural disasters in Nevada that could impact your home insurance rates.How home insurance protects you against natural disastersHome insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks. Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Reno for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesFernleyIncline VillageLas VegasMesquitePahrumpSilver SpringsSparksWest WendoverYeringtonShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? 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By Nupur Gambhir Mobile home insurance cost and coverage in 2025 By Chris Kissell Homeowners insurance rates by state in 2025 By Jake Safane The 10 costliest wildfires By Zack Sigel How to prepare for a hurricane By Kara McGinley On this page How much is homeowners insurance in Reno per month How much is homeowners insurance for a $200,000 house in Reno How much is homeowners insurance for a $300,000 house in Reno How much is homeowners insurance in Reno by companyCommon natural disasters in Nevada that may affect home insuranceHow home insurance protects you against natural disasters Methodology ZIP Code Please enter valid ZIP See rates