How much is homeowners insurance in Sparks,NV

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In Sparks, homeowners pay an average annual rate of $1,366 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,216 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Sparks depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Sparks, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Sparks.

Key takeaways

The cost of your homeowners insurance policy in Sparks can vary based on factors such as your location, the value of your home, and the coverage options you select.
Nationwide is the cheapest homeowners insurance company in Sparks with an average annual premium of $1,094.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $350 more, annually for home insurance.

How much is homeowners insurance in Sparks per month

According to our rate analysis, homeowners in Sparks pay an average of $114 per month. It’s $6 less than the state average of $120 and $101 less than the national average for home insurance across the United States.

In Sparks, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Sparks

In Sparks, NV, homeowners pay an average of $1,016 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Sparks

Based on a rate analysis conducted by Insure.com, Sparks residents pay an average of $1,366 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $350 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Sparks by company

After evaluating several carriers, Nationwide is the least expensive homeowners insurance provider in Sparks. It’s average annual rate for homeowners in Sparks is $1,094.

State Farm holds the second position, while American Family secures the third spot with an average annual home insurance rate of $1,490.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Sparks and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Sparks and their average annual premiums.

Home insurance company	Annual rate
Nationwide	$1,094
State Farm	$1,218
American Family	$1,490
Farmers	$1,535
CSAA Insurance (AAA)	$1,598
Country Financial	$1,938
USAA*	$1,063

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Sparks 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.