How much is renters insurance in Mesquite, NV

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In Mesquite, renters insurance costs an average of $248 per year for $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible, which is $2 more than the statewide average of $246.

It can be higher or lower depending on the coverage limit you choose and the amount of liability the policy provides. If you rent, you should consider buying renters insurance because it protects your personal belongings from damage caused by covered perils such as fire or smoke damage, theft, vandalism and other mishaps.

Looking for affordable renters insurance in Mesquite? We’ve compared the top companies to help you find the cheapest options.

Key Takeaways

The average cost of renters insurance in Mesquite is $248 annually or $21 monthly.
The cheapest option for renters in Mesquite is CSAA Insurance (AAA), offering coverage at $12 per month.
Renters can reduce their insurance costs by taking advantage of discounts, such as installing a security system or bundling policies.

What is the average cost of renters insurance per month in Mesquite?

On average, renters insurance costs in Mesquite are $21 per month. It’s equals to the state average of $21. Renters in Mesquite pay these rates for a coverage limit of $40,000 in personal property coverage, $1,000 deductible, and $300,000 in liability protection coverage.

Renters insurance rates can vary by city based on your insurer and the amount of coverage you choose. In Mesquite, for example, renters pay around $16 per month for $20,000 in personal property coverage with a $1,000 deductible. If you increase your coverage to $40,000, the monthly premium goes up by $5.

If you own high-value items like jewelry, electronics, or designer furniture, it’s a good idea to consider higher coverage limits to make sure you’re fully protected.

How much is renters insurance in Mesquite by deductible?

Renters insurance in Mesquite costs $214 per year for a $500 deductible and $20,000 in personal property coverage.

Your deductible is the amount you agree to pay before your insurance coverage kicks in. If you increase your deductible limit, your insurance cost will go down. For instance, if the personal property coverage is the same (e.g., $20,000) but you increase your deductible limit from $500 to $1,000, you will pay $21 less every year for insurance.

Below are the renters insurance rates for different personal property coverage and deductible amounts.

Deductible	$20,000 personal property	$40,000 personal property	$60,000 personal property
$500	$214	$277	$345
$1,000	$193	$248	$310

Note: The liability protection coverage is $100,000.

Who offers affordable renters insurance in Mesquite?

CSAA Insurance (AAA) provides the cheapest rates in Mesquite, with an annual premium of $143 or $12 per month. American Family is the second-cheapest company, followed by Universal Insurance Co.

Below is a list of the cheapest renters insurance companies and their average annual and monthly rates.

Renter insurance provider	Average annual rate	Average per month rate
CSAA Insurance (AAA)	$143	$12
American Family	$229	$19
Universal Insurance Co	$235	$20
Farmers	$255	$21
Country Financial	$268	$22
State Farm	$290	$24
Nationwide	$303	$25
USAA	$151	$13

How to lower the cost of renters insurance

Follow these tips to reduce the cost of your renters insurance in Mesquite:

Bundle policies. If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in Mesquite provide discounts for bundled policies.

Increase your deductible. A higher deductible can lower your premium in Mesquite, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.

Choose the right coverage amount. Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.

Avoid filing too many claims. Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.
Compare quotes. Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in Mesquite to find the best deal.

Renters in Mesquite should purchase renters insurance to protect their belongings and financial health. The cost of coverage varies based on your location, coverage limits and individual circumstances. To find the best deal, evaluate your coverage needs, compare quotes from different providers and take advantage of any available discounts.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Mesquite in 2023 for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing 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.