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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

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

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