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2024

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Best Homeowners Insurance Agencies in Reno, NV

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Reno Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

129Reviewed

80Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

140 West Huffaker Lane, Suite #508, Reno, NV 89511

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Wilkins & Associates Insurance Services caters to residents of Reno and the neighboring locations. It provides clients with homeowners' insurance services and products, which typically cover home or building structures and personal possessions of the policyholder, as well as additional living expenses and liability to others in case of accident or damage to the property. This type of policy also covers replacement costs, damages caused by natural disasters, and excess liability. Wilkins & Associates Insurance Services also offers coverages for manufactured homes, motorhomes, condominiums, as well as automobiles.

  • Renter's Insurance

235 Redfield Parkway #201, Reno, NV 89509
WebsiteLicense: 549884

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

North Hills Insurance Services is an independent agency based in Reno that provides individuals, families, and businesses with personal and commercial insurance products. These products include homeowners', renters', and life insurance. Business insurance policies tailored for companies of various sizes are also available. Utilizing over 60 years of combined insurance industry experience, its staff shops from over 30 carriers such as the Balboa Insurance Group and Mendota Insurance, helping clients find coverage plans and bundles that suit their financial circumstances and goals.

  • Multiple Policy Types

6500 S Virginia St, Reno, NV 89511
WebsiteLicense: 43588

Expertise.com Rating

Review Sources

Google
5.0 (87)
Yelp
4.5 (15)
Facebook
5.0 (1)

Why choose this provider?

Rose Fox, a State Farm insurance agent, helps clients navigate the complexities of homeowners' insurance in Reno. She also provides renters' insurance, business insurance, auto insurance, classic car insurance, and motorcycle insurance. She has been assisting customers throughout Nevada for the past 25 years. Her team members are all licensed property and casualty insurance agents. Andre Carlson and For Fox are also licensed health and life insurance agents while Mayra Chavez is also a notary.

  • Renter's Insurance
  • Multiple Policy Types

3670 Grant Drive, Suite 106, Reno, NV 89509
WebsiteLicense: 3567503

Expertise.com Rating

Review Sources

Google
4.9 (14)
Yelp
5.0 (1)

Why choose this provider?

Ochsner Insurance is a locally owned agency that provides insurance solutions to individuals and businesses in Reno and the surrounding areas. The agency provides a wide range of insurance products, including homeowners' insurance, from many reputable carriers. The homeowners' insurance covers construction or rebuilding costs, liability, and loss or damage of the structure and personal belongings due to physical wear-and-tear and natural disasters. The carriers that the agency represents include Travelers, Encompass, Foremost, and Liberty Mutual.

  • Earthquake
  • Flood

197 Cadillac Place, Reno, NV 89509
WebsiteLicense: 747099

Expertise.com Rating

Why choose this provider?

Nicole Williams is an insurance agent who has been with State Farm since 2011. She manages her own agency in Reno that provides an array of insurance products, such as homeowners' coverage. With over 20 years of combined experience, Williams and her team write policies to protect homeowners in case of damage to their homes. In addition, homeowners' insurance provides liability coverage if anyone is injured on the policyholder's property. Williams's insurance agency is also licensed to serve clients in California.

  • Multiple Policy Types

220 S Rock Blvd, Suite 11, Reno, NV 89502
WebsiteLicense: 3572373

Expertise.com Rating

Review Sources

Google
4.9 (35)
Yelp
1.0 (1)

Why choose this provider?

Iveson Insurance Agency offers flexible coverage options to the residents of Reno and the surrounding areas. Its home insurance policy covers both the building and the possessions on the property and provides financial protection to individuals following an accident at home. Iveson Insurance Agency also offers an additional security feature to homeowners through its ID theft protection coverage option. In addition, it has an insurance plan that provides condominium users coverage of loss assessments from their condominium association.

639 Isbell Road Suite 440, Reno, NV 89509
WebsiteLicense: 555427

Expertise.com Rating

Review Sources

Google
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

The Henkes Welsh Agency offers homeowners insurance for Reno residents. It structures customized policies to cater to individual needs. It provides coverage for personal and dog bite liability, sinkholes, sewer and septic backups, and loss of personal property. It provides protection from expenses due to floods, windstorms, fire, hail, and lightning. Cary Welsh and Larry Henkes formed the company in 2006. It is the first real start up agency for property casualty in the area within the last two decades.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Wilkins & Associates Insurance Services
140 West Huffaker Lane, Suite #508, Reno, NV 89511
North Hills Insurance Services
235 Redfield Parkway #201, Reno, NV 89509
Rose Fox
6500 S Virginia St, Reno, NV 89511
Ochsner Insurance
3670 Grant Drive, Suite 106, Reno, NV 89509
Nicole Williams
197 Cadillac Place, Reno, NV 89509
Iveson Insurance Agency
220 S Rock Blvd, Suite 11, Reno, NV 89502
The Henkes Welsh Agency
639 Isbell Road Suite 440, Reno, NV 89509

Reno, NV Homeowners Insurance Agency FAQs

  • In Reno, what is covered by dwelling insurance coverage?

    Dwelling insurance in Reno covers any damage to a home's structure and built-in features, such as front porches, chimneys, garage spaces, and built-in appliances. These damages may result from theft, vandalism, lightning, hail, fire, smoke, the heavy weight of ice or snow, and accidental discharge or overflow of water from HVAC or plumbing systems.

  • What is included in Reno's coverage for loss of use or additional living expenses?

    Loss of use or additional living expenses coverage in Reno covers policyholders' parking, public transportation, and moving fees. This coverage also pays for temporary housing, additional utilities and fuel costs, storage units, pet boarding, and food expenses. Policyholders must keep their receipts and submit copies of them when pursuing reimbursements.

  • What is the average cost of homeowners' insurance in Reno?

    In Reno, the average cost of homeowners' insurance is $1,371 per year. This cost applies to the coverage level of $300,000 for the dwelling, $1,000 for deductibles, and $100,000 for liability protection. However, the rates still depend on a home's size, location, age, and the policyholder's credit score.

  • Are damages caused by floods covered by Reno homeowners' insurance?

    No. Damages caused by floods in Reno are not covered by homeowners' insurance. The reason for this is the area has a moderate risk of flooding. However, families and individuals may still acquire separate flood insurance policies through the National Flood Insurance Program. They can get up to $100,000 in content coverage for their homes and $250,000 in structural coverage.

  • What types of properties in Reno are protected by homeowners' insurance?

    In Reno, homeowners' insurance protects seasonal resident homes, frame houses, manufactured and mobile homes, townhouses, condominiums, and secondary and rental homes. Individuals and families living in these types of properties can acquire replacement costs for personal property, as well as trampoline or swimming pool, dog, and umbrella liability insurance coverage.

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