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2024

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Best Homeowners Insurance Agencies in Sparks, NV

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Sparks 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.

60Reviewed

38Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4894 Sparks Blvd, Sparks, NV 89436

Expertise.com Rating

Review Sources

Google
4.9 (27)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

High Sierra Insurance serves homeowners in Sparks and the neighboring communities. Whether clients are looking for a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft or a policy that covers only specified losses, the agency can assist clients to secure homeowners' plans that are tailor-fit for their specific needs. Additionally, homeowners' insurance policies can pay for meals and lodging if a client's home is uninhabitable due to a covered loss. High Sierra Insurance also assists with automobile, personal umbrella, and life insurance.

  • Personal Property Insurance

1197 Rock Boulevard, Sparks, NV 89431

Expertise.com Rating

Review Sources

Google
4.8 (184)
Yelp
3.0 (2)

Why choose this provider?

Express Insurance LLC is a Sparks-based independent insurance agency that works with multiple insurance carriers to provide its clients with a wider selection of policies. Established in 2011, the agency helps property owners in the area find homeowners' insurance policies to protect themselves against disasters that could potentially be financially devastating. It also offers car, motorcycle, and manufactured homes insurance and even helps clients with tax preparation and filing. Express Insurance LLC works with top-rated insurance carriers, such as Kemper, Mercury Insurance, and Progressive.

  • Renter's Insurance

707 Pyramid Way, Sparks, NV 89431

Expertise.com Rating

Review Sources

Google
4.7 (53)

Why choose this provider?

Pronto Auto Insurance is an insurance agency serving Sparks and the surrounding areas. The agency offers homeowners' insurance services and policies with extensive coverage to protect property owners against financial ruin if a home needs to be rebuilt or replaced. Home insurance policies can offer all-risk protection or coverage against specific losses and incidents only. Pronto Auto Insurance also provides personal and commercial auto, motorcycle, RV, and watercraft insurance policies.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

9424 Double R Blvd, Reno, NV 89521

Expertise.com Rating

Review Sources

Google
4.4 (8)
Facebook
5.0 (2)

Why choose this provider?

Comstock Insurance Agencies Inc. is an insurance company that has been in operation near Sparks since 1957. The company offers homeowners insurance policies that include personal liability coverage, dwelling replacement costs, and protection for personal belongings inside the home, such as fine art and jewelry. it also sells packages to protect the homes of renters. Additionally, the company has insurance plans for clients' health care, automobiles, recreational vehicles, and businesses.

  • Personal Property Insurance
  • Multiple Policy Types

197 Cadillac Place, Reno, NV 89509

Expertise.com Rating

Review Sources

Google
4.4 (36)
Yelp
3.5 (18)

Why choose this provider?

Nicole Williams is an insurance agent near Sparks that has been working with State Farm Insurance since 2011. Her team boasts more than 30 years of combined experience in the insurance industry, and it sells homeowners insurance that covers clients' homes in the event of fires, flooding, theft, and vandalism. The team also sells auto, business, health, life, and pet insurance. It has earned recognition from State Farm's President's Club.

  • Personal Property Insurance

1016 Rock Boulevard, Sparks, NV 89431

Expertise.com Rating

Review Sources

Google
4.3 (25)
Yelp
3.0 (2)

Why choose this provider?

Interstate Insurance Services serves residents of Sparks, Las Vegas, Carson City, and the surrounding areas. The company was established in 1983 and specializes in homeowners' insurance. Its agents are committed to helping clients choose a suitable plan that fits their unique needs and preference. These professionals can help provide protection for homes, condos, landlords, and renters. Depending on the client's needs, they offer policies that cover earthquakes, floods, and fires. Interstate Insurance Services also offers auto insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
High Sierra Insurance
4894 Sparks Blvd, Sparks, NV 89436
Express Insurance LLC. & Taxes
1197 Rock Boulevard, Sparks, NV 89431
Pronto Auto Insurance
707 Pyramid Way, Sparks, NV 89431
Comstock Insurance Agencies
9424 Double R Blvd, Reno, NV 89521
Nicole Williams - State Farm Insurance Agent
197 Cadillac Place, Reno, NV 89509
Interstate Insurance Services
1016 Rock Boulevard, Sparks, NV 89431

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • If your friend's laptop was stolen inside your home, will your homeowners insurance in Sparks cover this loss?

    Yes, because Sparks homeowners insurance protects the loss of other people's personal goods while they are residing in your house. Making a claim for the missing laptop, however, might not be in your best interests because it would impact your insurance record and possibly increase your premium rates. Only if replacing your friend's laptop would be too expensive should you file an insurance claim for it.

  • What is the typical annual homeowners insurance premium in Sparks for a $200,000 home?

    In Sparks, the average price for homeowners insurance is $1,005 per year for $100,000 in liability protection and $200,000 in dwelling coverage. The age and size of your home, the neighborhood where you live, the type and quantity of coverage you require, as well as your credit history and score, all affect how much you pay for home insurance in Sparks.

  • How can you obtain a copy of your Sparks homeowners insurance policy?

    By contacting your homeowners insurance provider, you can obtain a copy of your policy in Sparks. They should be able to provide you a copy either by mail or email. Additionally, if your insurer has a mobile app or website, you can view your homeowners insurance policy there. Downloading and printing a physical copy of your policy paperwork will make it easier for you to access them should you ever need to make a claim.

  • How long do homeowners insurance companies in Sparks retain your claims on record?

    Home insurance providers in Sparks typically maintain records of your claims for five to seven years. Insurers will review your claims history going back at least five years if you are looking for a new insurance policy. They typically don't go further than five years in the past. Claims on your record may result in higher house insurance rates, which translates into higher premiums.

  • Can Sparks insurance providers deny coverage for a house in a high-risk neighborhood?

    In Sparks, house insurance providers have the option of refusing to insure a house in a high-risk neighborhood. Finding affordable homeowners insurance may also be challenging if your house is old or you reside in a disaster-prone area. Homeowners who are unable to obtain private insurance coverage must look for coverage with surplus lines insurers because Nevada does not have a Fair Access to Insurance Requirements Plan.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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