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Best Homeowners Insurance Agencies in Reno

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Iveson Insurance Agency logo
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License Verified:

License: 3572373

Nevada Division of Insurance

Iveson Insurance Agency

220 S Rock Blvd, Suite 11, Reno, NV 89502
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Business Description

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.

License Verified:

License: 3572373

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (28)
Facebook
5.0 / 5 (1)
Nicole Williams logo
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License Verified:

License: 747099

Nevada Division of Insurance

Nicole Williams

197 Cadillac Place, Reno, NV 89509
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  • Multiple Policy Types

Business Description

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.

License Verified:

License: 747099

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)
North Hills Insurance Services logo
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License Verified:

License: 549884

Nevada Division of Insurance

North Hills Insurance Services

235 Redfield Parkway #201, Reno, NV 89509
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  • Multiple Policy Types

Business Description

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.

License Verified:

License: 549884

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (2)
Yelp
5.0 / 5 (1)
Ochsner Insurance logo
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License Verified:

License: 3567503

Nevada Division of Insurance

Ochsner Insurance

3670 Grant Drive, Suite 106, Reno, NV 89509
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  • Earthquake
  • Flood

Business Description

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.

License Verified:

License: 3567503

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (1)
Rose Fox logo
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License Verified:

License: 43588

Nevada Division of Insurance

Rose Fox

6500 S Virginia St, Reno, NV 89511
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

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.

License Verified:

License: 43588

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (69)
Yelp
4.5 / 5 (12)
The Henkes Welsh Agency logo
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License Verified:

License: 555427

Nevada Division of Insurance

The Henkes Welsh Agency

639 Isbell Road Suite 440, Reno, NV 89509
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.

License Verified:

License: 555427

Nevada Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)
Wilkins & Associates Insurance Services logo
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Wilkins & Associates Insurance Services

140 West Huffaker Lane, Suite #508, Reno, NV 89511
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  • Renter's Insurance

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
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Frequently Asked Questions

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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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