How much is homeowners insurance in Sparks, NV

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In Sparks, homeowners pay an average annual rate of $1,366 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,216 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Sparks depends on various factors, such as:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Sparks, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Sparks.

How much is homeowners insurance in Sparks per month

According to Insure.com’s rate analysis, residents of Sparks pay an average of $114 per month for homeowners insurance. This is $6 less than the state average of $120 and $101 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Sparks can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Sparks

The average cost of homeowners insurance in Sparks, NV is $1,016 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Sparks

According to Insure.com’s rate analysis, homeowners in Sparks typically pay an average of $1,366 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $350. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Sparks by company

Among the carriers analyzed, Nationwide is the cheapest homeowners insurance company in Sparks. It’s average annual rate for Sparks homeowners is $1,094, while State Farm ranks second.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Sparks and prepared a list of the cheapest home insurance providers. You can find below the Sparks home insurance companies and their average annual premium.

Common natural disasters in Nevada that may affect home insurance

Living in Nevada comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

Heat wave is the most common natural disasters in Nevada that could impact your home insurance rates.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are often excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance helps pay for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Sparks for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

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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.

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