How much is renters insurance in West Wendover, NV

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In West Wendover, NV, the average cost of renters insurance is $235 annually for $40,000 in personal property, $300,000 in liability and a $1,000 deductible. It is $11 less than the state average of $246 per year.

Renters insurance costs may differ depending on the coverage you opt for and the amount of liability coverage included in your policy. If you’re living in a rental property, it’s worth considering this type of insurance to protect your belongings from damages caused by fire, smoke, theft, vandalism and other covered events.

We conducted an in-depth analysis of insurance companies to find the most affordable insurers for renters in West Wendover. Continue reading to know the cheapest renters insurance companies in West Wendover.

Key Takeaways

According to Insure.com’s data study, renters insurance costs an average of $235 per year or $20 per month in West Wendover.
CSAA Insurance (AAA) has the cheapest renters insurance for West Wendover renters at $12 per month.
Taking advantage of discounts, such as having a security system or bundling renters insurance with other insurance policies, can help reduce your insurance premiums.

What is the average cost of renters insurance per month in West Wendover?

On average, the cost of renters insurance in West Wendover is $20 a month. It’s $1 less than the state average of $21. Renters in West Wendover pay these rates for the coverage limit of $40,000 in personal property coverage, $1,000 deductible and $300,000 in liability protection coverage.

The renters insurance rates vary by city depending on your insurance provider and the coverage limits you choose. For example, renters in West Wendover pay $15 per month for personal property coverage of $20,000 and a $1,000 deductible. However, if you decide to increase the personal property coverage limit to $40,000, you will pay $5 more for renters insurance.

Now, you’ll have to decide how much coverage you need and how much you can afford. However, it is recommended that you choose higher coverage limits if your personal belongings consist of expensive jewelry, furniture and electronics.

How much is renters insurance in West Wendover by deductible?

The average cost of renters insurance in West Wendover is $204 annually for a $500 deductible and $20,000 in personal property coverage

The deductible is the amount you pay out-of-pocket before your insurance kicks in. If you raise your deductible, your premiums will decrease. For example, if you maintain $20,000 in personal property coverage but increase your deductible from $500 to $1,000, you’ll save $20 every year on your insurance.

Here are the renters insurance premiums for different personal property coverage and deductible amounts.

Deductible	$20000 personal property	$40000 personal property	$60000 personal property
$500	$204	$262	$319
$1,000	$184	$235	$285

Read our guide to know what does renters insurance cover.

Who offers cheap renters insurance in West Wendover?

Your quest for the cheapest renters insurance ends here.

CSAA Insurance (AAA) provides the cheapest rates in West Wendover, with an annual premium of $143 or $12 per month. State Farm is the second cheapest company, followed by American Family.

Insure.com’s experts have compared renters insurance quotes from all the national and regional carriers in West Wendover to create a list of the most affordable insurers. Below is a list of the cheapest renters insurance companies and their average annual and monthly rates.

Renter insurance provider	Average annual rate	Average per month rate
CSAA Insurance (AAA)	$143	$12
State Farm	$227	$19
American Family	$229	$19
Universal Insurance Co	$235	$20
Farmers	$247	$21
Country Financial	$268	$22
Nationwide	$289	$24
USAA	$130	$11

Tips for reducing renters insurance cost

Here are some tips to help reduce renters insurance costs in West Wendover:

Bundle insurance policies: If you have other insurance policies, such as car insurance, consider bundling them with the same insurer. Many insurers offer discounts for bundling in West Wendover.

Increase deductible: Opting for a higher deductible can lower your premium in West Wendover, but make sure you’re comfortable with the amount you’d pay out-of-pocket in case of a claim.

Choose the right coverage: Review your policy regularly to ensure you don’t have extra coverage. For example, you might not need as much coverage for personal property if you don’t own many valuables.

Avoid small claims: Filing too many small claims can increase your rates over time. Consider paying for minor damages out-of-pocket instead of claiming them through insurance.

Shop around: Don’t settle for the first quote you receive. Compare renters insurance quotes in West Wendover from multiple providers to find the best price for the coverage you need.

Final thoughts

Renters in West Wendover, NV should purchase renters insurance to protect their personal belongings, provide liability coverage, and cover additional living expenses if their rental becomes uninhabitable due to a covered event. Premiums may differ based on location, coverage amount and individual circumstances, but the peace of mind it offers is worth the investment. You can get an affordable policy that fits your budget by assessing your coverage needs, comparing quotes and taking advantage of available discounts.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in West Wendover for $40,000 personal property coverage, $300,000 liability coverage, and a $1000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

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.