Gavop's guide to buying homeowners insurance in Spanish Springs, NV covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $79,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $217,500 | $180,000 | $200,000-$250,000 |
| 3 Bedroom | $205,500 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $332,000 | $290,000 | $300,000-$350,000 |
| 5 Bedroom | $624,000 | $560,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $581 |
| Superior Protection Discount | -$63 | $637 |
| Fire & Security Discount | -$49 | $651 |
| Hail Resistant Roof Discount | -$21 | $679 |
| Newly Constructed Home Discount | -$140 | $560 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Washoe County | $1,500 | $675 | $2,175 | $490 | $1,990 | $184 |
| Spanish Springs, NV | $2,500 | $692 | $3,192 | $503 | $3,003 | $189 |
| North Valleys, NV | $400 | $571 | $971 | $415 | $815 | $156 |
| Cold Springs, NV | $1,500 | $576 | $2,076 | $419 | $1,919 | $157 |
| Storey County, NV | $500 | $689 | $1,189 | $501 | $1,001 | $188 |
| Verdi, NV | $2,500 | $790 | $3,290 | $574 | $3,074 | $216 |
| Loyalton, CA | $300 | $493 | $793 | $358 | $658 | $135 |
| Kings Beach, CA | $2,000 | $1,013 | $3,013 | $736 | $2,736 | $277 |
| Colfax-Monumental Ridge, CA | $500 | $868 | $1,368 | $631 | $1,131 | $237 |
| Genoa-Jacks Valley, NV | $2,500 | $673 | $3,173 | $489 | $2,989 | $184 |
| Skyland, NV | $100 | $2,029 | $2,129 | $1,475 | $1,575 | $555 |
| Sierra County, CA | $1,000 | $1,052 | $2,052 | $764 | $1,764 | $287 |
| Home Insurance Company Spanish Springs, NV | Homeowners Insurance Agency Spanish Springs, NV | Address | Popularity Score | Distance from Spanish Springs (miles) |
|---|---|---|---|---|
| State Farm | Laurie Brazier | 5275 Vista Blvd Ste A2, Sparks, NV, 89436-0840 | 5.3 | |
| State Farm | Marilyn Mert Lewis | 321 W Winnie Ln Ste 106, Carson City, NV, 89703-2154 | 33.3 | |
| Travelers | Bibee & Associates | 411 W Third St, Carson City, NV, 89703 | 34.4 | |
| State Farm | Eric Delgadillo | 2450 Vassar St Ste 1, Reno, NV, 89502-3249 | 11.4 | |
| State Farm | Tim Leuenhagen | 720 Robb Dr Ste 101, Reno, NV, 89523-3733 | 14.6 | |
| State Farm | Jenn Weible | 129 Los Altos Pkwy Ste 103, Sparks, NV, 89436-7722 | 6.3 | |
| Farmers | Juan Diaz | 2145 Green Vista Dr Ste 111, Sparks, NV, 89431 | 8.6 | |
| State Farm | Scott Eastman | 2875 Nortown Ln Ste H, Reno, NV, 89512-2062 | 9.9 | |
| State Farm | Nathan Almlie | 715 I St, Sparks, NV, 89431-3715 | 8.9 | |
| State Farm | Jerry Evans | 9437 Double Dmnd Pkwy Ste 15, Reno, NV, 89521-8968 | 15.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nevada | $216,400 | $641 | $440 | $900 | $460 |
| Washoe County, NV | $268,100 | $683 | $460 | $940 | $480 |
| Spanish Springs, NV | $301,300 | $700 | $480 | $1,000 | $520 |
| North Valleys, NV | $199,300 | $578 | $400 | $800 | $400 |
| Cold Springs, NV | $203,900 | $583 | $390 | $820 | $430 |
| Storey County, NV | $187,100 | $697 | $470 | $1,000 | $530 |
| Verdi, NV | $385,000 | $800 | $550 | $1,100 | $550 |
| Loyalton, CA | $97,500 | $499 | $370 | $680 | $310 |
| Kings Beach, CA | $382,000 | $1,025 | $760 | $1,390 | $630 |
| Colfax-Monumental Ridge, CA | $388,100 | $879 | $650 | $1,190 | $540 |
| Genoa-Jacks Valley, NV | $332,100 | $681 | $490 | $970 | $480 |
| Skyland, NV | $812,500 | $2,054 | $1,380 | $2,810 | $1,430 |
| Sierra County, CA | $157,100 | $1,065 | $790 | $1,450 | $660 |