Gavop's guide to buying homeowners insurance in Lyon County, 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 | $49,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $103,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $159,000 | $130,000 | $175,000-$200,000 |
| 4 Bedroom | $216,500 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $192,000 | $160,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $604 |
| Superior Protection Discount | -$65 | $662 |
| Fire & Security Discount | -$65 | $662 |
| Hail Resistant Roof Discount | -$15 | $713 |
| Newly Constructed Home Discount | -$196 | $531 |
| 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 |
| Lyon County | $1,500 | $719 | $2,219 | $522 | $2,022 | $196 |
| Lyon County, NV | $700 | $719 | $1,419 | $522 | $1,222 | $196 |
| Smith Valley, NV | $500 | $759 | $1,259 | $551 | $1,051 | $207 |
| Fish Springs, NV | $1,500 | $931 | $2,431 | $676 | $2,176 | $254 |
| Minden, NV | $500 | $732 | $1,232 | $532 | $1,032 | $200 |
| Indian Hills, NV | $700 | $611 | $1,311 | $444 | $1,144 | $167 |
| Fernley, NV | $500 | $683 | $1,183 | $497 | $997 | $187 |
| Lakeridge, NV | $2,500 | $2,238 | $4,738 | $1,626 | $4,126 | $612 |
| Tahoe Vista, CA | $200 | $1,561 | $1,761 | $1,134 | $1,334 | $427 |
| Reno Southwest, NV | $2,500 | $1,041 | $3,541 | $757 | $3,257 | $285 |
| Home Insurance Company Lyon County, NV | Homeowners Insurance Agency Lyon County, NV | Address | Popularity Score | Distance from Lyon County (miles) |
|---|---|---|---|---|
| State Farm | Marilyn Mert Lewis | 321 W Winnie Ln Ste 106, Carson City, NV, 89703-2154 | 32.6 | |
| State Farm | Christina Kantrud | 1665 Lakeside Dr, Reno, NV, 89509-3465 | 46.8 | |
| Allstate | E H Hursh Inc | 295 S Maine St, Fallon, NV, 89406 | 38.4 | |
| Allstate | E H Hursh Inc | 295 S Maine St, Fallon, NV, 89406 | 38.4 | |
| Travelers | Altus Insurance Group | 730 Sandhill Rd Ste 250, Reno, NV, 89521 | 42.0 | |
| Travelers | Cal-Nevada Insurance | 926 Incline Village Ste 100, Incline Village, NV, 89450 | 43.2 | |
| Travelers | Les Hiibel Insurance Services Inc | 335 W Williams, Fallon, NV, 89406 | 38.4 | |
| Travelers | A And H Insurance | 3301 S Virginia St, Reno, NV, 89502 | 45.7 | |
| Farmers | Juan Diaz | 2145 Green Vista Dr Ste 111, Sparks, NV, 89431 | 48.2 | |
| Allstate | Shawna Honea | 959 W Williams Ave, Fallon, NV, 89406 | 38.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nevada | $216,400 | $641 | $430 | $910 | $480 |
| Lyon County, NV | $158,000 | $727 | $490 | $1,030 | $540 |
| Lyon County, NV | $158,000 | $727 | $490 | $1,030 | $540 |
| Smith Valley, NV | $310,200 | $768 | $560 | $1,050 | $490 |
| Fish Springs, NV | $382,100 | $942 | $670 | $1,350 | $680 |
| Minden, NV | $294,000 | $741 | $530 | $1,050 | $520 |
| Indian Hills, NV | $236,600 | $618 | $450 | $870 | $420 |
| Fernley, NV | $164,900 | $692 | $490 | $990 | $500 |
| Lakeridge, NV | $931,800 | $2,265 | $1,630 | $3,220 | $1,590 |
| Tahoe Vista, CA | $531,300 | $1,580 | $1,170 | $2,150 | $980 |
| Reno Southwest, NV | $413,000 | $1,054 | $720 | $1,490 | $770 |