Gavop's guide to buying homeowners insurance in Lincoln 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.
| Lincoln County, NV - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Big Ditch Rd, Madison, Danielle Ln, Miller Ln, I St, Old Mill Rd, Condie St, Kiva Pl, Crawford, Bush St | $152,000 | $140,000 | $100,000-$125,000 | $173,000 | $140,000 | $175,000-$200,000 |
| Sierra Vis, Grover Rd, Cemetery Rd, Holt Farm Rd, Old Atlanta Rd, Elk, Barbara St, Rachel Rd, Stewart Brothers Ranch Rd, Hoffman St | $238,000 | $190,000 | $250,000-$300,000 | $141,000 | $120,000 | $125,000-$150,000 |
| C St, Packer Ln, 3rd North St, Skyway Ln, D St, Sr322, Parker Way, Theresa Ct, N Alamo West Rd, Pahranagat St | $196,000 | $190,000 | $175,000-$200,000 | $209,000 | $170,000 | $200,000-$250,000 |
| Scott Rd, First St, Broadway, Russell Rd, Sharp Ln, N 1st East St, Ronnow Rd, Edwards St, Haggerty Rd, Conaway St | $254,000 | $210,000 | $200,000-$250,000 | $120,000 | $110,000 | $125,000-$150,000 |
| Brokenhouse Ln, Sage St, Cheeny Ln, Park Rd, Sharpe Rd, Mabel Trl, Meadow Valley St, Mallory Rd, Curtis Canyon Rd, H St | $133,000 | $120,000 | $125,000-$150,000 | $74,500 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$98 | $600 |
| Superior Protection Discount | -$70 | $628 |
| Fire & Security Discount | -$63 | $635 |
| Hail Resistant Roof Discount | -$14 | $684 |
| Newly Constructed Home Discount | -$195 | $502 |
| 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 |
| Lincoln County | $1,000 | $689 | $1,689 | $501 | $1,501 | $188 |
| Lincoln County, NV | $700 | $689 | $1,389 | $501 | $1,201 | $188 |
| Panaca, NV | $2,500 | $466 | $2,966 | $339 | $2,839 | $127 |
| Alamo, NV | $200 | $490 | $690 | $356 | $556 | $134 |
| Caliente, NV | $700 | $506 | $1,206 | $368 | $1,068 | $138 |
| Pioche, NV | $300 | $560 | $860 | $407 | $707 | $153 |
| Home Insurance Company Lincoln County, NV | Homeowners Insurance Agency Lincoln County, NV | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| Allstate | Dolan Edwards Agcy | 160 Front Street, Caliente, NV, 89008 | 19.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nevada | $216,400 | $641 | $470 | $890 | $420 |
| Lincoln County, NV | $132,900 | $697 | $500 | $970 | $470 |
| Lincoln County, NV | $132,900 | $697 | $470 | $970 | $500 |
| Panaca, NV | $105,300 | $472 | $320 | $670 | $350 |
| Alamo, NV | $116,800 | $496 | $330 | $700 | $370 |
| Caliente, NV | $125,300 | $512 | $370 | $730 | $360 |
| Pioche, NV | $158,200 | $567 | $400 | $800 | $400 |