Reno Home Insurance Costs (2026)

How much is homeowners insurance in Reno?

Homeowners insurance in Reno averages $142 a month for the house we priced, with rates as of Sept. 30, 2026. The 5 major insurers we compared are State Farm, USAA (military families only), Farmers, Liberty Mutual and CSAA (AAA members), and each one priced our sample home in all 10 Reno ZIP codes in our data, in Washoe County. For this house, Reno is the least expensive of the 4 Nevada cities in our data with at least 5 ZIP codes, and below the Nevada average of $146 a month.

Our figures are for a $300,000 dwelling, which works out to about $5.68 a year for each $1,000 of dwelling coverage in Reno; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Reno average fell 2.5% since Nov. 2025, from $1,747 a year ($146 a month) on Nov. 30, 2025, to $1,703 ($142) on Sept. 30, 2026, as USAA’s (military families only) fell 15.0% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in Reno for our sample home (rates as of Sept. 30, 2026)

State Farm averaged $95 a month ($1,139 a year), USAA (military families only) $103 ($1,241), Farmers $129 ($1,544), Liberty Mutual $190 ($2,282) and CSAA (AAA members) $192 ($2,309) for our sample home.

Same sample home: each insurer’s average yearly price in the same Reno ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 5 insurers in the table priced the same 10 Reno ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Reno address:

• State Farm ran from $1,039 a year in 89508 to $1,207 in 89511.
• USAA (military families only) ran from $1,207 a year in 89506 to $1,275 in 89521.
• Farmers ran from $1,385 a year in 89506 to $1,658 in 89508.
• Liberty Mutual ran from $2,234 a year in 89503 to $2,397 in 89511.
• CSAA (AAA members) ran from $1,935 a year in 89521 to $2,703 in 89512.

Who has the cheapest homeowners insurance in Reno?

State Farm had the lowest home average for our sample home of the insurers anyone can buy from, $95 a month ($1,139 a year), 26.2% below Farmers’ $1,544 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Reno, ZIP code averages for this house ran from $136 to $148 a month, while insurers’ Reno averages ran from $95 to $192.

If prices stayed where they are today, the $1,143-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Reno would add up to $5,715 over five years for this house.

Same house, different city: how does Reno compare?

The same sample home costs $142 a month in Reno, $143 in Henderson, $151 in North Las Vegas and $152 in Las Vegas, the 4 Nevada cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Reno, other Nevada cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Reno has the lowest average of these Nevada cities; Las Vegas, the highest, averages $152 a month, 6.9% more for the same house.

Compared with Las Vegas, the Nevada city with the most ZIP codes in our data (41), the same house costs 6.5% less to insure in Reno.

Across the U.S., 58 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Reno, and 233 a higher one.

For the statewide picture, see home insurance costs in Nevada, Las Vegas home insurance costs and Henderson home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Reno?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Reno averages $142 a month ($1,703 a year) across the 5 insurers we compared in 10 ZIP codes (rates as of Sept. 30, 2026). That’s 2.8% below the $146-a-month Nevada average for the same house. Insurers’ averages for that same house ran from $95 to $192 a month.

Why your Reno quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Reno quote above the $142 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

What drives home insurance prices in Reno?

For our sample house, Reno is the least expensive of the 4 Nevada cities in our data with at least 5 ZIP codes, and 45.1% below the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Reno homes face.

In January 1997, flooding turned 3,830 acres of the Truckee Meadows into a lake and closed the Reno-Tahoe Airport, I-80 and U.S. Highway 395 for 2 days, according to the National Weather Service.

In December 1955, the Truckee River at Reno hit its record flood of 20,800 cubic feet per second, and the Reno airport was flooded about 4 feet deep, according to the National Weather Service.

How to find cheaper home insurance in Reno

For our sample home, insurers’ Reno averages ran from $1,139 to $2,309 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: CSAA’s (AAA members) for our sample home ran from $1,935 to $2,703 a year depending on the Reno ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 42 months of Reno’s $142-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $142-a-month Reno average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Reno?

Renters insurance for our sample renter averages $17 a month ($201 a year) in Reno. For our sample renter, prices among the 5 insurers we compared ranged from $13 to $23 a month, a $10-a-month gap for the same coverage.

Renters insurance averages by insurer in Reno for our sample renter (rates as of Sept. 30, 2026)

State Farm averaged $13 a month ($153 a year), USAA (military families only) $14 ($168), CSAA (AAA members) $14 ($172), Liberty Mutual $19 ($233) and Farmers $23 ($278) for our sample renter.

We don’t name a lowest renters insurer in Reno (the methodology explains when we do); the renters table above lists every insurer’s average for the same renter, from $13 to $23 a month.

For renters insurance, Reno is the least expensive of the 4 Nevada cities in our data with at least 5 ZIP codes: its average is 11.1% below the Nevada renters average of $226 a year ($19 a month) and 21.6% below the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 32 have a lower renters average for our sample renter than Reno, 259 a higher one. Our sample renter’s policy costs about 12% of what our sample home costs to insure in Reno.

For the same insurers and ZIP codes, the Reno renters average rose 4.8% since Nov. 2025, from $16 to $17 a month, as Farmers’ rose 19.8% and the other insurers’ prices didn’t change.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 50 sample prices by 5 insurers across 10 Reno ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a Reno apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Reno, that package averages $17 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 10 Reno ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Reno

Many Reno homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in Reno · Nevada car insurance rates · How bundling home and auto insurance works