State Farm leads our rankings of the best home insurance in Reno with a MoneyGeek score of 4.36 out of 5, providing reliable local agent support and competitive rates at $89 monthly. USAA earned the highest score at 4.72 for military families and veterans but didn't earn the No. 1 spot in our ranking because of its eligibility requirements. Allstate, American Family and Capital Insurance Group round out our top five.
Best Cheap Home Insurance in Reno, Nevada
Updated: January 27, 2026
Advertising & Editorial Disclosure
Compare the Best Home Insurance Companies in Reno
| State Farm | 4.36 | $89 |
| USAA | 4.72 | $97 |
| Allstate | 4.2 | $81 |
| American Family | 4.16 | $126 |
| Capital Insurance Group | 4.14 | $72 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
Our Top 3 Recommendations for Reno Homeowners Insurance
State Farm
Best for Reno Homeowners
MoneyGeek Rating
4.4/ 5
4.7/5Affordability
4.1/5Customer Experience
3.8/5Coverage
J.D. Power Customer Satisfaction Score
657From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$89Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
USAA
MoneyGeek Rating
4.7/ 5
4.5/5Affordability
5/5Customer Experience
4.9/5Coverage
J.D. Power Customer Satisfaction Score
737From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000. *USAA earns a score but is not ranked due to its eligibility requirements.Average Monthly Premium
$97Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
Allstate
MoneyGeek Rating
4.2/ 5
4.8/5Affordability
3.5/5Customer Experience
3.2/5Coverage
J.D. Power Customer Satisfaction Score
633From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$81Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
How Much Does Reno Home Insurance Cost?
Reno homeowners pay an average of $101 monthly for home insurance with $250,000 in dwelling coverage, slightly below Nevada's average of $105 per month. Your actual premium depends on your home's age, construction materials, proximity to wildfire zones and your chosen deductible amount. Home insurance costs also vary across Nevada cities like Las Vegas, where local risk factors and home values affect premiums.
Reno's high desert location increases premiums through wildfire risk assessments and wind exposure ratings. Homes near the Sierra Nevada foothills or areas with limited fire protection services pay higher premiums because of wildfire danger.
See how average costs in Reno compare by coverage level.
| $100K Dwelling / $50K Personal Property / $100K Liability | $59 | $704 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $101 | $1,214 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $182 | $2,182 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $262 | $3,138 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $342 | $4,103 |
Who Has the Cheapest Home Insurance in Reno?
Capital Insurance Group has the lowest home insurance rates in Reno at $72 monthly, saving homeowners 29% compared to the city's $101 average. Allstate ranks second for affordability at $81 per month, giving a 20% discount from typical Reno premiums while maintaining strong coverage options and local agent support.
| Capital Insurance Group | $72 | -28% |
| Allstate | $81 | -20% |
| Nationwide | $87 | -14% |
| State Farm | $89 | -12% |
| USAA | $97 | -4% |
COMPARE COVERAGE, NOT JUST COST
The cheapest rates don't always give the best value for Reno homeowners. Compare coverage limits, deductibles and customer satisfaction ratings alongside premiums to make sure you get adequate protection. Learn more about top providers in the state in our review of the best home insurance companies in Nevada.
How to Get the Best Cheap Home Insurance in Reno
Finding affordable home insurance in Reno requires balancing cost savings with adequate coverage for the area's risks.
Compare quotes from multiple insurers
Request quotes from at least three companies since rates vary, with average premiums ranging from $72 to $126 monthly among top-rated Reno insurers.
Bundle home and auto policies
Most Reno insurers give 10% to 25% discounts when you combine policies, with companies like Allstate and State Farm providing substantial multi-policy savings.
Maintain a strong credit score
Nevada insurers use credit-based insurance scores when calculating premiums, and improving your credit can lower rates substantially over time.
Upgrade your home’s safety features
Installing monitored security systems, smoke detectors, fire sprinklers and storm shutters can qualify you for discounts of 5% to 20% depending on the improvements.
Best Home Insurance in Reno: Bottom Line
Reno homeowners pay an average of $101 monthly for home insurance, with rates of $72 to $126 among top providers, depending on your home's wildfire risk and coverage needs. State Farm has the best combination of affordability and service at $89 monthly, while Capital Insurance Group provides the cheapest home insurance rates at $72.
Reno Home Insurance: FAQ
Reno homeowners often have questions about coverage requirements and ways to reduce premiums.
Does home insurance cover wind damage in Reno?
Standard home insurance policies cover wind damage from Reno's frequent high winds and occasional severe windstorms. Your policy covers repairs to your roof, siding, windows and other structures damaged by wind, minus your deductible.
What doesn't home insurance cover?
Standard policies exclude flood damage, earthquakes, normal wear and tear and damage from lack of maintenance. Reno homeowners near the Truckee River or in flood-prone areas should purchase separate flood insurance through the National Flood Insurance Program.
Is home insurance required in Reno?
Nevada doesn't legally require home insurance, but mortgage lenders require coverage until you pay off your loan. Even homeowners without mortgages should keep insurance to protect against financial losses from wildfires, windstorms and other risks common in the Reno area.
What discounts are available for Reno homeowners?
Reno homeowners can save through bundling home and auto policies (10% to 25% discount), installing security systems (5% to 15% off), upgrading to fire-resistant roofing materials (up to 20% savings) and keeping a claims-free history for three or more years.
Our Methodology: Determining the Best Cheap Home Insurance Companies in Reno
We analyzed premium data from Quadrant Information Services for 10 major insurers serving Nevada, then evaluated their coverage options and customer experience to identify companies with the best combination of affordability, financial strength and service for Reno homeowners.
Our base profile used a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage. All policies included a $1,000 deductible to make sure we compared rates accurately. We also analyzed rates for newly constructed homes, increased dwelling coverage limits, higher deductibles of $2,500 or $5,000 and homeowners with poor credit scores to understand how insurers price coverage across different risk profiles.
We combined affordability scores (weighted 55%), customer satisfaction data from J.D. Power surveys and customer reviews (weighted 30%) and coverage add-on availability (weighted 15%) to calculate each company's final MoneyGeek score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.