A And H Insurance
3301 S. Virginia St., Reno, NV 89502
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3301 S. Virginia St., Reno, NV 89502
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3724 Lakeside Dr, Suite 100, Reno, NV 89509
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1100 E Plumb Ln, Ste F, Reno, NV 89502
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3100 Mill St, Ste 102, Reno, NV 89502
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5340 Kietzke Ln, Ste 201, Reno, NV 89511
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445 Apple Street, #110, Reno, NV 89502
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770 Trademark Drive, Suite 211, Reno, NV 89521
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1575 Delucchi Ln, Ste 115, Reno, NV 89502
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9484 Double R Blvd., Suite B, Reno, NV 89521
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460 E Plumb Ln, STE B, Reno, NV 89502
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Learn about insurance coverage options specific to Reno residents.
Reno homeowners pay $1,316/year average for home insurance. Learn how wildfire zones affect rates and strategies to lower your premium in Nevada.
Home InsuranceReno home insurance averages $1,200-$1,400/year. Learn about wildfire coverage changes in 2026, earthquake protection, and winter freeze risks.
Car InsuranceReno auto insurance averages $1,878/year. Learn Nevada's 25/50/20 requirements, winter driving coverage needs, and why uninsured motorist protection matters.
Car InsuranceReno drivers pay $1,878/year on average—$880 less than Las Vegas. Learn how bundling, location, and Reno's unique risks affect your car insurance rates.
General Insurance EducationComplete insurance guide for Reno residents. Learn Nevada requirements, wildfire coverage changes, winter risks, and how to protect your home and car.
Renters InsuranceReno renters insurance averages $18/month. Get protection from wildfire smoke, theft, and liability. Learn what's covered and find affordable quotes.
Wildfire risk is the primary driver of high insurance costs in Reno, particularly for homes in the wildland-urban interface or at higher elevations near forested areas. In 2023, Nevada saw insurance application denials for wildfire risk increase by 104.8%, and policy cancellations jumped 82%. Insurers factor in your property's proximity to vegetation, elevation, construction materials, and distance from fire protection when pricing your policy.
Defensible space is the area around your home where vegetation and other flammable materials are managed to reduce wildfire risk. It's divided into three zones extending 100 feet from your structure. Insurers increasingly require defensible space documentation before issuing or renewing policies in high-risk areas, and proper vegetation management can help you qualify for coverage and potentially lower your rates.
No, Nevada currently does not have a FAIR Plan like California does. Legislation has been proposed to establish an insurance program of last resort, but it hasn't been enacted yet. This makes it critical for Nevada homeowners to maintain coverage with standard insurers by mitigating risk factors and shopping aggressively for competitive rates.
Starting January 1, 2026, Nevada insurers are legally permitted to exclude wildfire coverage from standard homeowners policies and offer it as separate standalone coverage. Nevada is the first state to explicitly allow such exclusions. This could significantly impact your coverage options and costs, making it important to review your policy carefully and understand what's actually covered.
The average homeowners insurance premium in Reno is approximately $1,316 per year for $300,000 in dwelling coverage with a $1,000 deductible. However, actual costs vary significantly based on your specific location, home age, construction materials, wildfire risk zone, and the insurer you choose. Rates can differ by $400 or more annually between companies for identical coverage.
The most effective strategies include creating proper defensible space around your home, bundling home and auto insurance (typically saves 15-25%), raising your deductible to $2,500 or higher, shopping around with multiple insurers, and asking about discounts for protective devices like monitored fire alarms or security systems. Also ensure your insurer knows about recent home improvements like a new roof or updated electrical system.
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