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Sturgis - Garver Insurance & Retirement LLC / ALLSTATE
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Sturgis - Garver Insurance & Retirement LLC / ALLSTATE
Contact Us
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Home Owners Insurance in Reno, NV

How to get discounts on homeowners insurance?

The simplest way to get a discount is to bundle your policies with a single insurance agent. Local insurance agents typically have multiple carrier partnerships and can find you the best deal while bundling. Bundling does not always mean you will have multiple policies with a single insurance carrier. Here is an example where your agent at our agency Sturgis - Garver Insurance & Retirement LLC / ALLSTATE can help you consolidate, bundle and figure out how to save you money overall –
  1. Personal Auto with Progressive
  2. Home Insurance with Travelers
  3. Umbrella (typically with the Auto Insurance carrier) with Progressive
  4. Boat Insurance with SkiSafe
  5. Business Insurance with Hartford

What about Renters and Condo insurance?
  1. Condo owners insurance essentially the same as homeowners insurance. There are some differences since there are some factors at play such as Home Owners Associations (HOA’s) and they also carry insurance, but in essence, getting insurance for your condo is comparable (maybe less expensive in some areas) to home owners insurance. A cousin to homeowners (or condo owners) insurance is Renters insurance – this is an increasingly popular policy among people renting. The Great Recession may have been a catalyst as more people resorted to renting rather than buying, but there is data that shows that millennials prefer to rent rather than make a larger investment of their time and money in a home/mortgage.
  2. Renters insurance typically covers the valuables in the renter’s apartment/condo/home. The primary insured is the person/s renting the home and the estimated value of their property in the rental unit. It normally covers fire and casualty damage, but there are some additional coverages available in some areas like theft coverage, jewelry/valuables, etc.
  3. To learn more from our experts in the Reno, NV and surrounding areas, get in touch with us.

Why use a local insurance agent for homeowners insurance?
  1. Homes are physically rooted to one spot. And the location they are in has unique characteristics. From city ordinances to county and state regulations, conditions vary.
  2. And then there are geographical factors that Mother Nature contributes to, sometimes in very large meaningful ways – think earthquakes, forest fires and hurricanes.
  3. A local insurance agent doesn’t have to be in in your backyard. They can be within a hundred or so miles and completely understand the nuances surrounding your home. A local insurance agent has knowledge that a non-local agent just does not have. Information like – what is the financial health of the largest home insurance carrier in your county; or are home insurance rates expected to rise in your area because of recent events.
  4. So, call us, your local insurance agent – we understand the Reno, NV area very well and can give you quality (and money saving) insurance advice.

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Sturgis - Garver Insurance & Retirement LLC / ALLSTATE has other insurance programs like Auto Insurance in Reno, NV.