Home Insurance in Reno, NV

You put a lot of work into buying your home.

For most of us, our home is the biggest investment we will make in our lifetime.

If you’ve invested a lot of hard earned money into your property, then you should protect it. Doesn’t it make sense to find the proper Reno homeowners insurance?

Don’t wait until something bad happens. Call 775-826-1559 today and find the perfect policy for you – at a low cost!

The fact of the matter is not all Reno homeowners’ policies are the same. Things are never equal. Certain policies offer limits on coverage, different exclusions, and types of endorsements.

There are good homeowner’s policies and bad ones. Unless you’ve discussed your specific needs with a licensed professional, there’s a good chance your policy isn’t ideal for your house.

You need to work with someone who has successfully insured and protected thousands of houses in Nevada. You want to work with an insurance agency in Reno like ours that has helped Reno residents settle thousands of Nevada insurance claims.

You want to work with our brokerage: Balsiger Insurance. Our protection team is here to help you get the ideal coverage and protection while saving money at the same time.

Will Your Current Nevada Homeowners Insurance Policy Cover You If Something Bad Occurs?

While some homeowners insurance companies try to sell a one-size-fits-all policy, we know every Reno homeowner has different needs. No policy can or should cover everyone. Some will overpay for coverage they don’t need in this scenario.

We create custom Reno homeowner’s policies that ensure any potential pitfall could be covered. Here are a few things we like to address on a case-by-case basis:

• Valuable items coverage
• Water seepage protection
• Damaged tree removal
• Personal property
• Damage from sewer and water backup
• Hurricane coverage

…And more!

What If Disaster Strikes?

We live in the real world. We understand things happen. Let’s take a look at a potential situation. You never know when disaster could strike. For example:

You just came home from a long weekend at the beach in California with the family. It was a wonderful vacation. Three full days of relaxing and recharging. You couldn’t think of a better long weekend.

You pull into the garage and hop out of the truck, only to find a terrible smell immediately hits your nose.  You slowly open the door only to be hit with the strongest sewage smell that’s ever hit your nose.

Apparently, last night there was a major sewage backup that pumped nasty liquids into the houses of everyone in the neighborhood. There was a lot of damage everywhere.

You now need a hotel for the night and a cleanup crew to arrive immediately. This is going to cost you big bucks, right?… No, you purchased a policy from our team before this mess happened.

In addition, you bought a special Home Plus Package that included situations just like this. Others in the neighborhood weren’t so lucky. Many had to cover thousands in damages with their own hard-earned money.

What Pitfalls Can Be Found in Your Current Policy?

Most policies are not perfect. Your homeowners’ policy should be comprehensive. Your family’s needs should be covered. You need to protect your investment as best you can.

How can you do just that? The best way to ensure you have the coverage needed is through a periodic protection review with our team. We can help you determine whether your policy is sufficient. We can make sure you have protection when it’s time to file a claim. After all, that’s why you buy it.

Doesn’t it make sense to ensure you have the correct protection when something bad happens? You needn’t have any lapses in coverage any longer. Stop taking silly risks with your financial strength. We have local agents available to take your call. HERE

Homeowners Insurance Tips and Education

Here at Balsiger Insurance, we not only want to help you find a policy that fits all your family’s protection and pricing needs. We also love to educate all of our clients; even if they end up not buying a policy from us in the end. A few tips of the trade that we teach all of our clients is the relationship between coverage limits and deductibles.

First, every coverage in a policy is subject to a max limit the company is willing to pay for a claim. However, you can adjust some of the limits as you see fit, thus, lowering your overall premium. For example, on a typical property policy, there is a coverage called Personal Liability. This is standard, and covers you in the event someone gets hurt on, or around your premises.

This coverage usually tops out at $500,000 in most states. However, you can save a little money, and still have superior protection by carrying $300,000 worth of Personal Liability.

Deductibles

A lot of policyholders do not like to pay their deductible when they have to file a claim. But, did you know that if your policy had no deductible at all, your policy would be so expensive, it might not be affordable anymore? This is true. The deductible is a good thing. Is helps you stay responsible for a portion of any claim you file, thus, making your premium much lower.

In addition, you have the ability to adjust your deductible too. Most homeowner’s insurance deductibles are $1,000. However, if you have back up finances for a “rainy day,” some of these clients have increased their deductible to $1,500, $2,000, even $2,500 and up. This will significantly decrease a homeowner’s monthly premium. We do not recommend this for all of our clients, depending on their personal finance situation. If you do not have a rainy day fund, and carry a high deductible, you need to file a claim. This method of saving money today, could hurt you tomorrow if you need to file a claim and do not have the deductible money. Our expert team will go over your individual needs with a fine-tooth comb to ensure the right decision gets made.

Finding the Perfect Homeowners Insurance Policy Today
Our professional staff is here to make sure you have the ideal protection. We can help you accomplish all your goals – at a low price. With a thorough protection review and a variety of options, we’re confident we can offer you the policies you need at the price you’re going to love.

Your coverage doesn’t need to be complex. If you have any questions, are interested in different policies, or want to find out if you’ll be covered in a specific situation, get in touch today. Our agents can answer common questions, such as: will I be covered under this situation, can I pay with a credit card, do I need earthquake insurance, are there home security systems discounts? We offer no obligation homeowners insurance quotes in Reno, Nevada. We’ll find the perfect protection for you, and there’s a good chance we’ll save you some cash in the process.

Don’t delay! Give our team a call today:

(775) 826-1559

What is the best home insurance?
The best home insurance depends on the coverage you want and the type of home you have. If you want to shop the best companies without giving your information to a bunch of different agents you are in the right spot! Customer satisfaction is our goal.

Reno, Las Vegas, Henderson, Boulder City, Laughlin, Pahrump, Sparks, Elko, Fallon, Fernley and anywhere else in Nevada we can save you up to 37% on your bill!

Combine with your car insurance policy and save on your monthly bill. As your insurance company, we will make sure you get every possible discount on your policy… And don’t forget to ask about all the discounts available like: age of home, alarm discount, multi-policy, claim free, home and auto insurance bundles and more! We also offer health and life insurance in Reno and Sparks, NV.

Home insurance is so much more than just a price… all policies are not created equal… there are limits on property like guns, fine arts, jewelry, tools and collectibles.  There are options that may or may not be included like earthquake coverage, scheduled property, identity theft, horse coverage and many more that a thorough broker will walk you through!

What about deductibles, amounts of coverage, loss of use… if you don’t have a thorough understanding of your policy you likely have basic coverage! Our team will help you tailor a package with leading Nevada homeowners insurance companies that gives you the best pricing and coverage.

Interested in more options? Give one of our agents a call now: (775) 826-1559

Office Address: Balsiger Insurance, 499 W Plumb Lane, Ste 201, Reno, NV 89509