Reno Car Insurance

You could lose your drivers license if you operate your vehicle without car insurance. Reno drivers can avoid this situation by carrying at least the minimum liability coverage. In addition, you may want to insure your vehicle against damage from things such as fallen trees, vandalism, or weather.

Factors that influence how much you'll pay for Reno car insurance include your address, your driving record, your age, how much deductible you're willing to pay, and your past insurance claims. To get a quote for Reno car insurance, have your vehicle make and model, the vehicle VIN number, and your drivers license handy.

Reno Homeowners Insurance

Homeowners Insurance protects you from such catastrophes as fires, theft, and damage due to tornadoes and some other natural disasters. Most homeowners policies also include liability insurance to cover legal fees should someone be injured on your property.

There are a variety of factors that influence rates for Reno homeowners. Insurance agents will want to know the location, age, value, and construction of the property as well as details like number of bedrooms, number of outbuildings, the size of the lot, and if your home has a basement. Other factors that influence the rate you pay for Reno homeowners insurance include your past claim history. Discounts are often offered for having an alarm system, good credit, and being a non-smoker.

In addition to the basic Reno homeowners insurance policy, you might consider a rider policy for valuables that aren't covered or have limited coverage in the basic policy. These include such things as artwork, fine jewelry, sterling silver, oriental rugs, and electronics.

Reno Life Insurance

Life Insurance provides funds for your funeral and for living expenses for your survivors after you die. In Reno, life insurance may be purchased through independent agents, corporate agencies, or via online brokers.

Life insurance comes in many styles, suited for a variety of needs. Reno residents can choose from term--life insurance that lasts for a specific time frame--or whole life, insurance that covers you for the rest of your life and builds cash value. Term insurance is generally less expensive than whole life. Other factors that influence the rate are the insured's age, health, and occupation.

Reno residents should consider using the same agent for all of their insurance needs. Most companies offer a discount for buying multiple policies.