Reno, NV
Landlord insurance in Reno, Nevada
Local rental data and insurance guidance for Reno property owners. A quote is not a binder.
Reno is home to roughly 275,000 people in Washoe County, and about 50% of its 114,322 occupied homes are rented rather than owner-occupied, above the Nevada rate of 40%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Reno rental housing by the numbers
| Measure | Reno | Nevada |
|---|---|---|
| Renter-occupied homes | 50% (57,365) | 40% |
| Median owner-occupied home value | $548,300 | $435,400 |
| Median gross rent | $1,556/mo | $1,597/mo |
| Median year structure built | 1990 | 1996 |
| Homes in 2–4 unit buildings | 8% | 7% |
| Single-family homes (detached or attached) | 56% | 66% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
What home values in Reno mean for your dwelling limit
The median owner-occupied home in Reno is valued at about $548,300, higher than the Nevada median of $435,400. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
For context, the NAIC reported that Nevada dwelling-fire policies insuring $500,000 to $599,999 averaged $589 a year in 2023, against a statewide dwelling-fire average of $541. Those are owner-occupied dwelling-form figures, not landlord quotes.
How much rent to protect in Reno
With median gross rent near $1,556 per month, twelve months of interrupted income in Reno comes to about $18,672 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
Older vs. newer rentals in Reno
Half of Reno's homes were built before 1990 and half after. Polybutylene supply lines were installed in some homes from the late 1970s to mid-1990s, and insurers may ask whether they have been replaced.
Reno's mix of rental buildings
Roughly 56% of Reno homes are single-family, 8% sit in small 2–4 unit buildings, and 32% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
Reno next to other Nevada rental cities
Nearby Sparks reports 40% renter households and a $483,800 median home value, so proportionally fewer renters than Reno. Nearby Las Vegas reports 43% renter households and a $427,900 median home value, so proportionally fewer renters than Reno. Nearby Henderson reports 34% renter households and a $484,900 median home value, so proportionally fewer renters than Reno. Reno places 1 of 15 profiled Nevada cities by share of rented homes. Buildings with five or more units hold about 32% of Reno's homes; those generally need commercial apartment coverage rather than dwelling forms.
Storm and hazard considerations in Reno
In Reno, think about wildfire and smoke near the Sierra front first, then high wind events. Both appear frequently in Nevada property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Getting a landlord quote in Reno
- Property location in Reno and unit count
- Construction year plus the age of the roof
- How it is occupied today, including any vacancy or short-term use
- Electrical, plumbing, and heating update years
- Current insurer and any losses in five years
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
Questions from Reno rental owners
How many renters live in Reno?
About 50% of occupied homes in Reno, roughly 57,365 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Reno?
Not by statute. In practice, a Reno rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
What is a typical landlord premium in Reno?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Nevada dwelling-fire average of $541; see our Nevada page for the full table.
More landlord pages near Reno
Landlord insurance in Nevada · Cost by state
Last updated October 15, 2026. Sources and method: how we research.