Yerington, NV
Yerington, NV landlord and rental property insurance
What Yerington landlords should know before insuring a rental. A quote is not a binder.
Yerington is home to roughly 3,199 people in Lyon County, and about 28% of its 1,333 occupied homes are rented rather than owner-occupied, below the Nevada rate of 40%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Key housing figures for Yerington, NV
| Measure | Yerington | Nevada |
|---|---|---|
| Renter-occupied homes | 28% (375) | 40% |
| Median owner-occupied home value | $284,800 | $435,400 |
| Median gross rent | $793/mo | $1,597/mo |
| Median year structure built | 1976 | 1996 |
| Homes in 2–4 unit buildings | 9% | 7% |
| Single-family homes (detached or attached) | 72% | 66% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Insured value and premium context in Yerington
Yerington's median home value, roughly $284,800, gives a rough sense of what rentals here are worth; the state median is $435,400. For insurance, ask for a replacement-cost estimate on your specific building.
NAIC data for 2023 shows an average Nevada dwelling-fire premium of $600 in the $275,000–$299,999 coverage band, which brackets Yerington's median value; across all coverage amounts the state average was $541. Treat it as background, since landlord pricing depends on the building and occupancy.
Loss-of-rents planning in Yerington
The Census median gross rent for Yerington, $793 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $9,516 per unit.
Building age and underwriting in Yerington
A median build year of 1976 puts much of Yerington's rental stock in the 1960s–70s range. Some homes from that period used aluminum branch wiring or now-obsolete panels, so disclose upgrades clearly.
Types of rental property in Yerington
About 72% of homes in Yerington are single-family, so most local landlords insure one house at a time. A DP-3 form with liability and loss of rents is the usual starting point; our rental property insurance page explains the parts.
Yerington next to other Nevada rental cities
In Fernley, 28% of occupied homes are rented and the median value is $366,700. In Las Vegas, 43% of occupied homes are rented and the median value is $427,900. In Henderson, 34% of occupied homes are rented and the median value is $484,900. Yerington places 12 of 15 profiled Nevada cities by share of rented homes. Manufactured and mobile homes make up about 13% of Yerington's housing, and many dwelling programs underwrite those separately. Roughly 5% of homes in Yerington are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Yerington weather exposures that affect landlord claims
In Yerington, think about extreme heat that stresses roofs, HVAC, and water heaters first, then monsoon flash flooding, which needs a separate flood policy. 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.
Requesting coverage for a Yerington rental
- When the building went up and when the roof was last replaced
- How it is occupied today, including any vacancy or short-term use
- Dates of wiring, plumbing, and HVAC upgrades
- Your existing policy and recent claims
- Who holds the loan, for the mortgagee clause
- Liability limit and months of rent to protect
- Street address in Yerington and number of units
Request a Yerington landlord quote
Yerington landlord insurance questions
How many renters live in Yerington?
About 28% of occupied homes in Yerington, roughly 375 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Yerington?
Not by statute. In practice, a Yerington rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Yerington?
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 Yerington
Landlord insurance in Nevada · Cost by state
Last updated October 15, 2026. Sources and method: how we research.