The top-rated condo insurance agent in Elko, Nevada is Shabonya Dutton - State Farm Insurance Agent, rated 4.9 stars across 300 reviews. Other highly rated options include Brent Stokes - State Farm Insurance Agent, Michael Popp at Comparion Insurance Agency, A and H Insurance. This directory lists 12 condo insurance agents serving Elko.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shabonya Dutton - State Farm Insurance Agent | 1794 Idaho St | (775) 738-3423 |
| 2 | Brent Stokes - State Farm Insurance Agent | 698 5th St | (775) 738-9296 |
| 3 | Michael Popp at Comparion Insurance Agency | 225 Silver St Ste - 103 | (775) 748-8990 |
| 4 | A and H Insurance | 526 Idaho St | (775) 777-0900 |
| 5 | Gregory Insurance Agency | 789 Railroad St | (775) 738-7103 |
| 6 | Priority Plus Insurance & Financial Group | 521 Idaho St | (775) 738-7131 |
| 7 | Comparion Insurance Agency | 225 Silver St Ste - 103 | (775) 777-3700 |
| 8 | Hometown Solutions Insurance | 301 W Silver St | (775) 777-9771 |
| 9 | Farmers Insurance - Daena Romero Sandoval | 1010 Court St | (775) 738-3131 |
| 10 | Lisa Guttry - COUNTRY Financial Representative | 592 5th St | (775) 738-1744 |
Shabonya Dutton - State Farm Insurance Agent serves Elko, Nevada, focusing on condominium insurance solutions tailored to local homeowners. The agency helps condo owners obtain proper coverage for their units while coordinating with the master policy that applies to the building itself. This approach ensures residents understand the gap between individual and shared property responsibilities. The company works with clients to structure plans that protect personal belongings, interior fixtures, and liability exposures. It provides guidance on loss assessment endorsements and policy limits for residents in this area.
Brent Stokes - State Farm Insurance Agent in Elko, NV, provides personalized insurance services tailored for condominium unit owners. The agency offers ongoing policy review and claims assistance to ensure clients have suitable coverage for their specific needs. Standard service includes policy adjustment consultations and local support for residents. Brent Stokes - State Farm Insurance Agent serves a variety of property types, including single-family homes, apartments, retail stores, and restaurants.
Homeowners and condo owners in Elko, Nevada turn to Michael Popp at Comparion Insurance Agency for tailored condo insurance solutions. The agency’s coverage addresses the specific needs of condominium living, including interior protection and liability as dictated by association rules. Policies are analyzed carefully to match each client’s building layout and personal property value. Located in Elko, Michael Popp serves clients throughout the surrounding area, including the nearby community of Spring Creek.
A and H Insurance helps Reno clients understand the difference between a one-time policy search and an ongoing service relationship. Condo insurance coverage typically protects personal property, interior unit structures, and liability within the homeowners association framework. Local agents assess building bylaws to ensure adequate loss assessment coverage and match policies to each owner's specific risk. Service runs on either a one-time basis for a single policy quote or an as-needed basis for annual policy reviews and updates.
Gregory Insurance Agency specializes in helping condo owners secure appropriate hazard and liability coverage for their units. It provides general insurance services to residents throughout Elko, Nevada. Policy consultations focus on protecting personal belongings and interior structures not covered by a master agreement. The agency assists clients with updating their insurance when renovating kitchens or bathrooms. It also helps navigate coverage gaps that can arise during the colder months when frozen pipes pose a higher risk within unoccupied units.
Priority Plus Insurance & Financial Group in Elko, NV helps owners understand whether a single-purchase policy or a recurring annual plan better fits their needs. Their condo insurance work here typically covers the building's interior structures, personal property, and liability protection after a condominium association's master policy ends. Clients receive guidance on aligning coverage gaps with local regulations and mortgage requirements. Their service for quoting and policy management is available on a one-time or as-needed basis, allowing customers to request help when reviewing or renewing their specific condo insurance situation.
Comparion Insurance Agency provides condo insurance to residents of Elko, Nevada, and the surrounding communities in Elko County. It handles policies for individual condominium units, covering interior structures, personal belongings, and liability protection against common claims. Each policy is tailored to complement the master association coverage. To manage a typical job, the agency first reviews the condo association's master policy deductibles and then customizes the individual policy to fill specific gaps in the owner’s financial protection.
Hometown Solutions Insurance works with property owners to secure appropriate coverage plans for their residences in Elko, Nevada. The agency adds specific endorsements for protecting common areas, liability, and individual unit interiors that are unique to condo insurance. They also arrange policies for various commercial properties within the region. This includes coverage for local offices, warehouses, and food service operations.
When winter snow begins to melt in Elko, the risk of water damage to condo interiors rises, and Farmers Insurance - Daena Romero Sandoval provides policies that address this seasonal concern. This agency works with unit owners to secure coverage for interior walls, fixtures, and personal property that a master policy does not include. They clarify how deductibles apply in shared building claims. An initial inspection of the unit is typically scheduled to assess current risks and confirm appropriate coverage levels before a policy is issued.
Lisa Guttry - COUNTRY Financial Representative provides residential condo insurance services in Elko, Nevada, specializing in policies that protect individual units and shared building structures. The agency also offers commercial coverage for condominium associations within the surrounding region. Personalized consultations explain local insurance requirements and coverage options for unit owners. Ongoing client support ensures policy adjustments are made when needs change, and follow-up service remains available for questions or modifications between regular policy review visits.
What Does a a Condo Insurance Agent in Elko Cost?
The cost of a condo insurance policy in Elko Nevada typically ranges from 200 to 600 dollars per year for a standard HO-6 policy. Factors that affect the premium include the unit location, deductible amount, coverage limits, and any high-value items you insure. Costs can vary significantly based on your specific situation and the carrier. This is general information and does not constitute insurance advice.
About condo insurance agents in Elko
Condo insurance agents in Elko Nevada help owners understand the unique coverage needs of a condominium. Nevada law requires the condo association to carry a master policy but that policy often does not cover your personal belongings or interior upgrades. An agent can explain how an HO-6 policy fills those gaps and protects your investment in Elko.
Frequently Asked Questions
What does a condo insurance policy cover in Nevada?
A standard HO-6 policy in Nevada covers your personal property, interior fixtures, and liability. It also provides loss assessment coverage if the condo association charges you for a shared claim. The master policy of the association covers the building structure and common areas.
Do I need condo insurance if the association has a master policy?
Yes. The master policy typically does not cover your personal belongings, upgrades you made to the unit, or your liability if someone is injured inside your condo. An individual HO-6 policy fills these gaps and is often required by your mortgage lender.
How does Nevada law affect condo insurance requirements?
Nevada Revised Statutes Chapter 116 governs condominium associations and requires them to maintain a master property policy. However the law does not require individual owners to carry HO-6 insurance. Your lender or the association may still require it in the governing documents.