Local Fernley, Nevada insurance coverage that fits your family & business needs, with a team that knows your name.
Home, flood, and auto insurance in Fernley, Nevada
Fernley sits along I-80 in Lyon County, about 30 miles east of Reno. Affordable homes and quick access to the Tahoe-Reno Industrial Center have made it one of the fastest-growing towns in northern Nevada.
Flood risk from the Truckee Canal
In January 2008, a breach in the Truckee Canal flooded hundreds of homes in Fernley. Many of those homeowners did not have flood insurance, because a standard home policy does not cover it. We quote flood insurance for homes in and out of mapped zones.
Homeowners insurance
Much of Fernley is newer construction, with older homes and larger lots on the edges of town. We shop homeowners coverage across carriers, and we quote earthquake insurance, which is also separate from a standard policy.
Commuters, trucking, and businesses
Commutes on I-80 to Reno and the industrial center shape auto insurance needs. We also insure trucking operations, contractors, and local businesses.
Your insurance team for Fernley, Nevada
We work with Fernley households and business owners, and also serve nearby Wadsworth, Fallon, Dayton, Silver Springs, and Sparks, along with communities across Nevada.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Don’t see your business? Tell us what you do.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Fernley, Nevada providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Fernley, Nevada.