Local Gardnerville, Nevada insurance coverage that fits your family & business needs, with a team that knows your name.
Home, ranch, and flood insurance in Gardnerville, Nevada
Gardnerville sits next to Minden in the Carson Valley, with Basque heritage, historic ranches, and the Gardnerville Ranchos neighborhoods to the south. US-395 runs through town toward Carson City and the Eastern Sierra.
Homeowners insurance
From historic homes downtown to the Gardnerville Ranchos and newer subdivisions, we shop homeowners coverage across carriers. We also write landlord policies for rental owners.
Ranches and rural properties
For ranches, horse properties, and hobby farms, we write farm and ranch coverage that covers barns, equipment, and livestock, along with umbrella insurance.
Flood, wildfire, and earthquake
The Carson River can flood the valley floor in big storms and snowmelt, foothill homes face wildfire risk, and western Nevada has significant earthquake risk. A standard home policy does not cover flood or earthquake, so we quote both.
Your insurance team for Gardnerville, Nevada
We work with Gardnerville households and business owners, and also serve nearby Minden, Genoa, Topaz Lake, Johnson Lane, and Carson City, 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 Gardnerville, Nevada providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Gardnerville, Nevada.