Local Reno, Nevada insurance coverage that fits your family & business needs, with a team that knows your name.
Home, wildfire, and flood insurance in Reno, Nevada
Reno sits in the Truckee Meadows at the base of the Sierra Nevada, about 45 minutes from Lake Tahoe. The University of Nevada, Reno, a growing tech and manufacturing economy, and easy access to the mountains have brought rapid growth.
Wildfire along the Sierra front
Homes in the foothills and along the edges of town face real wildfire risk. The 2011 Caughlin Fire and 2012 Washoe Drive Fire destroyed homes in the Reno area, and the 2024 Davis Fire forced evacuations in Washoe Valley. Carriers look closely at defensible space and roof type. We shop homeowners coverage across carriers and help you get credit for mitigation.
Truckee River flooding and earthquake
The Truckee River flooded downtown Reno in 1997 and again in 2005, and western Nevada is one of the most seismically active areas in the country. A standard home policy does not cover flood or earthquake, so we quote both separately.
Snow, autos, and businesses
Winter driving on I-80 over Donner Pass and I-580 shapes auto insurance needs. We also insure businesses, contractors, and trucking operations tied to the region's growing industrial base.
Your insurance team for Reno, Nevada
We work with Reno households and business owners, and also serve nearby Sparks, Sun Valley, Verdi, Washoe Valley, and Spanish Springs, 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 Reno, Nevada providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Reno, Nevada.