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.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.
We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.
"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
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.
