Insurance for the way we live and work in the Sierra.
Truckee, Tahoe, Reno and Northern Nevada come with their own set of risks — wildfire, snow, construction, second homes, local businesses and a market that changes constantly.
Donner Pass Insurance Services helps people here make sense of it. Straight answers, realistic options, and coverage built around the actual situation.
Common Situations We Help With
- Homeowners being non-renewed or pushed into the California FAIR Plan
- FAIR Plan + DIC coverage questions
- Mountain homes, second homes, cabins, condos, vacation rentals, long-term rentals, and wildfire-exposed properties
- Contractors needing liability, workers comp, commercial auto, or excess coverage
- Restaurants, breweries, hospitality businesses, and local operators reviewing coverage gaps
- Business owners dealing with rising costs, carrier changes, or hard-to-place risks
- Coverage reviews when something does not feel right or has not been looked at in years
Insurance Services
We help local businesses, contractors, property owners, and households review coverage around real risks in Truckee, Tahoe, Reno, Northern Nevada, and the Sierra.
Commercial Insurance
Coverage for contractors, restaurants, hospitality businesses, local operators, property owners, and small businesses — including liability, workers comp, commercial auto, property, and excess coverage.
Learn more about Commercial Insurance.
Personal Insurance
Coverage guidance for primary homes, second homes, condos, rental properties, renters, vehicles, boats, RVs, and recreational risks — including wildfire-exposed properties and the different coverage paths available in California and Nevada.
Learn more about Personal Insurance.
Homes, Rentals, Wildfire & DIC Coverage
Property owners and renters in Truckee, Tahoe, Donner Lake, Tahoe Donner, North Lake Tahoe, Incline Village, Reno, and nearby Sierra communities face an insurance market shaped by both location and how a property is used.
Wildfire exposure, roof age, defensible space, deck material, heating type, property condition, occupancy, short-term or long-term rental use, and recent photos can all affect what options may be available.
We help with primary homes, second homes, condos, cabins, landlord and vacation-rental exposures, and renters coverage. Where standard homeowners or landlord coverage is available, we review those options first. For California properties where standard fire coverage is limited, we also explain the FAIR Plan and companion DIC coverage. Nevada properties follow different markets and coverage paths.
Learn more about Homeowners Insurance, Renters Insurance, or California FAIR Plan / DIC Coverage.
Ready to talk through the property? Start a Home & Rental Review.
Contractor and Business Coverage
Local businesses face real coverage issues that do not always show up on a basic application.
A painting contractor, restaurant, brewery, retail shop, property owner, and service business may all need very different coverage structures. Payroll, subcontractor use, commercial auto, certificates, waivers, additional insured requirements, lease obligations, liquor liability, property coverage, and excess limits can all matter.
We help business owners understand what is being covered, what may be missing, and where the insurance program may need to be adjusted.
Learn more about Contractor Insurance.
Start a Business Coverage Review.
Local Knowledge Matters
Donner Pass Insurance Services is based in Truckee, California, and focused on the realities of the Sierra Nevada region.
From wildfire exposure, mountain homes, rentals, and second-home owners to contractors, restaurants, and local businesses, we understand the risks that standard quote forms often miss.
The goal is not to sell a policy and disappear. The goal is to help clients understand realistic options, make informed decisions, and build coverage that actually fits the situation.
Independent Options. Straight Answers.
As an independent insurance agency, Donner Pass Insurance Services is not tied to one carrier.
That does not mean every risk has unlimited options. In today’s market, some homes and businesses are difficult to place, and some coverage paths require more structure than others.
What we can do is help review the situation, explain the available options, and give you a straight answer about what may or may not make sense.
Start With a Coverage Review
If you already have coverage, we can review it and help identify potential issues.
If you are starting fresh, dealing with a non-renewal, buying a property, renewing a business policy, or trying to understand FAIR Plan, DIC, contractor, restaurant, or commercial coverage options, we can walk through what actually makes sense.
Prefer to talk it through? Call or text (530) 606-2626 or email for a coverage review.
No pressure. No generic quoting. Just a straight answer.