Built here. For here.
Experienced Insurance Guidance for California & Nevada
From mountain homes and personal insurance to businesses and complex commercial operations, Donner Pass Insurance Services brings extensive industry experience, independent market access, and a practical understanding of our region’s risks.
Truckee is our home base. We serve individuals, families, property owners and businesses across California and Nevada, from the Sierra foothills through Lake Tahoe to Northern Nevada.
Start Here
What can we help you with?
Start with the part of your insurance life that needs attention. We can connect the pieces from there.
Home & Personal
Mountain homes, rentals, wildfire exposure, FAIR Plan + DIC, umbrella coverage, renters, boats, RVs and the other things that come with living here.
Business Insurance
Contractors, local businesses, restaurants, hospitality and growing companies — including workers compensation, commercial auto, cyber, bonds and construction-related risks.
Auto Insurance
Personal auto for Sierra and Northern Nevada households, including changing drivers, multiple vehicles and coverage that has not been reviewed in a while.
Independent by Design
Local context matters. So does having options.
Donner Pass Insurance Services is an independent Truckee agency. We are not tied to one carrier or one type of client, which matters in a region where wildfire, snow, construction, tourism, rentals and changing business operations can all affect the insurance conversation.
Where We Usually Come In
Insurance gets interesting when something changes.
Most people do not wake up wanting to shop insurance. They come to us because a renewal, property, project, vehicle or business changed and the old answer stopped fitting.
Your business changed
You added an employee, truck, subcontractor, location, piece of equipment or new contract — and you want to know whether the insurance kept up.
Your property became harder to insure
A non-renewal, wildfire exposure, second home, rental use or FAIR Plan conversation changed the path.
You are building or remodeling
New construction, a major remodel or a lender requirement can create a completely different insurance need during the project.
Your household changed
A new driver, vehicle, property, umbrella need or move is a good reason to make sure the personal side still works together.
Why Donner Pass
Independent insurance with real local people behind it.
DPIS combines independent market access and decades of institutional insurance experience with an agency rooted in the community it serves. The point is not to make insurance sound complicated. It is to understand the situation, explain the tradeoffs and keep the next step clear.
A Truckee contractor, a Tahoe second-home owner and a Reno business may all need insurance, but they do not have the same problem. We start there.
Member, Contractors Association of Truckee Tahoe
Management Liability Insurance Specialist (MLIS)Need a hand? We’re here to help.
Tell us what you’re looking to protect. We’ll help you find the right place to start.