Personal Insurance for Sierra and Northern Nevada Living
Life Here Is About Pursuit. We Protect It.
Living in Truckee, Tahoe, and Northern Nevada means chasing what matters most — adventure, family, freedom, and balance. At Donner Pass Insurance Services, we understand that pursuit because it’s our life too. From protecting your home in wildfire country to covering the toys and tools that make mountain living possible, we build personal insurance solutions that keep you moving forward.
Property Insurance in High-Risk Zones
Wildfire risk has reshaped the property insurance market in Truckee, Tahoe, and across Northern Nevada. Many homeowners are being pushed into the California FAIR Plan, while Nevada is exploring its own version for high-risk properties.
- California FAIR Plan eligibility and limitations
- Alternatives through admitted and non-admitted carriers
- Layered coverage strategies combining FAIR Plan with liability and theft
- Northern Nevada exposures like wildfire zones, snow load, and rural access
Lifestyle Coverage for Mountain Living
- Auto Insurance — standard, high-risk, and multi-vehicle households
- Snowmobile Insurance — collision, liability, and trail coverage
- Boat Insurance — inland lakes and coastal waters, including trailers and accessories
- Umbrella Liability — extra protection across all your personal assets
- Renters Insurance — affordable coverage for personal property and liability
Disability Insurance: Coverage Where Work Doesn’t
Most disabilities come from illnesses or accidents outside of work — skiing crashes, mountain biking spills, or unexpected health conditions. Disability insurance steps in where workers’ comp doesn’t, protecting your income and your family’s financial security.
- Short-Term Disability — replaces income for 3–6 months
- Long-Term Disability — coverage that can last years, even to retirement age
- Recreational Coverage — protection if you’re hurt while skiing, riding, or boating
Local Expertise, Personal Service
We’re based in Truckee and serve the entire Sierra and Northern Nevada region:
- Lake Tahoe — North Shore, South Shore, Homewood, Tahoma
- Truckee — full-time residents, second homes, and seasonal rentals
- Northern Nevada — Reno, Sparks, Carson City, Incline Village
Let’s Protect What Matters
Donner Pass Insurance Services
A DBA of Trucoop, Inc.
📍 Based in Truckee, CA
📞 (530) 606-2626
📧 steve@donnerpassinsurance.com
California Insurance License #0E63692 | California Agency License #6017495 | Nevada Non‑Resident License #197689 | Nevada Agency License Pending