Reno has 273,212 residents in 114,322 households. We list 16 agencies for business owners policy (bop) insurance in Reno. Here is what the local numbers say about the cover people here need.

Reno at a glance

16business owners policy (bop) insurance agencies listed
50.2%of households rentRenters insurance
$548,300median home valueHome insurance
1990median year homes were builtRebuild cost calculator
8.4%of households have no carAuto insurance
3.6%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Washoe County

FEMA rates the overall natural hazard risk in Washoe County, where most Reno agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Reno
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Reno

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Reno agencies work with

Of the 16 Reno agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers11 agencies
Liberty Mutual10 agencies
Safeco9 agencies
Liberty Mutual (Safeco)8 agencies
Progressive7 agencies
The Hartford7 agencies
AmTrust6 agencies
Foremost6 agencies
Markel6 agencies
Nationwide6 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Reno agencies are

Reno agencies we list sit in 6 ZIP codes, mostly in Washoe County.

895013 agencies
895023 agencies
895093 agencies
895113 agencies
895192 agencies
895212 agencies

Questions

Business Owners Policy (BOP) insurance in Reno

All insurance agencies in Reno · Business Owners Policy (BOP) insurance across Nevada

Where can I find business owners policy (bop) insurance in Reno?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does business owners policy (bop) insurance cover?

Bundles property, liability and business interruption for smaller firms.

Which insurance companies do Reno agencies work with?

Among the 16 Reno agencies whose appointments we hold, the companies they are most often appointed with are Travelers (11), Liberty Mutual (10), Safeco (9), Liberty Mutual (Safeco) (8), Progressive (7). An appointed agency can quote that company's policies.

Do I need flood insurance in Reno?

FEMA's National Risk Index rates inland flooding risk in Washoe County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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