Reno has 273,212 residents in 114,322 households. We list 15 agencies for umbrella insurance in Reno. Here is what the local numbers say about the cover people here need.

Reno at a glance

15umbrella 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.

Car insurance rules in Nevada

Nevada requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20. A combined single limit of $70,000 is accepted instead.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Reno How much liability cover do you need?

Source: epubs.nsla.nv.gov, limits in force since 2018-07-01. Checked 2026-10-24.

Insurance companies Reno agencies work with

Of the 15 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
Foremost6 agencies
Markel6 agencies
Nationwide6 agencies
Nationwide (Colonial)6 agencies
The Hartford6 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.

895094 agencies
895013 agencies
895023 agencies
895112 agencies
895212 agencies
895191 agency

Questions

Umbrella insurance in Reno

All insurance agencies in Reno · Umbrella insurance across Nevada

Where can I find umbrella 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 umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Which insurance companies do Reno agencies work with?

Among the 15 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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