Wildlife Insurance: The Two-Policy Burden
In high-risk regions like Reno, Sparks, and Lake Tahoe, a new financial reality has taken hold: the “Two-Policy” Burden. As of January 1, 2026, Nevada law (AB 376) allows insurance carriers to “carve out” wildfire coverage from standard homeowners’ policies. This shift forces residents in the Wildland-Urban Interface (WUI) to manage two separate insurance products—a …