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Best Homeowners Insurance Agencies in Citrus Heights, CA

Our Recommended Top 7

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  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Citrus Heights Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

198 Cirby Way, Roseville, CA 95678 Rating

Review Sources

4.4 (5)
5.0 (2)

Why choose this provider?

Woodcreek Ins. Services is a full-service, independent insurance agency in Citrus Heights that offers a range of insurance programs. With access to multiple insurance providers statewide, this agency provides homeowners' insurance coverage options that secure clients' homes and belongings. Its professionals assist clients who are purchasing a new home, refinancing the home, or applying for renewal. Woodcreek Ins. Services also provides auto, motorcycle, general liability, and commercial property insurance policies.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

7649 Sunrise Boulevard, Citrus Heights, CA 95610 Rating

Why choose this provider?

John C. Meyer Agency offers various types of home insurance for residents and families in Citrus Heights. Established in 1956, this firm helps clients compare rates from various insurance carriers on the market. Its website provides a secure search engine for homeowners who want to search for specific plans customized according to their home's value. The agents at this firm also secure policies for tenants and condominium owners. John C. Meyer Agency also handles vehicle, boat, and business insurance.

  • Renter's Insurance
  • Multiple Policy Types

5006 Sunrise Blvd, Ste 202, Fair Oaks, CA 95628 Rating

Review Sources

5.0 (14)
5.0 (8)

Why choose this provider?

R. K. Jacobs Insurance Services Inc. helps clients in the Citrus Heights metro area by offering a variety of homeowners insurance options. It helps clients to select homeowners insurance plans to cover the liabilities associated with their properties and insure for replacement costs if damage happens. Its agents can advise clients on types of coverage for the actual dwelling and for one's possessions. Condominium insurance is available and insurance is available to renters.

  • Personal Property Insurance
  • Multiple Policy Types

4150 Manzanita Avenue, Carmichael, CA 95608 Rating

Review Sources

5.0 (29)
4.3 (13)
3.5 (7)

Why choose this provider?

SaveMost Insurance Services LLC is active in the Citrus Heights metro area and offers homeowners insurance plans. It provides coverage for property and personal belongings and works on behalf of clients to find quotes that cover the amounts of risk they have. These plans can also cover liability in case guests are hurt on a client's property. SaveMost Insurance Services LLC advises clients on plans that account for medical costs and living expenses if a person's home is damaged or destroyed.

  • Earthquake
  • Flood
  • Fire

7520 Greenback Lane, Citrus Heights, CA 95610 Rating

Review Sources

5.0 (27)
4.3 (20)
3.5 (6)

Why choose this provider?

Beach & O'Neill Insurance Associates is a full-service insurance company offering personal lines to clients in Citrus Heights and nearby communities. The business has been serving the insurance industry for more than 60 years. Its agents help homeowners determine which coverages are fit for their properties and belongings. Its basic home insurance coverage includes liability protection, medical payments for other people injured in the property, replacement cost for valuable items, and additional living expenses when the home has been fully-destroyed.

  • Multiple Carriers
  • Multiple Policy Types

Citrus Heights, CA Rating

Why choose this provider?

Hub is an insurance agency that offers homeowners insurance plans in Citrus Heights. This agency helps clients to find quotes for their homes and their possessions and get plans that match their amount of liability. It can also insure jewelry, fine art, and other possessions as needed. Hub offers renter's insurance and can insure owners of condominiums in case of incident or flood. Health, life, and auto insurance packages are available as well.

  • Condos
  • Personal Property Insurance

8084 Old Auburn Road, Citrus Heights, CA 95610 Rating

Review Sources

4.9 (34)
5.0 (15)
4.5 (6)

Why choose this provider?

Greg Polley, State Farm Insurance Agent, provides homeowners insurance options to clients and helps them to shop for plans that fit their needs. Its plans allow clients to insure the cost of their properties so that they can be rebuilt or remunerated for if they're destroyed. Clients can also insure their possessions should their property be stolen or damaged by weather or vandalism. Greg Polley, State Farm Insurance Agent, also offers auto insurance.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Woodcreek Ins. Services
198 Cirby Way, Roseville, CA 95678
7649 Sunrise Boulevard, Citrus Heights, CA 95610
R K Jacobs Insurance Services, Inc.
5006 Sunrise Blvd, Ste 202, Fair Oaks, CA 95628
SaveMost Insurance Services LLC
4150 Manzanita Avenue, Carmichael, CA 95608
Beach & O’Neill Insurance Associates
7520 Greenback Lane, Citrus Heights, CA 95610
Citrus Heights, CA
Greg Polley - State Farm Insurance Agent
8084 Old Auburn Road, Citrus Heights, CA 95610


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What are the standard coverages provided by typical homeowners' insurance policies in Citrus Heights?

    Citrus Heights residents can expect to have property coverage, which pays for repairs to homes, garages, or other buildings that are damaged. In addition, personal property coverage protects policyholders’ belongings, such as furniture and high-value items like jewelry and artwork. Medical coverage pays for expenses if someone is injured on the residential property, regardless of who is at fault.

  • Do residents of Citrus Heights have coverage for flood concerns under their home insurance?

    No. Most homeowners' insurance plans in Citrus Heights do not provide protection for flood-related damages. However, residents living in areas that are part of the National Flood Insurance Program can acquire flood insurance through agents who are part of the NFIP-Direct initiative. This initiative is overseen by the Federal Emergency Management Agency. Typically, it takes about 30 days from the purchase date for a flood insurance policy to become active.

  • Does the standard homeowners' insurance policy, HO-1, cover all personal belongings in Citrus Heights homes?

    The standard homeowners' insurance policy, HO-1, often covers personal belongings within the home, but not always. HO-1 is a very basic and limited form of coverage, and it typically provides protection for a limited set of perils, such as fire and lightning. Citrus Heights homeowners would typically need a more comprehensive policy, such as the HO-3 policy, which provides coverage for a broader range of perils.

  • Are the common types of coverage found on a standard homeowners’ insurance policy in Citrus Heights?

    Common types of coverage found on a standard homeowners' insurance policy in Citrus Heights include coverage for stolen or damaged personal possessions such as furniture and electronic devices. A standard homeowners' insurance policy also includes protection for extra living costs in the event that a residence becomes uninhabitable due to necessary repairs. Furthermore, the policy offers liability protection against legal actions initiated by third parties.

  • Should Citrus Heights homeowners insure their homes for at least 100% of the estimated replacement cost?

    Yes, because it is impossible to predict the exact cost of replacing a Citrus Heights home in the future. Ensuring adequate coverage to accommodate unexpected events also holds significance. Thus, homeowners are advised to secure coverage amounting to, at minimum, the anticipated cost of replacing their residential property.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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