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2024

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Best Homeowners Insurance Agencies in Sacramento, CA

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Sacramento 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.

280Reviewed

175Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

910 Florin Road, Sacramento, CA 95831
WebsiteLicense: 0E67731

Expertise.com Rating

Review Sources

Google
4.8 (68)
Yelp
5.0 (9)

Why choose this provider?

Leland Insurance Agency, Inc., is a Sacramento-based insurance company that offers a wide range of personal and commercial insurance plans, including homeowners' insurance. Its insurance agents assist clients in comparing coverage options and selecting the right policy based on their needs. Some of the common coverages they offer include dwelling, other structures, personal property, medical expense, loss of use, and family or personal liability. The company also provides renters insurance. It serves clients throughout California, Oregon, and Arizona.

  • Renter's Insurance
  • Multiple Carriers
  • Homeowners

2241 Douglas Blvd Ste 200, Roseville, CA 95661

Expertise.com Rating

Review Sources

Yelp
4.5 (12)
Facebook
5.0 (1)

Why choose this provider?

Pacific Unity Insurance Solutions Inc. is a locally owned and operated insurance agency serving the Sacramento, California, metro area. It offers home insurance policies to protect owners from financial loss in cases of destruction by natural disaster, liability for damage to third-parties on the property, and special circumstances including trampoline or swimming pool injuries. This agency also provides renter's insurance and offers umbrella policies which combine auto and home insurance at lower rates.

  • Personal Property Insurance
  • Homeowners
  • Multiple Policy Types

8126 Sheldon Rd Ste 130, Elk Grove, CA 95758

Expertise.com Rating

Review Sources

Facebook
4.9 (778)
Google
4.6 (281)
Yelp
3.5 (31)

Why choose this provider?

Established in 2013, DRIVEN Insurance Services is located in Elk Grove, California. Home insurance is included in the independent agency's list of services within the Sacramento metro area. It represents a wide range of carriers, which provides the agency with flexible policies that can be tailored to fit each client. Home insurance coverage usually includes protection for the structure and associated buildings, like a garage. It can also include liability and personal belongings insurance to cover injury and theft.

  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance

925 Secret River Dr Ste G, Sacramento, CA 95831

Expertise.com Rating

Review Sources

Google
5.0 (68)
Facebook
4.9 (17)

Why choose this provider?

Greenhaven Insurance Agency is an insurance broker in Sacramento, California, that provides home insurance throughout the state. The company provides insurance products to homeowners that cover property damage or liability for injury for non-residents on the property. It sells additional products protecting homes against earthquakes and floods. Greenhaven also offers commercial insurance for the cannabis industry, including coverage for property, crops, general liability, and commercial vehicles, as well as employee benefits and workers' compensation.

  • Renter's Insurance
  • Flood
  • Multiple Carriers

1515 30th Street, Suite 200, Sacramento, CA 95816
WebsiteLicense: 0F13061

Expertise.com Rating

Review Sources

Google
4.9 (197)
Yelp
4.0 (17)
Facebook
4.6 (10)

Why choose this provider?

Peter Schiro is a State Farm insurance agent that serves residents and businesses in the Sacramento metro. Since 1987, he has been offering various home insurance options to individuals who are seeking a comprehensive policy covering personal belongings damaged by fire, flood, or theft. The agent also assists corporate owners in looking for quotes on commercial insurance policies. His team also helps clients understand their choices for auto, life, and supplemental health insurance. Peter’s office has qualified for the National Association of Insurance Award.

  • Multiple Policy Types

333 University Ave Suite 200, Sacramento, CA 95825​

Expertise.com Rating

Review Sources

Google
5.0 (44)
Facebook
5.0 (6)

Why choose this provider?

American River Insurance Agency offers homeowners' insurance policies to residents of Sacramento. It provides first-time clients and seasoned homeowners with quotes from different carriers. These carriers include regional and national companies like Foremost, Hagerty, and Travelers. For new clients, the agency explains different types of coverage options such as dwelling and personal property coverage. Its representatives can also customize plans with additional coverages for flood, theft, and medical liability. The agency is affiliated with the Sacramento SPCA, a pet adoption service.

  • Homeowners

4430 Duckhorn Dr, Sacramento, CA 95834
WebsiteLicense: 0I72684

Expertise.com Rating

Review Sources

Facebook
4.8 (29)
Google
4.4 (10)
Yelp
3.5 (3)

Why choose this provider?

CoreMark Insurance Services, Inc. serves individuals, employees, and business owners in Sacramento and nearby areas. It handles personal insurance claims for homeowners, property rentals, and automobiles. The company also provides coverage for assets such as boats, yachts, jewelry, and art pieces. Its policies for businesses include general liability, business property, workers' compensation, and commercial auto. In addition, CoreMark Insurance Services provides employee packages that include consultation for policies relating to workers' benefits, human resources, and payroll services.

  • Multiple Policy Types

1610 R Street Suite 300, Sacramento, CA 95811
WebsiteLicense: 0H81872

Expertise.com Rating

Review Sources

Google
4.4 (14)

Why choose this provider?

KSJT Insurance Services is an independent agency that serves Sacramento. Owner and agent Keith Jackson offers personal and commercial products, such as homeowners', renters', health, auto, and life insurance. The business encourages clients who own condos, townhouses, and mobile and manufactured homes to protect their properties by purchasing homeowners' insurance. This policy can provide liability protection from damages on the neighbors' homes caused by a tree on the client's property. The business represents numerous insurance companies, such as Admiral, Allstate, AIG, and American Coastal.

  • Fire
  • Homeowners

2951 West Capitol Ave, West Sacramento, CA 95691
WebsiteLicense: 0G93016

Expertise.com Rating

Review Sources

Google
4.7 (13)
Yelp
4.0 (4)

Why choose this provider?

Cal-West Insurance is an agency that has been serving individuals and homeowners in the Sacramento metro since 1998. It offers home insurance from a variety of trusted carriers to residential property owners seeking protection for their dwelling and personal possessions. Its policy also offers protection from any personal liability lawsuits arising from property damage and covers the cost of living in another place until the house becomes habitable. Cal-West Insurance also offers auto, life, and business insurance coverage.

  • Multiple Policy Types

5803 Stockton Blvd, Sacramento, CA 95824
WebsiteLicense: 0H23498

Expertise.com Rating

Review Sources

Yelp
4.5 (12)
Google
4.1 (9)
Facebook
3.7 (3)

Why choose this provider?

Amazing Insurance Services is an independent agency that caters to clients in Sacramento and the neighboring communities. It offers homeowners' insurance plans that cover the clients' residences and their personal properties. It also provides auto insurance solutions, including collision, comprehensive, and liability coverages, as well as medical payments for the drivers and passengers during accidents. Other insurance options are recreational vehicle, umbrella, boat, and renters' insurance. Clients may use the agency’s online quote comparison tool.

  • Renter's Insurance
  • Condos
  • Homeowners

2701 Cottage Way, Suite 6, Sacramento, CA 95825

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

CNK Insurance Service assists homeowners in choosing policies that best meet their needs. Its home insurance includes repair advantage and loss of use coverage. When recommending options, it considers factors such as a newer residence, owning burglar alarms, and having no previous claims. Products that cover autos, motorcycles, and recreational vehicles are also offered. Policyholders have access to its 24-hour claims hotline. CNK Insurance Service has been helping the Sacramento community protect their families, properties, and financial futures since 1966. It represents Mercury and Safeco.

  • Multiple Carriers

5346 Madison Ave, Suite B, Sacramento, CA 95841
WebsiteLicense: 0D51934

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (4)
Yelp
5.0 (2)

Why choose this provider?

Morelos Insurance Agency caters to individuals, families, and businesses in Sacramento and the surrounding communities. It offers homeowners' insurance policies, which help pay for additional living expenses after a disaster, damaged personal possession, liability to others, and repair or replacement costs. Also included in its line of products are classic car, health, life, long-term care, renters', and workers' compensation insurance plans. Morelos Insurance Agency represents several carriers, such as Chubb, Foremost Insurance Group, MetLife, Nationwide, Progressive, and Safeco Insurance.

  • Renter's Insurance

8035 Madison Ave Suite D3, Citrus Heights, CA 95610

Expertise.com Rating

Review Sources

Google
4.2 (13)

Why choose this provider?

Horizon Valley Insurance Services is an independent agency that serves the needs of individuals and companies in the Sacramento area and surrounding communities. It provides homeowner's insurance plans from a variety of carriers including Progressive, Safeco, and National General. Its insurance professionals guide clients in choosing from different home coverage options and assist in adding supplemental coverage such as personal umbrella, jewelry, and flood insurance. The agency also provides automotive and condo insurance and a variety of commercial insurance solutions.

  • Condos
  • Multiple Carriers
  • Multiple Policy Types

7558 Stockton Blvd., Sacramento, CA 95823
WebsiteLicense: 0562526

Expertise.com Rating

Review Sources

Google
4.2 (19)
Yelp
5.0 (1)

Why choose this provider?

Schmoekel Insurance Agency, Inc., is an independent firm that serves individuals and businesses in the Sacramento metro. It helps homeowners obtain insurance protection plans from various carriers, including Mercury, Kemper, and Safeco. Its insurance professionals create customized policies for different coverage needs, assist policyholders in updating their plans, and provide risk analysis and coverage review. Schmoekel Insurance Agency is a family-owned enterprise that has been serving the community for over 70 years.

  • Multiple Policy Types

1610 Fulton Ave Ste 2, Sacramento, CA 95825

Expertise.com Rating

Review Sources

Google
4.8 (61)
Facebook
4.9 (49)
Yelp
4.0 (9)

Why choose this provider?

Insurance on the Go Services Inc. is an independent, family-owned insurance agency that offers home insurance throughout the Sacramento, California, area. With over 30 years of experience, the agency creates a tailored home coverage plan based on factors such as location, roof and construction type, size and value of structure, presence of a swimming pool, and whether homeowners own a dog. Insurance on the Go also offers auto, business and commercial, and renters insurance policies.

  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance

7212 Florin Mall Drive, Sacramento, CA 95823
WebsiteLicense: 0I27763

Expertise.com Rating

Review Sources

Google
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Punjab Insurance Agency caters to the residents of the Sacramento community and the nearby areas. It helps individuals prepare for the unexpended financial burden of disasters and damage to their properties by offering homeowners' insurance policies. These policies provide coverage for reimbursing clients' lost belongings due to theft and vandalism. It also guides clients in applying for auto insurance plans involving liability, medical, and property coverage. The independent insurance agency uses its website to give clients the option to change their policies virtually.

  • Personal Property Insurance

9700 Business Park Drive, Suite 105, Sacramento, CA 95827
WebsiteLicense: 0C97528

Expertise.com Rating

Review Sources

Google
3.9 (19)
Facebook
5.0 (8)
Yelp
4.5 (7)

Why choose this provider?

Sierra Oak Insurance Services Inc. is a family-owned brokerage serving families, businesses, and individuals in Sacramento and nearby metros. Its team of advisors presents homeowners' coverage to customers who are looking to insure their homes and belongings from replacements and repairs resulting from unforeseen events like theft and storm and fire damage. They also offer other personal lines products, such as recreational vehicle, life, and renters' insurance. The full-service firm has been in the industry for more than two decades.

  • Renter's Insurance
  • Personal Property Insurance

1353 Fulton Ave, Sacramento, CA 95825
WebsiteLicense: 0I09503

Expertise.com Rating

Why choose this provider?

Thrive Insurance is an agency operating in Sacramento. It offers homeowners' insurance policies to help individuals and families protect their homes and personal properties. The coverage options also include liability protection and temporary housing in the event of a disaster. Its team of agents assists clients in choosing from a wide selection of coverages based on their needs and preferences. Thrive Insurance provides insurance products for mobile homes, general liability, and special events.

  • Multiple Policy Types
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Leland Insurance Agency
910 Florin Road, Sacramento, CA 95831
Pacific Unity Insurance Solutions Inc.
2241 Douglas Blvd Ste 200, Roseville, CA 95661
DRIVEN Insurance Services
8126 Sheldon Rd Ste 130, Elk Grove, CA 95758
Greenhaven Insurance Agency
925 Secret River Dr Ste G, Sacramento, CA 95831
Peter Schiro
1515 30th Street, Suite 200, Sacramento, CA 95816
American River Insurance Agency
333 University Ave Suite 200, Sacramento, CA 95825​
CoreMark Insurance Services, Inc
4430 Duckhorn Dr, Sacramento, CA 95834
KSJT Insurance Services
1610 R Street Suite 300, Sacramento, CA 95811
Cal-West Insurance
2951 West Capitol Ave, West Sacramento, CA 95691
Amazing Insurance Services
5803 Stockton Blvd, Sacramento, CA 95824
CNK Insurance Service
2701 Cottage Way, Suite 6, Sacramento, CA 95825
Morelos Insurance Agency
5346 Madison Ave, Suite B, Sacramento, CA 95841
Horizon Valley Insurance Services
8035 Madison Ave Suite D3, Citrus Heights, CA 95610
Schmoekel Insurance Agency, Inc.
7558 Stockton Blvd., Sacramento, CA 95823
Insurance on the Go Services, Inc
1610 Fulton Ave Ste 2, Sacramento, CA 95825
Punjab Insurance Agency
7212 Florin Mall Drive, Sacramento, CA 95823
Sierra Oak Insurance Services Inc.
9700 Business Park Drive, Suite 105, Sacramento, CA 95827
Thrive Insurance
1353 Fulton Ave, Sacramento, CA 95825

FAQs

  • 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.
  • Does Sacramento homeowners insurance provide coverage if a neighborhood child is bitten by one of your dogs?

    Yes. Your homeowners insurance's personal liability section will pay for damages if your dog bit a child in your neighborhood in Sacramento. The personal liability section coverage limits normally vary from $100,000 to $500,000. You must pay an additional premium to the insurance provider in order to increase your limit.

  • Which catastrophes in Sacramento are not protected by homeowner's insurance?

    Earthquakes, floods, sewer backups, and maintenance damage are the catastrophes that are not protected by homeowners insurance in Sacramento. If you are a first-time home buyer, you may learn about all the hazards that your homeowners insurance covers by reading the policy that your insurer provides. If you needed coverage for disasters not covered by homeowners insurance, you would need to obtain a corresponding policy from your provider.

  • Can remodeling your home lower the cost of your homeowners insurance in Sacramento?

    Yes. If the result of remodeling your home will increase the general security and safety of the property, then the monthly or annual premium of your homeowners insurance in Sacramento will decrease. other improvements, like putting a trampoline or a pool in your yard, will likely increase the price of your insurance premium, because these things are hazardous and you needed to add it on your insurance policy.

  • What paperwork should you have ready before looking for home insurance in Sacramento?

    The exterior details of your property, a current home appraisal document, an estimate of the age of your appliances, as well as your loan number and mortgage company information if applicable are some of the paperwork you should have on hand. Additionally, you should have your current homeowners insurance policy and any records of recent home insurance claims.

  • In Sacramento, are septic systems covered by homeowners insurance?

    Yes. Septic tanks are covered by the other structures coverage portion of a Sacramento homeowners insurance policy. Typically, the limit for other structures coverage is 10% of your dwelling limit. This coverage will pay for the cost of repairs or a complete replacement of your septic tank if the tank was damaged by a peril that is included in your insurance policy.

  • 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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