From our experience
We reviewed a client’s renewal and found them more coverage, lower deductibles and a lower premium. They never had to leave the house: we went over the application with them, and they signed on their phone in just minutes.
Our Office · Citrus Heights, CA
Citrus Heights Insurance Agency
Independent. Local. People Focused.
Stonecrest Insurance Services is a family-owned agency serving all of California, centrally located in Citrus Heights at Interstate 80 and Auburn Boulevard. Led by Kevin Messall, our team shops price and coverage at over 20 top-rated carriers and can meet all of your personal and business insurance needs.
Your Local Office
Meet Your Citrus Heights Agent
Kevin Messall
Licensed Agent — Sacramento Office Lead
Licensed since 2001 · With Stonecrest since 2006
Kevin leads our Citrus Heights office. He is who people come to when a single-carrier agent says no — wildfire-exposed homes, high-value properties, and the placements that take real market knowledge.
Greater Sacramento
Citrus Heights Office
8350 Auburn Blvd., Suite 145Citrus Heights, CA 95610
- Phone
- (916) 576-4000
- Hours
- Mon–Fri, 8:00 am – 5:00 pm · Sat by appointment
- Visits
- In person by appointment
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Communities We Serve
From Citrus Heights to the Rest of the Sacramento Region
Citrus HeightsSunrise Blvd, Greenback Lane, Auburn Blvd and Antelope Road neighborhoods
Fair OaksVillage, bluff and American River neighborhoodsOrangevaleLarger lots, horse properties and older ranch homesCarmichaelEstablished homes, many on mature, tree-lined lotsRosevilleNewer planned communities just across the Placer lineRancho CordovaCommuter neighborhoods along Highway 50FolsomFoothill-edge homes where wildfire underwriting mattersSacramento CountyEverywhere else in the county, from Elk Grove to Rio Linda From Our Office
What We See in Citrus Heights
Notes from the agents at our Citrus Heights Office. Questions about your own situation? Call (916) 576-4000.
What We Cover
Complete Insurance for Citrus Heights
Auto Insurance
Whether you commute on I-80, Sunrise Blvd, or Greenback Lane, we compare carriers so your rate reflects your driving — not one company's pricing.
Home Insurance
Much of Citrus Heights was built from the 1960s through the 1980s. We match older roofs, plumbing, and electrical to carriers that will insure them fairly.
Renters Insurance
Affordable coverage for your belongings and liability in Citrus Heights apartments, duplexes, and rental homes — easy to bundle with auto.
Umbrella Insurance
An extra layer of liability protection above your home and auto policies, for families who want more than standard limits.
Business Insurance
General liability, BOP, commercial auto, and workers' comp for the shops, contractors, and service businesses along Citrus Heights' commercial corridors.
Non-Renewal & FAIR Plan Help
Dropped by your carrier? We shop admitted carriers first and, if needed, set up the FAIR Plan with a DIC policy to close the gaps.
Why Stonecrest
Citrus Heights' Independent Insurance Agency
We work for you, not an insurance company.
A captive agent can only sell one company's policies. We compare 20+ carriers and recommend the one that fits your home, cars, and budget.
A real office you can walk into.
Our office is at 8350 Auburn Blvd., Suite 145. Stop by and meet a licensed agent in person, or take care of everything by phone and email and sign right from your phone.
One call covers everything.
Auto, home, umbrella, and business policies in one place — bundled where it saves you money, and reviewed at renewal so they keep fitting.
Local to Citrus Heights
Citrus Heights is a mostly residential city in northeast Sacramento County, incorporated in 1997, with neighborhoods that run along Sunrise Blvd, Greenback Lane, Auburn Blvd, and Antelope Road. Because most of the city sits on the valley floor, homes here generally face less wildfire exposure than the foothills to the east — but California's carrier pullback has still raised prices and tightened underwriting.
That's where an independent agency helps. We know which carriers are writing in Citrus Heights right now, and which ones will look past an older roof or a past claim.
(916) 576-4000Common Questions
Citrus Heights Insurance — Frequently Asked Questions
Where is your Citrus Heights office?
Our office is at 8350 Auburn Blvd., Suite 145, Citrus Heights, CA 95610. We’re open Monday through Friday, 8:00 am to 5:00 pm, with Saturday appointments available. Call (916) 576-4000 to set up an in-person meeting, or handle everything by phone and email if that’s easier.
Do you only insure people who live in Citrus Heights?
No. Citrus Heights is home base, but we insure families and businesses across the Sacramento region — Sacramento, Placer, El Dorado, and Yolo counties — and the Central Valley through our Fresno office.
My home insurance was non-renewed. Can you help?
Yes. Most Citrus Heights homes sit on the valley floor, so they generally have more carrier options than homes in the foothills. We shop 20+ carriers to find a standard policy first. If the FAIR Plan is the only option, we’ll pair it with a difference-in-conditions (DIC) policy so you aren’t left with gaps in coverage.
Does it cost more to use an independent agent?
There’s no charge for our quotes or advice. Like most agencies, we’re paid by the insurance company you choose — and because we compare many carriers instead of one, we can usually find you a better combination of price and coverage.
From Our Blog
Sacramento-Area Insurance Guides
- Home Insurance
How Much Is Home Insurance in Sacramento?
What Sacramento homeowners pay for insurance, why premiums have risen, and how to get the best rate without leaving yourself underinsured.
- Auto Insurance
How Much Is Car Insurance in Sacramento?
What Sacramento drivers actually pay for auto insurance, the factors that drive your premium, and how to lower your bill without cutting coverage.
- Home Insurance
Home Insurance for Older Homes in Sacramento: What to Expect
Older Sacramento homes face underwriting challenges — outdated electrical, galvanized plumbing, aging roofs. How to get covered without overpaying.
- Insurance Basics
Local Insurance Agent vs. Online: What You Actually Get
Buying insurance online or through a 1-800 number is fast — but it's not the same as working with a local agent who knows your market. Here's what the difference looks like when it matters.
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