El Dorado County homeowners face one of California's most challenging insurance markets. As an independent agency with access to 20+ carriers including surplus lines, Stonecrest finds coverage when others can't.
The insurance market in El Dorado County’s population centers, like Placerville, El Dorado Hills and Cameron Park, has always been a challenge for homeowners and drivers alike. Snow loads and fire danger add up to a wide range of perils here.
After the 2021 Caldor Fire, we saw a significant number of non-renewals in El Dorado County, and many people were forced onto the California FAIR Plan because no other carrier would take them.
Our El Dorado County customers are mostly concerned with whether coverage is available at all, and whether their carrier will be able to pay claims if a disaster happens.
Notes from the agents at our Citrus Heights Office. Questions about your own situation? Call (916) 576-4000.
Compare rates from 20+ carriers across all El Dorado County communities.
Standard and non-standard coverage for El Dorado County properties — including foothill and mountain homes in the wildfire interface zone.
Affordable renters insurance for El Dorado County residents. Quick, easy, affordable.
Extra liability protection above your auto and home — essential for El Dorado Hills and Tahoe area property owners.
GL, commercial auto, and BOP for El Dorado County small businesses, contractors, and hospitality operators.
Contractor, notary, and license bonds for El Dorado County professionals.
Many standard carriers have restricted or paused writing in foothill and mountain areas. We know which carriers are still accepting new policies — and we can access surplus lines markets when needed.
If your property can't get standard coverage, we help you understand the California FAIR Plan and can pair it with a Difference in Conditions policy for more complete protection.
Whether you're in El Dorado Hills or South Lake Tahoe, we serve all of El Dorado County from our Citrus Heights office.
El Dorado County spans one of the most geographically diverse insurance markets in California — from the Sacramento Valley foothills in El Dorado Hills and Cameron Park all the way to the shores of Lake Tahoe. This range creates dramatically different insurance needs and carrier appetites across the county.
Lower-elevation communities like El Dorado Hills and Cameron Park have seen significant home insurance non-renewals as major carriers reassess wildfire exposure. Higher-elevation communities face additional challenges. As an independent agency, we have access to a broader range of carriers — admitted and non-admitted — than captive agents can offer. We advocate for El Dorado County clients to find the best available solution for every situation.
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