What we see here
Flood damage to your home and property, and sudden, severe flood-driven erosion, are not covered by homeowners insurance. That’s why we proactively present flood insurance options for every home near the American River.
Serving Fair Oaks, CA
Fair Oaks Insurance Agency
Independent. Local. Four Miles Away.
Fair Oaks homes — mature oaks, older ranch houses, lots near the American River bluffs — are exactly the ones carriers have gotten picky about. Our Citrus Heights office, about four miles from the Village, compares 20+ top-rated carriers for home, auto, renters and business insurance.
Your Local Office
Your Fair Oaks-Area 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
Fair Oaks & Neighboring Communities
Fair Oaks VillageHistoric core, older homes and small businesses
American River bluffsView lots above the river and parkway
Sunrise corridorEstablished subdivisions, newer infill
Madison Ave areaMid-century ranch homes, larger lots
CarmichaelNeighboring community to the west OrangevaleLarger lots and horse properties Citrus HeightsHome of our office on Auburn Blvd FolsomAcross Lake Natoma to the east The Local Picture
What Fair Oaks Homeowners Should Know
Wildfire exposure near the river and open space
Homes along the American River bluffs and next to open space carry more wildfire exposure than typical suburban lots, and premiums reflect it. Defensible space and a Class A roof help keep standard carriers available.
Mature trees and the roofline
Fair Oaks is known for its oak canopy, and carriers now check aerial imagery for branches over roofs. Trimming limbs back before renewal can head off an inspection or a non-renewal.
Older ranch homes
Many homes date from the 1950s through the 1970s. Electrical panels, galvanized plumbing and roof age decide which carriers will quote. Insuring an older home →
Pools and larger lots
Pools and big yards mean more liability exposure. Carry at least $300,000 of personal liability, and consider an umbrella policy for $1 million or more on top.
Already non-renewed? See wildfire insurance and non-renewal help or compare the FAIR Plan vs. private coverage.
From Our Office
What We See in Fair Oaks
From our experience
We love the charm of old Fair Oaks, and we’ve helped a few of our neighbors insure their flower shops, hair salons and coffee shops in the Village!
What locals ask us
One of our Fair Oaks locals needed some help with their policy and asked if we could make a house call. We’re just up the road, so of course we did!
Notes from the agents at our Citrus Heights Office. Questions about your own situation? Call (916) 576-4000.
What We Cover
Complete Insurance for Fair Oaks
Home Insurance
Older ranch homes, bluff-top lots and newer infill all price differently. We compare carriers for your address, including homes other agents have turned away.
Auto Insurance
Liability well above California's 30/60/15 minimum, uninsured motorist coverage, and the carrier that prices your household best.
Umbrella Insurance
Extra liability above your home and auto policies — especially worthwhile with a pool, teen drivers or significant savings.
Renters Insurance
Coverage for your belongings, liability and temporary housing if you rent in Fair Oaks — typically from about $15 a month.
Business Insurance
General liability, BOP, workers' comp and commercial auto for Village shops, contractors and home-based businesses.
Classic Car Insurance
Agreed-value coverage for collector and classic cars, priced for how little they're actually driven.
Why Stonecrest
An Independent Agency Next Door to Fair Oaks
More than one market for harder-to-place homes.
When a standard carrier says no, we can go to other admitted carriers, surplus lines or the FAIR Plan with a difference-in-conditions policy.
We re-shop at renewal.
Carrier appetite in the Sacramento foothills changes year to year. We compare again before you renew instead of letting a big increase roll through.
Bundle home and auto.
Multi-policy discounts typically save around 15%. We find the carrier where the bundle actually works for your home.
Serving Fair Oaks Since 1999
Our office on Auburn Blvd. in Citrus Heights is about four miles north of Fair Oaks Village, and we've insured Fair Oaks families since the agency opened in 1999.
Visit by appointment, or handle quotes, policy changes and claims help by phone and email.
(916) 576-4000Common Questions
Fair Oaks Insurance — Frequently Asked Questions
How much is home insurance in Fair Oaks?
Fair Oaks sits in what carriers treat as a moderate wildfire-risk area, and as of 2026 many Fair Oaks homes run about $2,500–$5,000 a year — above the Sacramento County average of roughly $1,600–$2,800. Homes farther from the American River bluffs and open space often price lower. Roof age, home age and claims history matter too, and the same home can quote very differently between carriers.
Will the big trees on my Fair Oaks lot affect my home insurance?
They can. Many carriers now review aerial imagery at new business and renewal, and branches overhanging the roof or heavy vegetation against the house can lead to an inspection, a required trim or a non-renewal. If a tree falls on your home in a storm, the damage is generally covered. Keeping limbs trimmed back from the roof is the simplest way to keep more carriers available.
My Fair Oaks home was non-renewed. What are my options?
Start right away — California insurers must give you at least 75 days' notice before non-renewing. We check admitted carriers first, then surplus lines carriers, and if needed the California FAIR Plan paired with a difference-in-conditions policy. Defensible space and roof updates can widen your options. Call (916) 576-4000 and have your non-renewal letter handy.
Is there a Stonecrest office near Fair Oaks?
Yes. Our Citrus Heights office at 8350 Auburn Blvd., Suite 145 is about four miles north of Fair Oaks Village. Licensed agent Kevin Messall leads the office. Call (916) 576-4000, or visit by appointment Monday through Friday.
From Our Blog
Guides for Fair Oaks Homeowners
- 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.
- Home Insurance
Wildfire Defensible Space and Your Home Insurance in California
California carriers now check defensible space before renewing home insurance. What Zone 0, 1, and 2 mean and how to document improvements.
- 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.
- Umbrella Insurance
Do I Need Umbrella Insurance? A California Guide
Umbrella insurance adds $1 million or more in liability coverage above your home and auto policies. Who needs it and what it costs in California.
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