Stonecrest Insurance Services is a licensed independent agency serving Folsom, El Dorado Hills, and eastern Sacramento County. We compare 20+ top-rated carriers to find the best rates on auto, home, renters, and business insurance — from Empire Ranch to the foothill communities bordering El Dorado County.
A Folsom client called to add a new boat to their watercraft policy and was surprised when we mentioned it would also change their umbrella policy. We updated both at the same time. They’d thought their next call would be to the umbrella insurance department!
Notes from the agents at our Citrus Heights Office. Questions about your own situation? Call (916) 576-4000.
Folsom drivers navigate a mix of suburban streets, Highway 50 commutes, and foothill roads. We compare 20+ carriers to find the best rate for your specific vehicle, driving record, and Folsom ZIP code — rates vary more than most people realize between carriers.
From newer Empire Ranch construction to older established Folsom neighborhoods to foothill-adjacent properties near El Dorado Hills, each area requires a different carrier approach. We also handle non-renewals and wildfire-exposed properties in eastern Folsom ZIPs.
Folsom has a strong rental market — apartments near the historic district, townhomes in Broadstone, and newer units throughout the city. Renters coverage protects your belongings and personal liability starting from around $15–$20/month.
Folsom homeowners with higher-value properties, pools, or significant assets are prime candidates for umbrella coverage. A $1M umbrella policy typically costs under $200/year and protects everything above your auto and home liability limits.
Folsom has a growing small business community — contractors, tech workers, retail, and service businesses. We provide GL, commercial auto, BOP, and workers' comp coverage tailored to your business type and payroll.
Contractor license bonds, notary bonds, and court bonds for licensed professionals in Folsom and Sacramento County. We process most bonds same-day or next business day.
Empire Ranch newer builds, older established neighborhoods, and wildfire-adjacent foothill properties all have different carrier preferences and pricing. We know which carriers price each area competitively and place your coverage accordingly.
Parts of eastern Folsom and nearby El Dorado Hills sit in High or Very High FHSZ zones. We have access to admitted carriers, surplus lines, and FAIR Plan alternatives for properties the standard market has tightened on or non-renewed.
Most Folsom clients bundle auto and home for a 10–20% multi-policy discount. As an independent agency we find the bundle that saves the most across all 20+ carriers we represent — not just one company's products.
Folsom is one of the most desirable communities in the Sacramento region — a well-planned city of about 80,000 residents with top-rated schools, a vibrant historic district, Folsom Lake recreation, and a mix of housing types that attracts families, professionals, and retirees alike.
Our Citrus Heights office is approximately 20 minutes from Folsom via Highway 50. We've served the eastern Sacramento County corridor — Folsom, Rancho Cordova, El Dorado Hills, and the foothill communities — for over 25 years. We shop the market on your behalf, not a single carrier's book of products.
(916) 576-4000Folsom home insurance typically runs $1,200–$2,200 per year depending on the neighborhood, home age, and wildfire exposure. Newer master-planned communities like Empire Ranch generally price differently than foothill-adjacent areas near El Dorado Hills. As an independent agency we compare 20+ carriers to find who prices your specific Folsom address most competitively.
Parts of eastern Folsom and areas bordering El Dorado Hills carry elevated wildfire exposure and are designated High or Very High Fire Hazard Severity Zones (FHSZ). Some carriers have restricted writing in these ZIP codes. Stonecrest has access to surplus lines carriers and alternatives for properties that standard market carriers have declined or non-renewed.
Folsom drivers typically pay $1,400–$2,000 per year for full coverage, depending on driving record, vehicle, and commute. Folsom rates tend to be slightly lower than central Sacramento due to lower accident density, but rates have risen across California in 2025–2026. An independent agent can compare your options across 20+ carriers simultaneously.
Yes. Our Citrus Heights office at 8350 Auburn Blvd., Suite 145 is approximately 20 minutes from Folsom via Highway 50. We serve all of eastern Sacramento County including Folsom, El Dorado Hills, Orangevale, and Rancho Cordova. Call us at (916) 576-4000 or get a free quote online.
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