Stonecrest Insurance Services is a licensed independent agency serving Lincoln, Sun City, and all of Placer County. We compare 20+ top-rated carriers to find the best rates on auto, home, renters, and business insurance — with no obligation and no pressure.
Sun City Lincoln Hills is one of California's premier active adult communities — and its residents often qualify for insurance discounts that aren't widely advertised. As independent agents, we know exactly which carriers offer the best rates for retired and semi-retired drivers, homeowners with newer construction, and low-mileage vehicles.
Retired drivers often drive fewer miles and during off-peak hours — two factors that can significantly reduce your auto premium. We find carriers that reward your low-mileage, safe-driver profile.
Sun City's newer construction — concrete tile roofs, updated electrical, modern plumbing — is rated favorably by most carriers. We shop the market to make sure your home gets credit for that.
Retirees with savings, home equity, and assets to protect are ideal candidates for umbrella coverage. A $1M umbrella typically costs $200–$350/year — one of the best values in personal insurance.
We talk to a lot of people in Lincoln’s active senior scene, and they overwhelmingly want to know what to do about insurance for their golf cart or neighborhood electric vehicle (NEV). We always look for ways to package these with the policies you already have, but if a new policy is necessary, we have it.
A Lincoln local and their golf cart got a little too close to a parked car, and they called us, frantic about what to do. Their cart was part of their home insurance package, so the claim was quick and easy, and they didn’t even miss their tee time!
Notes from the agents at our Citrus Heights Office. Questions about your own situation? Call (916) 576-4000.
Compare auto rates for Lincoln and northern Placer County. We serve low-mileage retirees, commuters to Sacramento, and families with multiple vehicles.
Homeowners coverage for Lincoln's wide range of properties — from Sun City's newer single-story homes to master-planned neighborhoods and rural Placer County acreage.
Affordable renters coverage for Lincoln apartment residents and those in 55+ communities. Starting from $15/month.
Extra liability protection above your auto and home — especially valuable for retirees with home equity and savings to protect.
GL, commercial auto, and BOP for Lincoln area small businesses, contractors, and professionals.
Contractor, notary, and license bonds for licensed professionals working in Lincoln and Placer County.
Lincoln drivers typically pay $1,400–$2,000 per year for full coverage auto insurance. Lincoln's suburban character and lower population density compared to Sacramento or Roseville often result in favorable rates. Stonecrest compares 20+ carriers to find the best rate for your Lincoln ZIP and profile.
Lincoln's core neighborhoods are lower risk than the Sierra foothills. Most homes qualify for standard homeowners policies at competitive rates. Properties on Lincoln's eastern edge near the foothill transition zone may see some carrier tightening — Stonecrest can compare both standard and surplus lines options for those addresses.
Yes. Sun City Lincoln Hills is one of the largest active adult communities in California, and we regularly help Sun City residents find the best rates on auto, home, and umbrella insurance. Retired and low-mileage drivers often qualify for discounts that can significantly lower their premiums.
Yes, and it typically saves 10–20% on both policies. As an independent agency, we compare bundled rates across 20+ carriers to find where bundling saves you the most — which varies by carrier and isn't always the most obvious choice.
Sun City Lincoln Hills has unique insurance characteristics — newer construction, lower mileage drivers, specific HOA coverage requirements. We know what carriers reward for this profile.
Lincoln is one of the fastest-growing cities in Placer County, but the insurance market here is less saturated than Roseville or Sacramento. That works in your favor when shopping independently.
Auto, home, umbrella, and business — all in one place. We simplify your insurance and find every discount you qualify for across all 20+ carriers we represent.
Lincoln is one of California's fastest-growing cities — anchored by Sun City Lincoln Hills and Twelve Bridges, and attracting young families and retirees alike with its master-planned communities, open space, and proximity to Sacramento.
Our Citrus Heights office puts us right in the Placer County market. We've served northern Placer County clients for over 25 years as an independent agency — no single-carrier limitations, just honest shopping on your behalf.
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