Orangevale Insurance Agency
For Big Lots, Barns and Everything In Between.

Orangevale is one of the Sacramento County communities carriers treat as moderate wildfire risk, and as of 2026 many Orangevale homes run about $2,500–$5,000 a year. Larger lots with outbuildings, homes next to open space and older roofs tend to price at the higher end. Because carriers rate these factors very differently, comparing several of them matters more here than in most of the county.

Usually only partly, and it varies by carrier. Horses are generally not covered as property under a homeowners policy, and liability for injuries your horse causes may be limited or excluded unless you add equine liability coverage. If you board horses for others, give lessons or charge for any horse activity, that is a business and needs its own commercial or farm policy.

Detached structures fall under your policy's other structures coverage, which is typically set at 10% of your dwelling limit. On an Orangevale lot with a barn, a large shop or a guest house, that is often not enough. We can raise the limit or schedule the larger buildings so a loss to one of them is fully covered.

Yes. Our Citrus Heights office at 8350 Auburn Blvd., Suite 145 is about four miles west of central Orangevale. Licensed agent Kevin Messall leads the office. Call (916) 576-4000, or visit by appointment Monday through Friday.