Stonecrest Insurance Services is a family-run independent agency that has served Sacramento and the surrounding county since 1999. From our Citrus Heights office, we shop 20+ top-rated carriers for auto, home, renters and business insurance — from Midtown and Natomas to Elk Grove and the eastern foothills.
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.
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Much of Natomas is a levee-protected floodplain, and homes near the Sacramento and American Rivers carry flood exposure that no homeowners policy covers. If your lender requires flood insurance — or even if it doesn't — price a flood policy.
Land Park, Curtis Park, East Sacramento and Midtown are full of homes from the 1940s through the 1970s. Electrical panels, plumbing and roof age decide which carriers will write them. Insuring an older Sacramento home →
Orangevale, Fair Oaks, Folsom and the Rancho Cordova foothills sit closer to wildland vegetation, and premiums there often run well above the county average. We place homes with standard carriers, surplus lines or the FAIR Plan. Wildfire and non-renewal help →
Higher-density ZIP codes like 95823 and 95828 usually rate higher than suburban Elk Grove or Citrus Heights, and long commutes on I-80, Highway 50 and I-5 add mileage. Each carrier weighs these differently. What Sacramento drivers pay →
Stonecrest has been in Sacramento for decades, and we have happy customers in most neighborhoods around town. Our customers have had their greatest successes with us in Carmichael, Fair Oaks, Arden Park and Arden Arcade, and Elk Grove’s burgeoning communities!
We get a lot of questions about the levees around Natomas and the Pocket, and the recent work done to them. Significant work has been done to shore up the levees, but the flood risk in these areas is still very real. If you buy a home there with a federally backed mortgage, you must carry flood insurance. If your loan isn’t federally backed, or your home is paid off, flood insurance isn’t required, but it is advised. Either way, we have it!
Our Sacramento customers mostly ask us about discounts and other ways to lower their car insurance costs, and we’re happy to research and answer those questions. Service after the sale is a core principle at Stonecrest.
Notes from the agents at our Citrus Heights Office. Questions about your own situation? Call (916) 576-4000.
Compare rates from 20+ carriers across every ZIP code in Sacramento County.
Homeowners coverage for properties throughout Sacramento County — from urban Natomas to foothill Orangevale.
Affordable renters coverage for Sacramento County's large renter population. From $15/month.
Extra liability protection above your auto and home policies. One of the best values in personal insurance.
GL, commercial auto, and BOP coverage for Sacramento County small businesses and contractors.
Contractor, notary, and license bonds for licensed professionals in Sacramento County.
Rates vary dramatically by ZIP code across Sacramento County. We compare 20+ carriers to find the best fit for your specific address and situation.
Our Citrus Heights office puts us at the heart of Sacramento County. We know the neighborhoods, the housing stock, and the insurance market conditions.
We handle quotes, paperwork, transitions, and claims support — so you can focus on your life, not your insurance.
Sacramento County is one of California's most diverse counties — encompassing the state capital, established suburbs like Citrus Heights and Carmichael, fast-growing communities like Elk Grove, and foothill neighborhoods in Orangevale and Fair Oaks. Insurance rates, coverage needs, and carrier availability vary significantly across the county.
As a family-run independent agency based in Citrus Heights, Stonecrest knows this market inside and out. We've been helping Sacramento County families and businesses find better insurance since 1999.
(916) 576-4000Yes. Our Citrus Heights office at 8350 Auburn Blvd., Suite 145 is about 15 miles northeast of downtown Sacramento and serves all of Sacramento County. It is led by licensed agent Kevin Messall. Call (916) 576-4000, or visit by appointment Monday through Friday.
As of 2026, a typical Sacramento County single-family home with $400,000–$600,000 of rebuild cost runs about $1,600–$2,800 a year. Homes in moderate wildfire-risk areas such as Orangevale, Fair Oaks and the Rancho Cordova foothills often run $2,500–$5,000 or more. Home age, roof condition, claims history and the carrier all move the price, and the same home can quote $500–$1,500 apart between carriers.
Sacramento drivers typically pay about $1,800–$2,400 a year for full coverage, and roughly $700–$1,000 a year for California's 30/60/15 minimum liability. Higher-density ZIP codes such as 95823 and 95828 usually rate higher than Elk Grove or Citrus Heights. Your driving record and vehicle matter more than anything else, which is why we compare 20+ carriers.
Much of Natomas sits in a levee-protected floodplain, and many homes there are in FEMA-mapped flood zones where a federally backed mortgage requires flood insurance. Even where it is not required, standard homeowners policies exclude flood entirely. A flood policy is usually inexpensive outside high-risk zones, so it is worth pricing for any home near the Sacramento or American Rivers.
What Sacramento homeowners pay for insurance, why premiums have risen, and how to get the best rate without leaving yourself underinsured.
What Sacramento drivers actually pay for auto insurance, the factors that drive your premium, and how to lower your bill without cutting coverage.
Older Sacramento homes face underwriting challenges — outdated electrical, galvanized plumbing, aging roofs. How to get covered without overpaying.
Buying insurance online or through a 1-800 number is fast — but it's not the same as working with a local agent who knows your market. Here's what the difference looks like when it matters.
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