Homeowners Insurance &
Personal Insurance:

Providing Personal and Homeowners Insurance to residences of El Dorado County and Sacramento County

Homeowners insurance provides financial protection against disasters.

Homeowners insurance is a package policy covering home, contents and liability, including both on and off premises personal activities. This means you homeowners insurance policy covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This also includes damage caused by household pets.

Damage caused by most disasters is covered under your homeowners insurance polivy but there are often exceptions. The most significant damage is caused by floods and poor maintenance. You must buy a separate Flood Insurance policy for flood damage coverage. Earthquake insurance policies are available as an option on your Homeowner's insurance policy. Maintenance-related problems are the homeowners' responsibility and not normally covered. Contact us to talk about your specific situation.

Renter's Insurance:

Renters insurance covers your possessions against losses as well as injuries to others through liability on premises or off premises personal activities.

Other types of insurances we offer include: