B. Uppal Insurance Agency
7816 Uplands Way, Suite B, Citrus Heights, CA 95610
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Citrus Heights households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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7816 Uplands Way, Suite B, Citrus Heights, CA 95610
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7405 Greenback Ln, Ste 245, Citrus Heights, CA 95610
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8421 Auburn Blvd, Suite 225, Citrus Heights, CA 95610
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7649 Sunrise Blvd, Ste F, Citrus Heights, CA 95610
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7816 Uplands Way, Ste C, Citrus Heights, CA 95610
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Learn about insurance coverage options specific to Citrus Heights residents.
Citrus Heights homeowners pay $1,200-$2,400/year for home insurance. Learn about fire risk, earthquake coverage, and how to find affordable rates in 2025.
Car InsuranceCitrus Heights auto insurance guide: California's new 30/60/15 minimums, average rates of $169/month, at-fault system explained, and I-80 commuter tips.
Most Citrus Heights homeowners pay between $1,200 and $2,400 annually for home insurance, depending on coverage limits, deductibles, and home characteristics. This is below California's state average of around $1,965 per year, primarily because Citrus Heights isn't in a high wildfire or coastal flood zone.
No, standard homeowners insurance in California excludes earthquake damage except for fires caused by earthquakes. You need a separate earthquake policy, typically purchased through the California Earthquake Authority (CEA) via your current insurer. Only about 10% of California homeowners carry earthquake coverage, but it's worth considering given the state's seismic risks.
Citrus Heights is not classified as a high or very high fire hazard severity zone by CAL FIRE, which is good news for insurance availability and costs. However, insurers use their own wildfire risk models, and the broader California insurance market challenges still affect the city. Sacramento County has seen FAIR Plan enrollments more than double in recent years as major carriers limit new policies statewide.
The California FAIR Plan is the state's insurer of last resort, providing basic fire coverage to homeowners who can't obtain insurance from traditional carriers. It's more expensive than standard policies and offers limited coverage—you'll need separate policies for liability and personal property. The FAIR Plan should only be used if you've exhausted other options including the surplus lines market.
Yes, upgrading electrical systems, plumbing, or roofs in older Citrus Heights homes can significantly reduce premiums and may be required to obtain coverage at all. Many insurers now scrutinize property conditions closely and require costly upgrades before issuing policies. Ask your agent how specific improvements would affect your rate—sometimes these upgrades pay for themselves within a few years through premium savings.
Absolutely. Bundling home and auto insurance with the same carrier typically saves 15-25% on your premiums. Many insurers also offer additional discounts for security systems, fire alarms, or smart home devices. When shopping for coverage, always ask about multi-policy discounts and available savings programs.
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