Hebard Insurance Solutions
3837 Taylor Rd, Loomis, CA 95650
View this agency's profile to learn more about their services.
Loading...
City directory
Loomis households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
3837 Taylor Rd, Loomis, CA 95650
View this agency's profile to learn more about their services.
6119 Horseshoe Bar Road, Loomis, CA 95650
View this agency's profile to learn more about their services.
6207 S Walnut St, Ste 100, Loomis, CA 95650
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Loomis residents.
Loomis homeowners face wildfire and earthquake risks. Learn about coverage requirements, FAIR Plan options, and 2026 rate increases in the Sierra foothills.
Complete insurance guide for Loomis residents. Learn about California's new auto minimums, wildfire protection, earthquake coverage, and navigating FAIR Plan.
Yes, standard California homeowners insurance policies do cover wildfire damage to your home and belongings. However, if you're in a high-risk area and traditional insurers won't cover you, you may need to use the California FAIR Plan, which provides basic fire coverage. Keep in mind that rates for wildfire-prone areas are increasing significantly, with proposed increases averaging 35% in 2026.
Earthquake insurance is not required by law, but it's highly recommended for Loomis homeowners. California is earthquake-prone, and standard homeowners policies don't cover earthquake damage at all. The average cost is about $1,770 annually for $500,000 in coverage, with deductibles typically ranging from 5% to 25%. Without it, you'd pay for all earthquake repairs out of pocket.
The California FAIR Plan is the state's insurance program of last resort for high-risk properties when traditional insurers won't provide coverage. It offers basic fire insurance but typically costs more and provides less comprehensive coverage than standard policies. You'd only need it if you can't get coverage from traditional insurers, which has become more common in foothill areas as major carriers have pulled back from high-risk zones.
Fire Hazard Severity Zones (FHSZs) are designated areas based on wildfire risk, ranging from Moderate to Very High. Loomis has Moderate and High zones but no Very High zones. Your zone classification affects your insurance rates, with high-risk areas facing larger rate increases. It also creates requirements for defensible space maintenance and must be disclosed when selling your property.
California home insurance averages between $1,335 and $1,674 annually for typical coverage, but costs vary significantly based on your specific wildfire risk and home characteristics. Loomis homeowners in designated fire hazard zones should expect to pay above the state average, especially with the proposed 2026 rate increases. Shopping around with multiple insurers is essential to find the best rate.
Earthquake insurance typically covers three main areas: your home's structure (dwelling coverage), personal belongings (starting at $5,000, increasable to $25,000), and additional living expenses if you need temporary housing during repairs. However, deductibles are high—usually 5% to 25% of your dwelling coverage amount. Your standard policy will cover fire damage caused by earthquakes, but not the earthquake damage itself.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network