Wright & Kimbrough
3017 Douglas Blvd, Suite 300, Roseville, CA 95661
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3017 Douglas Blvd, Suite 300, Roseville, CA 95661
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Roseville residents.
Roseville homeowners pay $1,800/year on average. New homes get better rates but fire zones emerging in foothills. Bundling saves 15-20%. Get the facts.
Most of Roseville is considered low to moderate wildfire risk, but about 84% of buildings have some level of exposure, especially as development pushes eastward toward the Sierra foothills. Updated state maps released in 2025 now include Moderate and High designations for portions of Placer County. While downtown Roseville is relatively safe, insurers are increasingly cautious about the broader region due to California's wildfire trends.
Earthquake coverage isn't required, but it's highly recommended. Your standard home insurance doesn't cover earthquake damage, and Northern California sits near active fault lines. A CEA earthquake policy covers dwelling damage, personal property, and additional living expenses. If you have an older home, retrofitting can qualify you for up to a 25% discount on earthquake premiums.
Most Roseville homeowners pay between $1,400 and $2,200 annually for home insurance, depending on home age, location, construction type, and coverage limits. This is slightly above California's average due to rising wildfire concerns in the Sacramento metro area. Newer homes in communities like Fiddyment Farm may qualify for lower rates thanks to fire-resistant construction and modern building codes.
Defensible space refers to the area around your home where vegetation and combustible materials are managed to slow wildfire spread. California law requires 100 feet of defensible space if you're in a wildfire-prone area, with special attention to the critical 0-5 foot zone immediately around your house. Even if you're in a lower-risk part of Roseville, maintaining defensible space can prevent insurance non-renewal and protect your home.
Yes, insurers in California can non-renew policies, especially if they identify wildfire risk factors like overgrown vegetation, wood shake roofs, or proximity to high-risk zones. Placer County saw a 28% increase in FAIR Plan policies last year, indicating that some homeowners are struggling to secure traditional coverage. Maintaining your home, creating defensible space, and shopping with multiple carriers can help you avoid the FAIR Plan.
Generally, yes. New construction in Roseville communities like Crocker Ranch and WestPark is built to modern fire-resistant and seismic safety codes, which reduces risk and can lower premiums. Newer homes also have updated electrical, plumbing, and roofing systems that are less likely to fail. Make sure you have replacement cost coverage that reflects current construction costs, as rebuilding can be more expensive than your home's market value.
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