Interwest Insurance Services, LLC
8950 Cal Center Dr, Bldg 3, Ste 200, Sacramento, CA 95826
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Sacramento households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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8950 Cal Center Dr, Bldg 3, Ste 200, Sacramento, CA 95826
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1918 Fruitridge Road, Sacramento, CA 95822
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7300 Franklin Blvd, #103, Sacramento, CA 95823
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7300 Franklin Blvd., Ste. 103, Sacramento, CA 95823
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700 E St, Sacramento, CA 95814
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910 Florin Rd, Ste 108, Sacramento, CA 95831
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4501 Auburn Blvd, Suite 103, Sacramento, CA 95841
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1333 Howe Ave, Suite 202, Sacramento, CA 95825
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3061 Fulton Ave, Sacramento, CA 95821
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2868 Northgate Blvd, Ste 103, Sacramento, CA 95833
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Learn about insurance coverage options specific to Sacramento residents.
Sacramento home insurance averages $1,500/year, up 54% since 2019. Learn how carrier exits, FAIR Plan, wildfire mitigation, and earthquake coverage affect your costs.
Home InsuranceSacramento homeowners face wildfire smoke risk from Sierra fires. Learn about coverage options, costs ($1,200-$12,000), FAIR Plan, and smoke damage claims.
Home InsuranceSacramento's unique flood risk from two rivers and levees makes flood insurance critical. Learn costs ($548 avg), zones, NFIP vs private, and ARkStorm risk.
Home InsuranceSacramento home insurance averages $1,237/year but rates jumped 54% in 6 years. Learn about flood risk, levee protection, wildfire smoke, and FAIR Plan coverage.
Car InsuranceSacramento auto insurance averages $1,800-2,400/year. Learn about CA's new 30/60/15 minimums, uninsured drivers, wildfire coverage & how to save on premiums.
Car InsuranceSacramento car insurance averages $175/month—lower than LA and SF. Learn about California's 20% good driver discount, CLCA program, and ways to save.
The California FAIR Plan is an insurer of last resort for homeowners who can't get coverage through traditional insurance companies. It's not government-backed but is funded by California's private insurers. You should consider the FAIR Plan only after you've been denied by multiple traditional carriers, and treat it as a temporary solution while continuing to shop for standard coverage. As of 2025, over 555,000 California homes rely on the FAIR Plan due to the ongoing insurance crisis.
Earthquake coverage typically adds 50-100% to your annual premium, costing between $850 and $1,770 per year for a $500,000 home. The exact cost depends on your home's age, construction type, foundation, proximity to fault lines, and soil conditions. If your home is older but has been seismically retrofitted with foundation bolting and cripple wall bracing, you may qualify for up to 25% discount on earthquake coverage.
California's Safer from Wildfires regulation requires insurers to discount premiums for specific mitigation measures. Key qualifying actions include creating a 5-foot ember-resistant zone around your home, maintaining 100 feet of defensible space with trimmed vegetation, installing a Class A fire-rated roof, upgrading to ember-resistant vents, adding double-pane windows, and enclosing eaves. Each improvement you complete increases your discount, and insurers must provide you with a wildfire risk score showing how these measures reduce your risk.
Major carriers like State Farm, Allstate, and The Hartford have stopped writing new policies in California due to rising wildfire risk and regulatory restrictions that historically prevented them from raising rates to match their actual exposure. The combination of catastrophic wildfire losses and inadequate premiums made California an unprofitable market. However, 2024 regulatory reforms now allow insurers to factor climate change into pricing and require them to gradually increase coverage in high-risk areas, which may bring some carriers back over time.
Yes, but it requires more effort than in previous years. Some carriers like AAA still offer competitive rates around $817 annually, though availability is limited. The best strategy is to get quotes from multiple insurers, invest in wildfire mitigation measures to qualify for discounts, bundle policies when possible, and work with an independent agent who has access to multiple carriers. The 2024 regulatory changes requiring insurers to expand coverage may gradually improve availability and competition.
If your renewal premium becomes unaffordable, don't simply drop coverage—that puts your home and mortgage at risk. First, shop with other carriers to compare rates. Consider increasing your deductible to lower premiums, though ensure you can afford the higher out-of-pocket cost if you file a claim. Invest in mitigation measures that qualify for discounts, and explore whether bundling with auto or umbrella policies reduces costs. As a last resort, the California FAIR Plan provides basic coverage while you continue seeking better options.
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