Local Sacramento, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home and flood insurance in Sacramento, California
Sacramento sits where the American River meets the Sacramento River, protected by a system of levees, dams, and bypasses. Tree-lined older neighborhoods such as Land Park, East Sacramento, and Midtown contrast with newer construction in Natomas and the south end of the city.
Flood insurance behind the levees
Much of the city, including the Natomas basin and the Pocket, lies on low floodplain that depends on levees, and the region has long been regarded as one of the most flood-exposed metropolitan areas in the country. A standard home policy does not cover flood, so we quote flood insurance for homes in and out of mapped zones, including where a lender does not require it.
Homeowners insurance for older homes and big trees
Sacramento's mature tree canopy is part of its character, and winter windstorms like those of January 2023 can bring large trees down on roofs, fences, and cars. Older bungalows and Tudors may also have wiring and plumbing that carriers ask about. We shop homeowners coverage across carriers for older and newer homes alike.
Autos, rentals, and umbrella
Commuters fill I-5, I-80, Highway 50, and Highway 99 every day, and valley fog adds to winter driving risk. We insure autos, rental homes, and renters, and offer umbrella coverage for Sacramento households.
Your insurance team for Sacramento, California
We also serve nearby Elk Grove, Roseville, Folsom, West Sacramento, and Rancho Cordova, along with communities across California.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.
We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.
"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
Elye Insurance
Your trusted insurance advisor in Sacramento, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Sacramento, California.
