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.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, 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.