Aegis General Insurance Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City appointed with Aegis General Insurance Agency. We write three Aegis programs for California homes: admitted homeowners coverage (HO-3, with an optional HO-5 endorsement), excess and surplus lines home and dwelling fire policies, and stand-alone Difference in Conditions (DIC) policies that sit alongside a California FAIR Plan policy. If another carrier fits better, we will tell you that too.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010. Our 20 dedicated insurance professionals help homeowners across Northern California compare their options in a home insurance market that keeps changing.
- Residential Property Since 1977
- Homeowners, E&S, and DIC
- 850+ Five-Star Google Reviews
- Spanish-Speaking Agents
- Local Yuba City Office
Why California Homeowners Look at Aegis General
A residential property specialist whose home programs are built for California.
Aegis General Insurance Agency has specialized in residential property insurance since 1977 and has been part of K2 Insurance Services since 2013. It works as a program administrator. Aegis designs and services its home programs and handles claims through K2 Claims Services, while partner insurers issue the policies. Aegis sells through independent agents and brokers, which is how Oakview places Aegis business for our clients.
What sets Aegis apart in California is focus. Its Specialty Division is based in Santa Clara, and the homeowners, E&S, and DIC programs Oakview writes are all California programs (DIC is also offered in Colorado). The insurer behind your policy depends on the program: the homeowners program is written on an admitted basis, and E&S policies are issued by a surplus lines insurer. Your quote and policy name the insurer, and we explain the difference before you buy. At quote time, Aegis pulls wildfire hazard, roof, and loss history data in real time, so most underwriting questions come up before the policy is issued instead of after. Availability varies by property and location, and every policy is subject to Aegis underwriting.
Figures from Aegis General's website, checked October 2026.
Aegis Programs Available Through Oakview
Three Aegis programs for California homes, each subject to Aegis underwriting, policy terms, limits, and exclusions.
Stand-Alone DIC for Homes on the California FAIR Plan
The California FAIR Plan is the state's insurer of last resort. It sells basic fire coverage on a named-peril dwelling form, pays on an actual cash value basis unless replacement cost options are added, and offers no personal liability coverage. An Aegis stand-alone DIC policy is built to sit beside a FAIR Plan policy and fill gaps such as water damage, theft, and personal liability. Aegis has offered stand-alone residential DIC programs designed around state FAIR Plans for nearly a decade, and it says the program does not require the typical underwriting criteria of a full homeowners policy.
If your home is in a high fire area, our high fire insurance page explains how we approach these placements. FAIR Plan details here are informational; FAIR Plan coverage, limits, and eligibility are set by the California FAIR Plan Association. Availability varies by property and location.
- All occupancies
- Dwelling limits up to the FAIR Plan maximum
- Personal liability up to $500,000
- Evacuation reimbursement for primary homes
- Optional equipment breakdown
- Renters and condo owners too
Aegis Homeowners (HO-3, Optional HO-5)
For owner-occupied primary homes built in 1900 or newer. Dwelling limits go up to $1,000,000 on new business, and Inflation Guard keeps coverage current with limits up to $875,000 on later renewals. Up to 25% extended replacement cost is included, along with $100,000 personal liability and $50,000 animal liability. An optional HO-5 endorsement adds open-perils coverage for personal property. Discounts can apply for eligible customers, including auto, multi-policy, and loyalty credits.
See our homeowners insurance page for how we compare home policies.
- Primary homes
- Up to $1M dwelling (new business)
- Up to 25% extended replacement cost
- Optional HO-5 contents endorsement
- Multi-policy discounts
Aegis E&S Home and Dwelling Fire (HO-3, DP-3)
For homes that do not fit the admitted market. The HO-3 form covers owner-occupied primary homes, and the DP-3 form covers owner, tenant, seasonal, and vacation rental properties. Dwelling limits reach $1,000,000 on new business and up to $1,250,000 on later renewals, with up to 25% extended replacement cost included.
These are surplus lines policies. The California Insurance Guarantee Association (CIGA), which protects claims with admitted insurers, does not apply to surplus lines insurers. We go over that difference with you before you choose.
- Primary homes (HO-3)
- Rentals and seasonal homes (DP-3)
- Up to $1M dwelling (new business)
- Surplus lines
Wildfire, Flood, and Earthquake Around Yuba City
An Aegis policy is one piece of protecting a Sacramento Valley home. Here is how it fits with the risks we talk about most.
Foothill Homes on the FAIR Plan
If your foothill home is insured with the FAIR Plan, pairing it with an Aegis DIC policy can bring your coverage closer to a full homeowners policy, including personal liability. Aegis offers its DIC program for areas of higher wildfire exposure. Availability varies by property and location.
Flood on the Valley Floor
Standard homeowners policies generally do not cover flood damage. Oakview writes flood insurance as a separate policy, so ask us about it when we quote your home.
Earthquake
Standard California homeowners policies generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements, and we can quote it alongside your home policy.
Aegis Coverage Through Oakview
| Coverage | Who it's for |
|---|---|
| Aegis Homeowners (HO-3) | Owner-occupied primary homes in the admitted market |
| HO-5 personal property endorsement | Aegis HO-3 policyholders who want open-perils coverage on their belongings |
| Aegis E&S Homeowners (HO-3) | Owner-occupied primary homes that do not fit the admitted market |
| Aegis E&S Dwelling Fire (DP-3) | Owner, tenant, seasonal, and vacation rental dwellings |
| Aegis Stand-Alone DIC | Homes insured with the California FAIR Plan, all occupancies, including renters and condo owners |
| Equipment breakdown (on DIC) | DIC policyholders who want coverage for mechanical, electrical, and pressure system breakdown |
Coverage is subject to Aegis underwriting, policy terms, limits, and exclusions.
Why Work With Oakview on an Aegis Policy
Oakview has access to more than 100 A-rated carriers, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. That means an Aegis quote sits next to your other options, and we recommend it only when it fits your home. When a home ends up in the surplus lines market, we explain what changes before you sign anything.
Our team of 20 dedicated insurance professionals has been voted Best Insurance Agency, Best Agent, and Best Customer Service in the Appeal-Democrat's Best of Yuba-Sutter-Colusa readers' poll, multiple years. Clients have left us 850+ five-star Google reviews; read our reviews on Google.
Two of our personal lines agents speak Spanish and can help with business and farm policies too. Call (530) 674-5054 to talk with someone in our Yuba City office.
Aegis Coverage Across Northern California
We work with clients throughout California, with a focus on Northern California and the communities below.
Our Yuba City Office
1670 Sierra Ave Ste 303, Yuba City, CA 95993. Call (530) 674-5054 or email info@oakviewins.com. Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Yuba-Sutter
Our home base covers Yuba City, Marysville, Linda, Plumas Lake, Live Oak, and Wheatland, along with nearby communities like Sutter and Loma Rica.
Butte and Colusa Counties
We serve homeowners in Chico, Oroville, and Gridley in Butte County, and Colusa to the west.
Greater Sacramento
South of Yuba-Sutter, we work with clients in North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
Aegis General Insurance Questions, Answered
Is Oakview an appointed Aegis General agent?
Yes. Oakview Insurance Services is an independent agency in Yuba City appointed with Aegis General Insurance Agency. Through Aegis we write admitted homeowners policies (HO-3, with an optional HO-5 endorsement), excess and surplus lines home and dwelling fire policies, and stand-alone DIC policies for homes insured with the California FAIR Plan.
Who insures an Aegis General policy?
Aegis General is a program administrator and part of K2 Insurance Services. It designs and services the programs, and partner insurers issue the policies. The homeowners program is written on an admitted basis, and E&S policies are issued by a surplus lines insurer. The insurer is named on your quote and policy, and we can walk you through it before you buy.
What does Aegis write in California through Oakview?
Oakview writes three Aegis programs in California: HO-3 homeowners for owner-occupied primary homes with an optional HO-5 personal property endorsement, E&S HO-3 and DP-3 policies for homes and dwellings that do not fit the admitted market, and stand-alone DIC policies that pair with the California FAIR Plan. Availability varies by property and location, and every policy is subject to Aegis underwriting.
What is a DIC policy, and how does it work with the FAIR Plan?
The California FAIR Plan is the state's insurer of last resort. It sells basic fire coverage on a named-peril form and does not offer personal liability coverage. A Difference in Conditions (DIC) policy sits beside the FAIR Plan policy and adds coverage the FAIR Plan leaves out, such as water damage, theft, and personal liability. Aegis's DIC program supports all occupancies, offers personal liability limits up to $500,000, includes evacuation reimbursement for primary homes, and offers equipment breakdown as an option. Coverage is subject to Aegis underwriting and policy terms.
What is the difference between an Aegis E&S policy and an admitted policy?
Admitted insurers are licensed by the California Department of Insurance, and their covered claims are protected by the California Insurance Guarantee Association (CIGA) if the insurer becomes insolvent. CIGA does not apply to surplus lines insurers. Aegis E&S policies are written in the surplus lines market for homes that do not fit the admitted market. We explain the difference before you choose.
Does an Aegis policy cover flood or earthquake?
Standard homeowners policies generally do not cover flood damage, and standard California homeowners policies generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements. Oakview can quote flood and earthquake coverage separately so they sit alongside your Aegis policy.
How do I get an Aegis General quote?
Fill out our online quote form or call (530) 674-5054. You can start the request before every document is ready. A copy of your current declarations page or FAIR Plan policy helps us quote faster. We will compare Aegis with the other carriers we can access and tell you which fits your home.
Why work with Oakview instead of going to Aegis directly?
Aegis sells through independent agents and brokers, so a local agency like Oakview is how most homeowners reach Aegis. Working with us also means your Aegis quote is compared with other options from the more than 100 A-rated carriers we can access, and you have a local office to call when your policy renews or you have a claim.
Does Oakview serve Aegis clients outside Yuba City?
Yes. We work with clients throughout California, with a focus on Yuba-Sutter, Butte County, Colusa County, and Greater Sacramento. Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Talk to a Local Aegis General Agent
Send us your current declarations page or FAIR Plan policy, and we will see whether an Aegis program fits your home. If another carrier fits better, we will tell you that too.
Oakview Insurance Services, Inc. | 1670 Sierra Ave Ste 303, Yuba City CA 95993 | CA License #0L91635 | (530) 674-5054 | info@oakviewins.com | Licensed in CA, OR, WA, NV, ID, AZ | Aegis General Insurance Agency, Inc. (CA License No. 0I66850) is a K2 Insurance Services brand. Aegis General is a program administrator, and policies are issued by its insurer partners, which vary by program. Existing clients can find claims and billing contacts on our carriers page. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.