If you are looking for an independent insurance agent in Sacramento, CA, Oakview Insurance Services is worth a call. We are not a franchise. We are not backed by private equity. We are not a national agency with a Sacramento landing page. We are based in Yuba City, about an hour north, and we work with Sacramento clients regularly because we know this market in ways that took years to earn. We work with more than 30 A-rated carriers and shop the market on your behalf. We have earned 807+ verified five-star Google reviews and have been voted Best Agent, Best Agency, and Best Customer Service multiple times throughout the region. Complete the form below to get started, or call us directly at (530) 674-5054.
Sacramento Is Not Just a Market for Us, It Is Where We Are From
Mariah Davis founded Oakview Insurance Services in 2010 in her hometown of Yuba City. She is a Sacramento State graduate and was recognized by the Sacramento Business Journal as a 40 Under 40 recipient. She built the agency from the ground up, and within a year had met the person she would build the rest of it with.
Scott McClarrinon is Oakview’s VP and co-owner, and Mariah’s husband. He was born in East Sacramento. As a child, before his family moved away from Sacramento, he spent time at Compton’s Market, at Vic’s Ice Cream on 21st, at Gunther’s Ice Cream on Franklin, in Land Park, at McKinley Park. His family has been part of this city across multiple generations. His relatives include lawyers, nurses, and police officers, many of them CK McClatchy graduates, Sacramento City College and Sacramento State alumni. Scott’s grandfather and grandmother ran Marie’s Pies and Pastries, a beloved Sacramento institution that started in Midtown and later moved to Riverside Boulevard across from Vic’s Ice Cream. They passed before Scott was born, but the bakery left behind a following that longtime Sacramento residents still remember. Scott’s father served as a California state police officer assigned to Governor Ronald Reagan’s personal security detail.
Scott had been living in Sacramento for several years when he met Mariah in 2011. After building Oakview together, they lived in Sacramento’s Southland Park neighborhood for three years before relocating to Yuba City to be closer to the agency. During those Sacramento years, and continuing today, they are partners in Bailarin Cellars, a wine venture whose wines are made, sourced, and bottled in Sonoma County. The Sacramento chapter of that story was a K Street storefront built around a simple idea: bring a Sonoma tasting experience to the city without the drive. Scott’s family still lives in the Pocket.
We know Sacramento. The neighborhoods, the flood zones, the earthquake exposure, the rental market, the contractor landscape. Not from a risk database. From being here.
Independent and Locally Owned. Not a Franchise, Not PE-Backed
State Farm has more than ten agents competing for Sacramento search traffic. Farmers, Allstate, and AAA are well represented across the metro. They are captive agents. Each represents one carrier and can only offer that carrier’s products. When that carrier raises your renewal significantly or tightens its underwriting in your ZIP code, your options with a captive agent are limited to whatever that one company decides to do next. Even agents who technically access a handful of alternative markets are compensated primarily on their core carrier’s products. The incentive structure is not designed around finding you the best option across the market.
Franchise agencies have also expanded into Sacramento in recent years, positioning themselves as independent because they technically access multiple carriers. The structure matters. A franchise agent operates under guidelines set by a publicly traded corporate parent, pays franchise fees that are built into how the business runs, and works within a system whose primary design is not to serve your specific situation but to generate returns for a shareholder base. The marketing language is often identical from one franchise location to the next, written by corporate, not by the person who answered the phone.
Oakview is not a franchise. We are independently owned, not PE-backed, not publicly traded. We work with more than 30 A-rated carriers. When one company is not competitive for your situation, we have others. That is what independence means when it is not a marketing claim attached to a franchise agreement.
For Sacramento households, the difference shows up most directly on bundled coverage. Combining home and auto with the right carrier typically saves 10 to 25 percent off both policies. A captive agent bundles within one carrier’s lineup. We shop that combination across dozens of companies to find where it costs the least for your specific address, vehicle profile, and coverage history in Sacramento.
Sacramento’s Three Coverage Gaps Most Homeowners Have Not Fully Addressed
Sacramento is unusual among California cities in that it carries real exposure on three separate fronts that most homeowners policies do not cover: flood, earthquake, and wildfire smoke and ash. A standard homeowners policy addresses fire and a range of common perils. It does not cover the first two, and its wildfire coverage is under pressure from carrier pullbacks across the state.
Flood Insurance for Sacramento Homeowners
Standard homeowners policies do not cover flood damage. Sacramento sits between the American River and the Sacramento River, and flood risk is real in many neighborhoods even outside FEMA’s designated high-risk zones. Some of the calls we get after a heavy rain season are from homeowners who assumed their policy covered flooding because the water came from the sky. It does not work that way.
We write flood coverage through both the FEMA National Flood Insurance Program and private flood carriers. Private flood has become a strong option for many Sacramento homeowners, often with broader coverage, lower deductibles, and faster claims handling than NFIP. If your lender requires flood coverage, or if your property is near a waterway or in a low-lying neighborhood, the conversation is worth having before you need it.
If you are buying a new home in the North Natomas area, the flood picture has specific and important dimensions. North Natomas sits within the FEMA A99 Special Flood Hazard Area, covering zip codes 95833, 95834, and 95835. Flood insurance is generally required by lenders with federally backed mortgages in A99 zones, and active new construction in that corridor from builders including Lennar, Risewell Homes, and Anthem United means hundreds of new households are encountering this requirement at closing every year. Visit our North Natomas insurance page for a full breakdown of what the A99 designation means and how flood coverage works for buyers in those communities.
Learn more about flood insurance options.
Earthquake Insurance for Sacramento Homeowners
Sacramento is not on the San Andreas fault, but it sits within reach of several active fault systems, including the Foothills fault system to the east and faults associated with the Coast Ranges to the west. Older Sacramento homes, particularly the Craftsman and Victorian-era properties in Midtown, East Sacramento, and Land Park, were built well before modern seismic construction standards. Those homes can sustain significant structural damage in an earthquake that a newer home would handle with less trouble.
Standard homeowners policies exclude earthquake damage entirely. The California Earthquake Authority is the most common option, but it is not the only one. Private earthquake carriers offer lower deductibles and more flexible coverage in many cases. We help Sacramento homeowners compare the CEA and private options and determine what level of protection makes sense for their specific property and budget.
Wildfire and Smoke Damage
Sacramento proper does not carry the same direct wildfire risk as the surrounding foothills, but smoke and ash from regional fires hit properties across the metro every summer. Carrier pullbacks from wildfire-adjacent areas have also affected parts of Natomas, Arden-Arcade, and neighborhoods near the American River corridor. As an independent broker with access to both admitted and non-admitted carriers, we can find coverage options when the standard market is not cooperating.
Learn more about the California FAIR Plan and high fire options.
Landlord and Investment Property Insurance in Sacramento
Sacramento’s rental market has been among the tightest in California for years. Vacancy rates remain low, demand is steady, and the city continues to draw new residents from coastal markets. Statewide, the median landlord insurance policy now runs approximately $1,700 per year, and owners in wildfire-adjacent ZIP codes are paying $2,000 or more as major carriers reduce their California exposure.
A standard homeowners policy does not cover a property you rent to tenants. It is built around owner-occupancy and its exclusions become significant the moment a tenant moves in. Landlord policies properly address liability exposure, loss of rents protection, property damage in a rental context, and the specific situations that arise when tenants rather than owners are occupying the space.
We work with individual Sacramento landlords and property management firms on single rental homes, small apartment buildings, and larger investment portfolios. If your current coverage has not been reviewed since you first bought the property, it is worth checking whether the policy actually fits the way you are using it.
Contractor Insurance in Sacramento, CA
Sacramento has one of the more active construction markets in Northern California. Residential development continues in Natomas, Elk Grove, and the expanding eastern suburbs. Commercial and institutional projects are active downtown and along the Highway 50 corridor. UC Davis is building Aggie Square in East Sacramento. Infrastructure work runs throughout the region.
Contractors operating in this market face certificate of insurance requirements from general contractors and government agencies, additional insured endorsements that need to be structured correctly from the start, and California workers compensation obligations that carry real penalties when they are not met. A basic general liability policy placed through a captive agent or a franchise system is not necessarily built to handle those requirements precisely.
We work with general contractors, subcontractors, specialty trades, and owner-builders throughout Sacramento and the surrounding region. We understand what certificates need to say, how additional insured language needs to be structured, and how California workers comp requirements apply across different classification situations.
Small Business Insurance in Sacramento, CA
Sacramento’s business mix runs wide. State government contractors, healthcare practices, restaurants on K Street and throughout Midtown, retail operations, professional services firms, and a technology sector that has grown steadily over the past decade all carry different risk profiles. Most of them need more than a generic business owner’s policy.
We help Sacramento business owners build commercial insurance programs that fit their specific operation and coordinate with their personal coverage. One advisor who sees both sides of your coverage picture means fewer gaps at renewal and no surprises when a claim touches both the business and personal side of your life.
For local business resources, the Sacramento Metro Chamber of Commerce is worth knowing.
Auto Insurance in Sacramento, CA
Interstate 5, Highway 99, Business 80, the Capital City Freeway. Sacramento has some of the most congested corridors in the state, and the city consistently ranks among California’s highest for catalytic converter theft and vehicle break-ins. That combination of high traffic volume and high vehicle crime means auto insurance in Sacramento deserves more thought than finding the lowest rate and moving on.
We compare rates across 30-plus carriers for Sacramento drivers. Uninsured and underinsured motorist coverage is the one we push on every quote. California’s uninsured driver rate is significant, and if someone without insurance hits you, your own coverage is what makes you whole.
Insurance Options for Sacramento, CA
We help Sacramento residents, landlords, contractors, and business owners with a full range of personal and commercial insurance:
- Homeowners insurance
- Auto insurance
- Renters insurance
- Mobile and manufactured home insurance
- California FAIR Plan and high fire insurance
- Flood insurance
- Umbrella and excess liability
- Life insurance
- RV, boat, and recreational vehicle insurance
- Landlord and rental property insurance
- Small business insurance
- Commercial and business insurance
- Workers compensation
- Contractor insurance
- Group health and employee benefits
Why Sacramento Clients Choose Oakview
- Sacramento roots, not a landing page: Mariah Davis founded Oakview in Sacramento in 2010. Scott McClarrinon was born in East Sacramento and comes from a family with generations of Sacramento community history. We know this city because we are from it.
- Locally owned, no franchise overhead: Not PE-backed, not franchised, not publicly traded. Our advisors answer to clients, not to a corporate production quota.
- 807+ five-star reviews: Voted Best Agent, Best Agency, and Best Customer Service multiple times. Read what clients say on our Google reviews page and meet our team.
- 30+ A-rated carriers: When one company is not competitive for your situation, we have others. That applies to every line of coverage.
- Flood, earthquake, and hard market expertise: Sacramento’s triple-threat exposure requires an advisor who understands all three. We do, and we handle them regularly.
- Contractor and landlord depth: We work with Sacramento’s construction market and rental portfolio owners on coverage that actually fits how they operate.
- Bilingual service: Full service in English and Spanish. Hablamos Español.
Servicio en Español — Seguros en Sacramento, CA
En Oakview Insurance Services, ofrecemos servicio en español para las familias y negocios de Sacramento y el Valle de Sacramento. Ya sea seguro de auto, seguro de hogar, seguro contra inundaciones, seguro de terremoto, o seguro de negocio, estamos aquí para ayudarle a encontrar la cobertura correcta al precio correcto.
Llámenos al (530) 674-5054 o complete el formulario en línea para recibir una cotización personalizada. Hablamos español y estamos listos para servirle.
Frequently Asked Questions — Sacramento Insurance
Do you serve Sacramento even though your office is in Yuba City?
Yes. We serve Sacramento clients by phone, online, and in person. Mariah Davis founded Oakview in 2010 and is a Sacramento State graduate recognized by the Sacramento Business Journal as a 40 Under 40 recipient. Scott McClarrinon was born in East Sacramento, lived in Sacramento for several years, and has family roots across multiple Sacramento neighborhoods and institutions going back generations. We are not a national agency with a Sacramento landing page. We know this market and work in it regularly.
Do I need flood insurance in Sacramento?
Probably, depending on where you live. Sacramento sits between the American and Sacramento Rivers, and flood risk exists in many neighborhoods even outside FEMA’s designated high-risk zones. Standard homeowners insurance does not cover flood damage under any circumstances. We can check your specific address and walk you through both NFIP and private flood options.
Does homeowners insurance cover earthquake damage in Sacramento?
No. Earthquake damage is excluded from standard homeowners policies. Sacramento has real seismic exposure from multiple active fault systems in the region, and older homes in Midtown, East Sacramento, and Land Park are particularly vulnerable. We help clients compare the California Earthquake Authority and private earthquake insurance options.
What is the difference between Oakview and a franchise insurance agency operating in Sacramento?
Franchise agents pay fees to operate under a corporate brand and work within guidelines set by a publicly traded parent company. Their marketing copy is often identical from one location to the next because it is written at the corporate level. Oakview is not a franchise. We are locally owned with no corporate parent, no franchise fees, and no production quotas set by shareholders.
How is Oakview different from State Farm or Farmers in Sacramento?
State Farm and Farmers agents are captive, meaning they represent one company and can only offer that company’s products. When rates go up or a carrier pulls back from the market, they have one company’s response to offer. Oakview works with more than 30 A-rated carriers. When one does not fit, we have others.
Can you help Sacramento landlords and investment property owners?
Yes. A standard homeowners policy does not cover rental property the way it needs to. We build landlord programs that properly address liability, loss of rents, property damage, and the specific needs of individual rentals and larger portfolios throughout Sacramento.
Do you cover Sacramento contractors?
Yes. We work with general contractors, subcontractors, specialty trades, and owner-builders throughout Sacramento. We understand certificate of insurance requirements, additional insured endorsement structures, and California workers compensation obligations that Sacramento contractors deal with regularly.
Do you have expertise with North Natomas flood insurance?
Yes. North Natomas sits within the FEMA A99 Special Flood Hazard Area covering zip codes 95833, 95834, and 95835. We have a dedicated page covering the A99 designation, lender requirements, NFIP vs. private flood options, and the new construction communities actively building in that corridor. Visit our North Natomas insurance page for full details.
How do I get an insurance quote in Sacramento?
Call us at (530) 674-5054 or complete the form below. We ask a few questions, compare options across our carrier network, and give you a straight breakdown of what each option covers and costs. Same-day quotes available for most personal and small business lines.
Serving Sacramento and the Greater Sacramento Valley
We actively serve clients across Sacramento and surrounding communities, including Midtown and Downtown, East Sacramento and Land Park, Natomas and North Sacramento, South Sacramento and Pocket-Greenhaven, Arden-Arcade and Carmichael, Elk Grove and Laguna, Rancho Cordova and Folsom, Citrus Heights and Antelope, West Sacramento and Davis, and Rocklin, Roseville, and Granite Bay.