Oakview Insurance Services is an independent insurance agency serving North and South Natomas (zip codes 95833, 95834, and 95835) and the greater Sacramento area. Mariah Davis founded Oakview in her hometown of Yuba City in 2010, and since then we have helped homeowners, new construction buyers, renters, landlords, and small business owners across the region. Our team of 20 dedicated insurance professionals has access to more than 100 A-rated carriers, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets, and we have earned 850+ five-star Google reviews. We are also a Trusted Choice member agency. Buying or owning in Natomas comes with two questions most of Sacramento does not face: what the basin’s A99 flood designation means for your mortgage, and whether the policy a builder offers at closing is the one you should keep. We answer both every week. Request a quote to get started, or call us at (530) 674-5054.
Why Natomas Clients Choose Oakview
Here is what Natomas homeowners and business owners get when they work with us:
- An independent broker that compares 100+ A-rated carriers, so you choose on coverage and value rather than one company’s price
- Working knowledge of the A99 zone, NFIP and private flood options, and what lenders ask for at closing
- An independent review of builder-offered insurance before you close in Northlake, Natomas Landing, or Natomas Meadows
- A coverage-first process that looks for gaps, not just the lowest quote
- 850+ five-star Google reviews, voted Best Agent, Best Agency, and Best Customer Service multiple years running
- A real, dedicated advisor, not a call center, with bilingual service available. Meet our team.
Flood Insurance in Natomas: What the A99 Zone Means for You
The Natomas Basin was agricultural floodplain along the Sacramento River long before it was neighborhoods, and its homes depend on the levees that ring it. In 2008, after the Army Corps of Engineers withdrew support for the old levee certification, FEMA remapped the basin as a high-risk flood zone and new construction stalled for years. In 2015 FEMA moved the basin into an A99 zone, which lifted some of the building restrictions but kept the flood insurance requirement in place.
A99 is FEMA’s designation for areas where a federal levee project is under construction but not yet finished. Congress authorized rebuilding 42 miles of Natomas levees in 2014, and the Corps is still working through that project. Until it is complete and FEMA formally remaps the basin, A99 rules stay in force. For homeowners with a federally backed mortgage, that means flood insurance is required, and it is always a separate policy, because standard homeowners insurance excludes flood.
The requirement is more than paperwork. Water does not need to top a levee to damage a home, and Sacramento’s flood exposure is well documented. We help Natomas clients with:
- What their lender requires and the documentation needed for closing or renewal
- NFIP policies compared side by side with private flood insurance
- Building and contents limits, and how much of each makes sense
- Waiting periods, including when the usual 30-day wait is waived for a loan closing
- How flood coverage and a homeowners policy work together after a loss
If you are not sure what your property requires, or you want a second set of eyes on the flood policy you have, call us. For more, see our flood insurance page.
Home Insurance in Natomas, CA
Natomas homeowners fall into two groups: owners in the established neighborhoods built out over the last few decades, and buyers moving into the new communities going up in North Natomas and the Panhandle. Both need a dwelling limit that reflects today’s rebuild cost, and construction costs have climbed more than 33 percent over the past five years. A limit set when you bought may no longer cover a full rebuild. We also review liability limits, deductibles, loss of use, and the endorsements worth adding.
Buying a New Home in Natomas? Read This Before You Close
North Natomas is one of the busiest new home markets in the Sacramento region. Lennar is selling Phase II at Northlake, the master-planned community in 95835. Risewell Homes is building 343 homes at Natomas Landing in the Natomas Panhandle, and Natomas Meadows is adding more in the heart of North Natomas. Nearly every one of those buyers will be offered an insurance policy at or near closing.
Some builders run their own insurance agency alongside their mortgage and title companies, and the pitch is convenience: a pre-filled application and one less task during closing week. That is a sales channel, not a coverage review. A builder program will not shop your auto policy for a home and auto bundle, which is often the biggest discount in personal insurance. It will not look at the rest of your household, and it leaves the A99 flood conversation for you to handle. Once you close, its interest in your coverage usually ends too.
Federal rules require builders to disclose an affiliated insurance relationship and tell you that you are not required to use it. You can buy coverage from any agent you choose. We help new construction buyers set up home, auto, flood, and liability coverage together from the start, and the best time to call is a few weeks before closing.
Renters, Landlords, and Earthquake Coverage
We also write renters insurance throughout Natomas, and landlord policies built around liability exposure and loss of rental income for owners renting out a Natomas home. Standard California homeowners policies exclude earthquake damage, and the California Earthquake Authority offers coverage that can be added through an independent agent. For more, see our homeowners insurance page.
Auto Insurance in Natomas, CA
Natomas sits where Interstate 5 and Interstate 80 meet, a few minutes from downtown and right next to Sacramento International Airport, so most households here put real miles on their cars. Heavy freeway traffic raises the odds of a collision with a driver who carries too little insurance or none. California insurers must offer uninsured motorist coverage, but drivers can waive it in writing. We recommend keeping it.
We compare rates across 100+ carriers, review home and auto together so you get a bundle priced well on both policies, and help with teen drivers, multi-vehicle households, and commercial auto for business owners. See our auto insurance page for more.
Business Insurance in Natomas, CA
Natomas businesses range from restaurants and retail to auto repair shops, gas stations and convenience stores near the freeway interchanges, and electricians and HVAC contractors working on the new construction. Each has a different risk profile. A repair shop needs garage keepers coverage for customer vehicles, a contractor needs coverage that satisfies general contractors and permits, and a restaurant needs property and liability that match how it actually operates. We build commercial programs covering general liability, commercial property, business auto, and workers compensation, and we coordinate them with your personal coverage so gaps are less likely. Start with our small business insurance and commercial insurance pages.
Why an Independent Agent Makes a Difference in Natomas
A captive agent, such as State Farm, Farmers, Allstate, or GEICO, represents one company. If that carrier is not competitive for your situation, there is no alternative on that agent’s desk. As an independent agency, we compare real differences in coverage, price, and policy structure across carriers. That matters because your home, auto, flood, and liability coverage are not separate decisions. A deductible on one policy affects what makes sense on another, and a liability gap in one place can leave the rest of your assets exposed. When one advisor places those pieces together, the protection is usually stronger and the total cost lower than when separate agents each see one slice.
Insurance Options for Natomas and Sacramento, CA
We help Natomas residents and business owners with a full range of personal and commercial insurance:
Personal Insurance
See our full range of personal insurance options, including:
- Homeowners insurance
- Auto insurance
- Renters insurance
- Mobile and manufactured home insurance
- Flood insurance
- Earthquake insurance
- Umbrella and excess liability
- Life insurance
- ATV, SxS, and toy hauler insurance
- Boat and watercraft insurance
- Motorcycle insurance
- Classic car insurance
Business Insurance
See our full range of business insurance options, including:
- Landlord and rental property insurance
- Small business insurance
- General liability insurance
- Commercial auto insurance
- Workers compensation
- Contractor insurance
- Restaurant insurance
- Garage keepers insurance
- Gas station and convenience store insurance
- Electrician insurance
- HVAC contractor insurance
Farm and Agriculture Insurance
High Fire Insurance
Group Health and Employee Benefits
What Our Clients Are Saying
Oakview Insurance Services has earned 850+ five-star Google reviews from clients across the Sacramento Valley, including Natomas homeowners, new construction buyers, and business owners. Clients tell us they value an advisor who explains flood requirements in plain terms, shops the market honestly, and answers the phone when something goes wrong.
Read what our clients say on Google and see why Natomas families trust Oakview with their coverage.
Frequently Asked Questions: Natomas Insurance
Do I need flood insurance if I am buying a home in Natomas?
Most likely yes, if you are using a federally backed mortgage. The Natomas Basin is mapped as a FEMA A99 zone, and lenders on federally backed loans require flood insurance there. Even without a lender requirement, flood coverage is worth serious consideration given the basin’s history. We confirm the designation for your specific address.
When will the A99 flood zone designation go away?
Only after the Army Corps of Engineers finishes the Natomas levee project and FEMA formally remaps the basin. Until FEMA issues new maps, the A99 rules and the flood insurance requirement stay in place. If the designation changes, we will review whether keeping flood coverage still makes sense for you.
The builder offered me insurance at closing. Should I use it?
You are not required to. Federal rules require builders to disclose an affiliated insurance relationship and tell you it is optional. Builder programs are built for closing speed, and they do not shop your auto insurance for a bundle, review your household liability, or handle the A99 flood requirement for you. An independent review before you close usually turns up a better fit.
Is there a waiting period on flood insurance in Natomas?
Most flood policies carry a 30-day waiting period, but the wait is generally waived when the policy is purchased in connection with making or refinancing a mortgage. If you are buying, we coordinate the flood policy with your closing date so the lender’s requirement is met on time.
What is the difference between an independent insurance agent and a captive agent?
A captive agent works for one insurance company and can only sell that company’s products. An independent agency like Oakview has access to more than 100 A-rated carriers and can compare options. When one company is not competitive, we have others.
Can Oakview help me compare auto and home insurance together?
Yes. Bundling home and auto with the right carrier is one of the most effective ways to lower your total insurance cost. We review both policies together and find the combination that works best for your household.
Do you help with business insurance for Natomas businesses?
Yes. We help Natomas restaurants, retailers, auto repair shops, gas stations and convenience stores, electricians, and HVAC contractors with general liability, commercial property, workers compensation, commercial auto, and garage keepers coverage.
What zip codes do you serve in Natomas?
We serve 95833, 95834, and 95835, along with surrounding communities throughout the greater Sacramento area, including Del Paso Heights, Antelope, Elverta, and Downtown Sacramento.
Do you offer Spanish-language service in Natomas?
Yes. We offer bilingual service in English and Spanish for Natomas families and business owners. Hablamos español. Llámenos al (530) 674-5054.
How do I get an insurance quote in Natomas?
Call our office at (530) 674-5054 or request a quote online. We respond promptly, take time to understand your situation, and give you honest coverage recommendations with no pressure.
Serving Natomas and Surrounding Sacramento Communities
We serve North and South Natomas, including Northlake, Natomas Landing, and Natomas Meadows, along with nearby communities across Sacramento such as Del Paso Heights, Antelope, Elverta, and Downtown Sacramento. We serve Natomas zip codes 95833, 95834, and 95835.
Nearby Oakview pages: Sacramento, Woodland, Plumas Lake
Closing on a new home in Northlake or Natomas Landing with a builder’s policy in front of you? Told by your lender that you need flood insurance and not sure where to start? Paying for home and auto with two different companies? Running a shop near the freeway on a policy nobody has reviewed in years? These are the situations we work on every day in Natomas. Call us at (530) 674-5054 or use the button below to start your quote.