Auburn

About Auburn

Insurance in Auburn, CA

Inszone writes insurance in Auburn, CA from our office at 11879 Kemper Rd, Suite 11. The office is on Kemper Road in North Auburn, just off Highway 49 and a few minutes from its junction with I-80, the Gold Country crossroads that connects Auburn to the Sacramento Valley and the Sierra.

This office was Citizens General Insurance Brokers, an Auburn agency since 2011 built around contractors and small businesses, and it joined Inszone with its address in place and its founding partners on the team. Policies carried over. Philip McClendon, who founded Citizens General, is a Commercial Sales Team Manager here alongside Ryan Ursiny, with Ryan Giacomini as Commercial Account Manager Team Lead, Kala Evans as Commercial Insurance Specialist, and John Mobley as Senior Financial Analyst.

Our Auburn insurance agency is an independent office that represents many carriers rather than one. That matters for contractors, whose premiums depend on class codes and payroll, and for foothill homeowners, whose options depend on how each carrier views wildfire.

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Personal Insurance in Auburn, CA

Auburn households are quoted through Inszone’s personal lines team, with this office as your starting point, for homeowners, renters, condo and landlord policies, auto, personal umbrella liability, and motorcycles, boats, RVs and classic cars.

Wildfire is a large part of any Auburn home insurance conversation. Much of the foothill land around Auburn is mapped as high or very high fire hazard severity zones, and some carriers have limited new business or non-renewed homes in those areas. When a standard carrier declines, homeowners insurance in Auburn, CA can often still be placed with another admitted carrier, a surplus lines carrier, or as a residual-market fire policy paired with a difference in conditions policy for the coverage the fire policy leaves out. Earthquake and flood are excluded from standard homeowners policies and are written separately.

Drivers comparing car insurance in Auburn should know California raised its liability minimums on January 1, 2025, to $30,000 per person, $60,000 per accident and $15,000 for property damage. Auburn car insurance quotes also depend on how far you drive, and commutes down I-80 toward Roseville and Sacramento add up.

Business & Contractor Insurance in Auburn, CA

Contractors are the core of this office’s book. Contractor insurance in California usually starts with general liability, workers’ compensation, commercial auto and equipment coverage, and it has to match what the license, the contract and the general contractor require. Contractor insurance is also where certificates, additional insured endorsements and waivers of subrogation decide whether you can start a job, and we turn those around quickly.

Contractor general liability insurance answers claims that your work injured someone or damaged property, including after the job is finished. In California, a contractor licensed as an LLC must carry liability insurance of at least $1 million, rising with the number of licensed personnel. General liability insurance for contractors in California is priced on the trade, the payroll or revenue, and the type of work, residential or commercial.

We write for general contractors and the trades. General contractor insurance usually adds higher limits and the ability to require subcontractors to carry their own coverage. Subcontractor insurance is often dictated by the general contractor’s agreement, down to the limits and endorsements. Roofing contractor insurance is a class many carriers limit, so access to several markets matters. Electrician insurance is usually written as general liability and tools coverage, with workers’ compensation once there are employees. Plumber insurance follows the same pattern, often with added limits for water damage claims. Landscaping insurance adds equipment and, for tree work, the separate C-61/D-49 classification. For smaller jobs, handyman insurance is written for the liability side of work that falls under California’s minor work exemption.

On construction projects, builders risk insurance is property insurance for a building while it is being built or renovated, usually bought by the owner or general contractor. It is typically written for materials on site and in transit, and it ends when the project is complete or occupied. Builders risk insurance in California is used on custom homes and commercial builds alike.

Bonds are the other half of a contractor’s paperwork. Every licensed California contractor must file a $25,000 bond, or a cash deposit, with the Contractors State License Board. A performance bond assures the project owner that the work will be completed under the contract, with the surety stepping in if the contractor defaults. California also requires a payment bond on public works contracts over $25,000. We place contractor bonds alongside the insurance program, so the bond and the policy limits line up.

California requires workers’ compensation from the first employee, with no small-employer exemption. Beyond contractors, we write small business insurance for Auburn retail, restaurants, professional offices and service businesses, including business owner’s policies, commercial property, cyber and professional liability.

Inszone Insurance agency near me

Our Auburn insurance office is open Monday to Friday, 7:30am to 4:00pm, with weekends by appointment. Call 800-621-0884, use the quote form on this page, or come by 11879 Kemper Rd, Suite 11.

As an Auburn insurance agency, we work with clients across Placer County, including Lincoln, Rocklin, Loomis, Newcastle, Meadow Vista, Colfax and Foresthill. Whether you are bidding a public project that needs a performance bond, adding a new truck to a contractor’s auto policy, starting a custom home that needs builders risk, or looking for a home policy after a non-renewal, our insurance specialists can talk through the options available for your situation.

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FAQs

What insurance does a contractor need in California?

Every licensed contractor must file a $25,000 license bond with the Contractors State License Board. Contractors with employees must carry workers’ compensation, and contractors licensed as an LLC must also carry liability insurance of at least $1 million. Beyond the legal minimum, most general contractors and project owners require general liability, commercial auto and specific endorsements in the contract, and a specialist can match a program to those requirements.

Does my Auburn business need workers’ compensation insurance?

Yes, if you have employees. Under California Labor Code section 3700, every employer with one or more employees must carry workers’ compensation, with no small-employer exemption. Five contractor classifications must carry it even with no employees at all: C-8 Concrete, C-20 Warm-Air Heating/HVAC, C-22 Asbestos Abatement, C-39 Roofing, and C-61/D-49 Tree Service. Other licensees can file a no-employee exemption until January 1, 2028.

What is builders risk insurance?

It is property insurance for a building under construction or renovation. It is usually bought by the owner or general contractor, is typically written for materials and work in place, on site and in transit, and ends when the project is completed or occupied. Policy terms vary on theft, testing and soft costs, so a specialist can compare forms before the project starts.

My Auburn home insurance wasn’t renewed. What are my options?

A non-renewal is not the end of the road. The usual order is to re-shop the admitted market, then surplus lines carriers, and if neither will write the home, a residual-market fire policy paired with a difference in conditions policy for the coverage the fire policy leaves out. Home hardening and defensible space can also help with some carriers. A specialist can walk through which options are open for your address.

Is this the same office that was Citizens General Insurance Brokers?

Yes. Citizens General Insurance Brokers, Inc. joined Inszone Insurance, and this office continues from 11879 Kemper Rd, Suite 11 with Citizens General’s founding partners still on the team. Policies carried over.

How do I get a quote from your Auburn insurance office?

Call 800-621-0884 or use the quote form on this page, and come by 11879 Kemper Rd, Suite 11 if you would rather do it in person. For contractor coverage, have your CSLB license number, trade classifications, payroll or revenue, and any contract insurance requirements to hand; for a home, your current declarations page and any non-renewal notice.4