Insurance in Citrus Heights, California
Lions & Coventry Insurance Services is the independent brokerage at 7816 Uplands Way, Ste C, Citrus Heights, CA 95610 — not a call-center brand with a Sacramento ZIP stamped on a landing page. We place commercial and personal coverage for Citrus Heights, Orangevale, Fair Oaks, Carmichael, Antelope, and the rest of the northeast Sacramento corridor, with deep specialty work in construction insurance and cannabis business insurance.
Commercial coverage from a Citrus Heights desk
Local shops, landlords, offices, and light industrial accounts still need a broker who can read a lease exhibit and a loss run without a script. We place commercial packages, general liability, property, commercial auto, and workers compensation when the work and payroll match what underwriters will actually write. We do not invent “admitted everywhere” claims. If the risk belongs in surplus lines, we say so before you bind.
Two specialty books sit next to that everyday commercial work:
- Construction — GCs and trades who need certificates, additional insured wording, and class codes that survive an audit. Start with our construction insurance hub and the Sacramento metro notes when a GC is holding a start date.
- Cannabis — DCC-licensed cultivators, manufacturers, distributors, retailers, and testing labs. California cannabis still underwrites account by account. See cannabis business insurance and the statewide overview at cannabis insurance in California.
Personal home, auto, and umbrella
We also write personal insurance — homeowners, auto, and umbrella — when you want those policies next to the business account. One licensed brokerage, one phone number, the same people who already know your commercial schedule. Bundle when it helps; keep lines separate when it does not.
Local property notes: wildfire, foothills, and the FAIR Plan
Citrus Heights itself is not a foothill town, but plenty of our clients own or insure property that sits closer to the Placer and El Dorado edge — Loomis, Granite Bay, Folsom, and tracts where wildfire underwriting has gotten pickier since 2025. When admitted carriers restrict or non-renew, California’s last-resort path is often the California FAIR Plan for basic fire coverage, sometimes paired with a Difference-in-Conditions wrap so lenders get liability, water, and theft they will not find on a bare FAIR form.
That is a market-structure note, not a scare pitch. Bring the address, construction year, roof and mitigation documentation, and any non-renewal letter. We will tell you whether the private market still has appetite or whether FAIR Plan plus a wrap is the honest next step. Related field notes on this site cover commercial property moratoriums and foothill builders-risk questions when those calendars move.
Nearby local page
South Placer readers should also bookmark insurance in Loomis, CA — same brokerage, same markets, written for Loomis, Granite Bay, Penryn, and Newcastle searches.
Citrus Heights insurance FAQ
These answers are brokerage guidance, not legal advice. Coverage, eligibility, terms, and pricing depend on the submitted risk and underwriting; we do not promise a rank, carrier, or premium before review.
Where is the Citrus Heights office, and what local areas do you serve?
Our office is at 7816 Uplands Way, Ste C, Citrus Heights, CA 95610. We serve Citrus Heights and the northeast Sacramento corridor, including Orangevale, Fair Oaks, Carmichael, Antelope, and nearby Placer and foothill communities. Call (916) 967-7715 or use our contact page to start a local review.
Do you place both commercial and personal insurance?
Yes. We place commercial packages, general liability, property, commercial auto, and workers compensation when the actual operations and payroll fit the market. We also place personal homeowners, auto, and umbrella coverage when it makes sense alongside a business account. We explain whether a placement is admitted or surplus lines and do not invent a carrier rank or promise a premium before underwriting.
What construction and cannabis insurance specialties can this Citrus Heights desk handle?
For construction, we help GCs and trades with liability, certificates of insurance, additional-insured wording, and related contract requirements; start with our construction insurance resource. For cannabis, we work with DCC-licensed cultivators, manufacturers, distributors, retailers, and testing labs; see our marijuana insurance hub and California cannabis insurance guide. Each account is reviewed for its entity, premises, operations, limits, exclusions, and available market.
How do you approach the FAIR Plan and wildfire-exposed property in the northeast Sacramento corridor?
We start with an honest private-market review. When admitted carriers restrict or non-renew a property, the California FAIR Plan may be a last-resort source of basic fire coverage, sometimes paired with a Difference-in-Conditions wrap for other requested protections. Bring the property address, construction year, roof and mitigation details, and any non-renewal notice. This is brokerage guidance, not legal advice, and a FAIR Plan or private-market placement is never guaranteed.
How do I request a COI or additional-insured wording?
Use our contact page or call (916) 967-7715. Include the named insured, certificate holder or additional-insured name and address, job address, contract limits, and exact wording or deadline. Our California contractors COI and additional-insured checklist can help gather the details. We are at 7816 Uplands Way Ste C, Citrus Heights, CA 95610, license #0G22084; certificate requests are subject to the policy and endorsement terms.
NAP — how to reach us
- Agency: Lions & Coventry Insurance Services, LLC
- Address: 7816 Uplands Way, Ste C, Citrus Heights, CA 95610
- Phone: (916) 967-7715
- Hours: Monday–Friday, 9:00 a.m.–5:00 p.m. (Pacific)
- License: #0G22084
Prefer a form? Use our contact page. For certificate or additional-insured requests, put the GC/owner name, job address, and needed wording in the message so we can move faster.