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Insurance agencies · California
Insurance Agencies in Pilot Hill, CA
Local agencies in Pilot Hill for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Pilot Hill
El Dorado County has 192,662 residents in 76,185 households. We list 1 insurance agencies in Pilot Hill. Here is what the local numbers say about the cover people here need.
Pilot Hill at a glance
- 1insurance agencies listed
- 22.8%of households rentRenters insurance
- $679,900median home valueHome insurance
- 1983median year homes were builtRebuild cost calculator
- 3.6%of households have no carAuto insurance
- 5%of homes are mobile homesMobile home insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for El Dorado County (the Census does not publish Pilot Hill as a separate place). Agency count: our listings.
Natural hazard risk in El Dorado County
FEMA rates the overall natural hazard risk in El Dorado County, where most Pilot Hill agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:
- Wildfire
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in California - Winter weather
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
Questions
Insurance agencies in Pilot Hill
How do I find an insurance agency in Pilot Hill?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Pilot Hill?
FEMA's National Risk Index rates inland flooding risk in El Dorado County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Pilot Hill?
22.8% of households in El Dorado County rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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