Sacramento has 528,706 residents in 200,321 households. We list 11 agencies for commercial property insurance in Sacramento. Here is what the local numbers say about the cover people here need.

Sacramento at a glance

11commercial property insurance agencies listed
48.3%of households rentRenters insurance
$506,300median home valueHome insurance
1977median year homes were builtRebuild cost calculator
8.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Sacramento County

FEMA rates the overall natural hazard risk in Sacramento County, where most Sacramento agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Inland floodingRelatively High
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.
Flood insurance in California
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Sacramento How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies Sacramento agencies work with

Of the 11 Sacramento agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers7 agencies
Liberty Mutual6 agencies
Philadelphia Insurance5 agencies
Nationwide4 agencies
American Modern3 agencies
AmTrust3 agencies
Chubb (ACE)3 agencies
Employers3 agencies
Great American3 agencies
Liberty Mutual (Safeco)3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Sacramento agencies are

Sacramento agencies we list sit in 5 ZIP codes, mostly in Sacramento County.

958253 agencies
958152 agencies
958272 agencies
958342 agencies
958642 agencies

Questions

Commercial Property insurance in Sacramento

All insurance agencies in Sacramento · Commercial Property insurance across California

Where can I find commercial property insurance in Sacramento?

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.

What does commercial property insurance cover?

Covers your building, stock, equipment and fit-out.

Which insurance companies do Sacramento agencies work with?

Among the 11 Sacramento agencies whose appointments we hold, the companies they are most often appointed with are Travelers (7), Liberty Mutual (6), Philadelphia Insurance (5), Nationwide (4), American Modern (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Sacramento?

FEMA's National Risk Index rates inland flooding risk in Sacramento County as Relatively High 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.

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.

Nearby

Commercial Property insurance near Sacramento

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