We Support Sacramento Real Estate Agents Because Community Comes First

At Millsap Insurance, our commitment to Sacramento goes beyond policies and paperwork. We believe in building real connections—getting to know the people behind the transactions and understanding the unique nuances of the local market. Every neighborhood, every street, and every home comes with its own story, and we take the time to understand it so we can provide guidance that truly fits your clients’ needs.

We know that questions can arise at any moment, which is why we make ourselves available to meet in person or on the phone whenever you need insight or assistance. From explaining complex coverage details to helping navigate unusual situations, we’re here as a trusted partner every step of the way.

For Sacramento real estate agents who want a partner who understands their market and values community—Millsap Insurance is ready to help. Let’s make your transactions smoother and your clients’ experiences stronger, together.

Insurance Options We Provide

Homeowners Insurance

For Sacramento residents who occupy their own homes, a homeowners policy provides essential protection.

  • What it covers: Dwelling, personal belongings, liability, and additional living expenses after a covered loss.

  • Average cost: Around $1,237 annually for a $300,000 home—though rates vary with wildfire exposure.

  • Best for: Primary residences.

Landlord Insurance (Rental Property)

If you rent out your property, you’ll need landlord insurance—a specialized policy not covered under homeowners insurance.

  • What it covers: Dwelling, landlord liability, and loss of rental income if the property becomes uninhabitable.

  • Cost: Typically 25% more than a standard homeowners policy.

  • Best for: Single-family rental homes, apartments, and multifamily dwellings.

California FAIR Plan

For properties considered too high-risk for traditional carriers, the California FAIR Plan provides last-resort coverage.

  • What it covers: Basic fire protection.

  • Additional coverage: A “Difference in Conditions” policy can be added for theft, wind, and liability protection.

  • Best for: Homes and rentals in wildfire-prone or high-risk zones.

Why Work With Millsap Insurance?

As an independent insurance agency, Millsap Insurance isn’t tied to a single carrier. We shop multiple insurers to find you the best available coverage at a competitive price. Our Sacramento clients trust us to:

  • Navigate the changing California insurance market.

  • Match properties with carriers still writing policies in Sacramento.

  • Provide tailored solutions for both homeowners and real estate investors.

  • Simplify the FAIR Plan process when traditional coverage isn’t available.