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Gaines Insurance Agency, Inc.

Insurance Roseville
Auto Commercial Health Life Insurance Roseville CA

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2260 Lava Ridge Court Map
Suite #101
Route Roseville, CA   95661  
2260 Lava Ridge Court, Roseville, CA 95661
(916) 773-8000
Open today
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Gaines Insurance is an independent, family-owned, full service boutique insurance agency. Located in Roseville, California, near Sacramento; providing service throughout Northern California. Clients benefit from the Gaines family’s 50+ years experience in the insurance industry. FREE Quotes are available Online 24/7 ( with Gaines Insurance Agency, Inc., your Friendly Local Independent Insurance Company serving Roseville, CA and the Greater Sacramento Valley. Call (916) 773-8000 for a Quote Today!

Gaines Insurance Agency, Inc. can be found at 2260 Lava Ridge Court . The following is offered: Insurance, Car Insurance, Life Insurance, Home Insurance, Health Insurance . In Roseville there are 154 other Insurance. An overview can be found here.


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Products And Services

  • Auto Insurance

    The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs. How much auto insurance is right for you? Our team of insurance professionals understands the California car insurance needs of our customers.

  • Antique Car Insurance

    Modern Insurance for Your Classic Car: It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years. Not all classic or antique cars are used the same, so Gaines Insurance will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Here are some features you should look for when shopping for classic car insurance in California: Agreed Value - This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies. Low Rates - Why pay full-time insurance when you drive your collector car only part-time? Coverage Options - Not all collector cars are the same, so we can work with you to determine the right amount of coverage to meet your specific needs. Generous Mileage - You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value. Roadside Assistance - Whether you're down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility. Do you need insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk with us today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs.

  • Home Insurance

    Your home is the center of your daily life, and likely your most valuable asset. Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Gaines Insurance can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing. Roseville, Sacramento, and California Homeowners Insurance: Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. Homeowner insurance policies differ by which losses are covered, which coverage you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price. Your home insurance policy is most often made up of the specific options you choose. How much you'll pay for your policy depends on: Options you select - Often homeowner insurance options are priced individually, so how much you'll pay for your policy depends on what coverage you buy. How much you want to cover - Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss. Where you set your limits - You may choose to set higher limits than the recommended amount if appropriate to your situation and needs. Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage. The Right Coverage. The Right Price. The Right Value. The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect. Protection for Your Home Property or Dwelling Coverage: typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm. Personal Liability Coverage: Applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. Medical Coverage This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household. Additional Living Expenses If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt. Protection for Your Belongings Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss. Scheduled Personal Property Coverage If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items. If You Rent Out Your Home Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Protect the Things that Matter to You Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part. Every home is unique. Talk to us today to find out how to get the best price and value on home insurance for you.

  • Flood Insurance

    Since standard home insurance doesn't cover flooding, it's important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S. In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. Find out more about the NFIP and how it can help you protect yourself. Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy. The two most common reimbursement methods for flood claims are: Replacement Cost Value (RCV) and Actual Cash Value (ACV). RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the buildings replacement cost. All other buildings and personal property (i.e. contents) are valued at ACV, which is the RCV at the time of loss, minus physical depreciation. Personal property is always valued using ACV.

  • Life Insurance

    Life Insurance Can Be Quick And Easy If you have not looked at life insurance rates in the past few years, chances are you are paying too much. Contact us for a free quote today. Why Get Life Insurance? Life insurance is an important precaution to consider for you and your family's financial future. Take action with our ability to offer you a free life insurance online quote. We encourage you to speak with our friendly staff to explore what options life insurance can provide for your future. Making an informed decision can help identify your specific needs for life insurance. There are various ways life insurance may benefit you and your circumstances. The staff at Gaines Insurance is determined to find the right coverage for you and your future. Planning ahead for yourself and for your family ensures the financial future of the ones you love. If you support family members or have any kind of financial debt you do not want to pass on to them, you should have life insurance. Married couples with or without children should have affordable life insurance in place to protect what you have today and to care for your loved ones in the future. An affordable life insurance policy can continue to support your family in the way you care for them today. Let Gaines Insurance help you support your family’s future and preserve the quality of life that you have already provided. What is Adequate Coverage When it comes to Life Insurance? There some common rules of thumb when it comes to determining how much life insurance you need. One is taking your annual earnings and multiplying them six to ten times. For example, if your annual salary were $50,000, this approach would indicate that the amount of life insurance you need is between $300,000 and $500,000. *Please note that these numbers will vary between individuals based on age, ages of the children, amount of debt, or estate tax upon your death, etc. Please contact us for questions about a policy that is right for you. Whole Life Insurance Deciding what best fits your life insurance needs can be confusing. Understanding the options that Gaines Insurance can offer you is one way to clarify what coverage will fit your specific needs. A Whole life insurance policy delivers lifelong protection. It covers you for as long as you live and makes the continuous timely premium payments. Whole life insurance builds cash value, which is a return on a portion of your premiums that the life insurance company invests. With level premiums and the accumulation of cash values, whole life insurance is a good choice for long-range goals. The guaranteed cash values can provide money later on to help with temporary needs or emergencies. Term Life Insurance Term life insurance provides coverage for a specific point in time. If you don't intend to keep your life insurance policy for the long term, usually 15 years or longer, Term life insurance may be the better life insurance option for you. Need Advice? Please contact us; our staff at Gaines Insurance is committed to satisfy all your Life Insurance needs.

  • RV Insurance

    RV insurance can protect your motor home, travel trailer, camper and even your horse trailer. Let Gaines Insurance help you select the right coverage for your RV needs and get a great price at the same time. You can even request a quote online and we'll get back to you with quotes from multiple companies so you can compare and save! California Recreational Vehicle Insurance: Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state. You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include: Stated Value - market value/actual cash value of the RV Agreed Value – the insured amount, regardless of the current market value Replacement Cost – replace your insured RV with a new RV that is most like it Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico. Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected. Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed. Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road. Other additional coverage can include: accident forgiveness, pet coverage, diminishing deductible, and more. Discounts can lower your premium. Ask if you qualify for safe driver discounts, original owner discounts, package discounts and more. You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars, and boats.

  • Boat & Watercraft Insurance

    Gaines Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment. Do you know what to look for in a watercraft insurance policy? Gaines Insurance can help you determine the right amount of coverage to meet your specific needs. Contact us today to get started. Here are some items you’ll need to consider when shopping for California boat insurance. Navigational Area: Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, coverage for additional areas can be purchased. Agreed Value Coverage: Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible. Liability: Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault. Medical Payments: Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault. Physical Damage Coverage: Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged. Uninsured/Underinsured Watercraft Bodily Injury: Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident. Fuel Spill Liability and Wreckage Removal: Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive. Personal Effects: Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what's required in California. Personal effects coverage does not include jewelry, watches or furs. Unattached Equipment Coverage: This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc. Emergency Assistance: The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water. Every need is unique – contact us today to find out how to get the best boat insurance coverage for you.

  • Motorcycle Insurance

    Gaines Insurance offers a full spectrum of insurance options for every type of motorcycle, from street cycles, Harley Davidsons, cruisers and touring bikes, to dirt bikes and ATVs. About Motorcycle Insurance: Your motorcycle insurance policy can include any or all of the options below. Call us today to discuss what coverage is best for you. Custom Parts and Equipment: If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment. Roadside Assistance: Your motorcycle insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown. Liability Coverage: You can pick the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Gaines Insurance works with multiple insurance companies so we can provide you with multiple motorcycle insurance coverage options at rates you can afford. Medical Coverage: This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident. Uninsured/Underinsured Motorist Coverage: This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. You’ll also be covered if you are hit as a pedestrian. You May Qualify for Discounts: One of the great advantages of having your motorcycle coverage through a major insurance company like the ones we represent, is that you may save money by having more than one policy with us. We’ll help calculate how much money you can save. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation. Call us today to start saving!

  • Renters Insurance

    You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let Gaines Insurance help you find coverage options that protect you, your family, and your personal property. Let us help make sure you’re properly covered. What You Need to Know: Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation. Protect Yourself and Your Guests: Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs. The Right Coverage. The Right Price: Whether you’re starting out, between homes, or downsizing, we'll help you pick the California renters insurance coverage that best fits your needs. Be sure to ask about available discounts including burglar alarm credits and account credits for customers who package their auto and/or umbrella policies with their renters insurance policy.

  • Umbrella Insurance

    To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy. What’s Peace of Mind Worth to You? An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered. Do You Have Enough Liability Insurance? Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings. Liability Insurance Starts When the Others Stop Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Gaines Insurance to determine the right amount of coverage for your needs. Broad Coverages An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid. The right coverage for you is unique. Talk to us today to find out how to protect yourself, your family, and your future with the right personal umbrella insurance for you.

  • Condo Insurance

    Condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement. Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss. Let Gaines Insurance help you find the right amount of coverage to suit your condo insurance needs. Condo Insurance: Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss. If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy. Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. We can help you determine your coverage needs to make sure you’re properly covered. Protect Yourself and Your Guests: Your condo insurance policy protects you and your family members against bodily injury, property damage, liability claims and any litigation that may result subject to the limits you select. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Extra Coverage Doesn’t Have to Cost a Lot: Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles which provides broader coverage and no deductible in the event of a covered loss. Contact us to identify the best combination of coverage, value, and price for you. We can help make sure your condo insurance continually meets your needs.

  • Off Road Vehicle Insurance

    Do You Need Insurance for Your Off-Road Vehicle? Most specialized vehicles aren’t covered under your standard auto or home insurance policy, especially when you aren’t on your own property. Good Coverage. Great Times Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies. Let us help make sure you’re covered when you hit the trail. Talk to us today to find out how to get the best price and value on the California motor sports insurance that’s right for you.


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Insurance , Car Insurance , Life Insurance , Home Insurance , Health Insurance
(916)773-8000 (916)-773-8000 +19167738000