Business Details
Your Trusted Insurance Partner in Northern California
Gaines Insurance Agency is a family-owned, independent insurance agency with over five decades of experience serving Northern California. Founded on the principles of integrity and personalized service by Robert Gaines in the 1950s, our agency continues to uphold these values under the leadership of Ted and Beth Gaines, both former elected officials who bring a deep commitment to excellence. Our team of licensed professionals provides tailored insurance solutions for both personal and business needs, representing top-tier carriers while maintaining a focus on accessible, client-centric service.With expertise in auto, home, life, commercial, and specialty insurance, we ensure clients receive comprehensive coverage aligned with their unique profiles. Our dedication to transparency, combined with 24/7 online quote availability and responsive support, distinguishes us from competitors. Headquartered in El Dorado Hills, we serve Roseville, Rocklin, and surrounding areas, offering free consultations to help clients protect their assets and loved ones.
Services
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
Boat Insurance
Renters Insurance
Earthquake Insurance
Flood Insurance
Umbrella Insurance
RV Insurance
Highlights and features
- We offer 50+ years of family-led insurance expertise.
- Our team provides personalized policy consultations and tailored coverage options.
- We represent top-tier insurance carriers for comprehensive solutions.
- Free online quotes available 24/7 with no hidden fees.
- Our office hours prioritize direct client-agent communication and support.
Associations and certifications
- California Department of Insurance
What people say
Exceptional customer service
Knowledgeable and patient agents
Tailored policy options
Reliable claims support
Long-term trust and value
Services
Auto Insurance
We provide comprehensive auto insurance policies covering primary vehicles, second cars, ATVs, RVs, and watercraft. Our plans include liability, collision, and uninsured motorist protection tailored to individual driving profiles. Clients benefit from competitive rates and personalized risk assessments to ensure adequate coverage for all vehicle types.
Home Insurance
Our homeowners insurance offers protection against fire, theft, and natural disasters like earthquakes and floods. Policies include dwelling coverage, personal property protection, and liability insurance for residences in Northern California. We specialize in customized plans for standard homes, condos, renters, and antique properties.
Business Insurance
We offer commercial auto, workers' compensation, liability, and surety bond policies for Northern California businesses. Our services include equipment protection, income loss coverage, and tailored risk management strategies for contractors, landlords, and small enterprises. Clients receive dedicated support for policy customization and claims processing.
Life Insurance
Our life insurance products provide financial protection for families and business partners through term and permanent policies. We assist clients in selecting coverage amounts aligned with their income, debts, and long-term goals. Policies can be integrated with estate planning and business succession strategies.
Umbrella Insurance
Umbrella policies offer additional liability coverage beyond standard auto or home insurance limits. We help clients protect assets against catastrophic losses from lawsuits or major accidents. This coverage extends to personal and property-related risks, providing peace of mind for high-value asset holders.
People
Ted Gaines
President
Senator Ted Gaines brings legislative expertise and community leadership to his role as President, ensuring regulatory compliance and strategic direction for the agency.
Beth Gaines
Vice President
Assemblywoman Beth Gaines oversees operations with a focus on client relations, leveraging her public service background to maintain high service standards.
Haley Andrews
Vice President
Haley Andrews manages client accounts with personalized attention, combining family tradition with modern insurance practices to meet evolving client needs.
Louise Balga
Commercial Lines Account Manager
Louise Balga specializes in commercial insurance solutions, providing tailored risk management strategies for Northern California businesses with over two decades of industry experience.
Janie Estep
Sales and Account Manager
Janie Estep assists clients in selecting optimal coverage options, combining technical knowledge with personalized service to address both personal and business insurance needs.
Questions
How can I get a free insurance quote?
Visit our website to complete an online questionnaire or download printable forms. We provide immediate responses and personalized coverage options.
What insurance services do you offer?
We provide auto, home, life, business, boat, RV, earthquake, flood, umbrella, and specialty insurance for individuals and commercial clients.
How do I file an insurance claim?
Contact your insurance carrier directly using the phone numbers listed on our website or reach out to us for assistance with the claims process.
Do you offer 24/7 policy support?
Online quote requests and policy information are available 24/7, while phone support operates during standard business hours Monday through Friday.
Are your insurance agents licensed?
Yes, our agency holds California Department of Insurance license #0H64864, and all agents maintain current industry certifications.
Can I request a certificate of insurance?
Submit your request through our website, and we'll provide both personal and organizational copies within one business day.
