- Auto InsuranceAll of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance in Citrus Heights, California, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.
- Truck InsuranceWe work with some of the top rated companies for your commercial truck insurance policy and tailor a package that meets your truck and trailer needs.
- Home InsuranceAt Horizon Valley Insurance Service Inc., we have the home insurance specialists that can tailor a specific package to your needs and risks. We have access to many top rated companies to find you the best fit at a fair price. We can quickly compare rates to ensure you don't have any gaps in coverage down the road.
- Condo InsuranceCondo Association insurance can help but it often is meant for the building itself rather than what's inside. This is where a condo insurance policy is different from a homeowners policy because you usually will just need to cover the valuables inside your condo.
- Life InsuranceA share of the earned surplus apportioned for distribution and reflective of the difference between the premium charged and the actual loss experience. In a mutual or participating company, it is the return to the policyholder out of the earnings of the company. In a stock or nonparticipating insurance company, it is the division of the profits among the stockholders of the company. A refund of part of the premium on a participating life insurance policy.
- Health InsuranceMedical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
- Business InsuranceBusiness, Commercial, General Liability, Work Comp and Business Insurance Services in Citrus Heights & Sacramento California - Horizon Valley Insurance Service Inc.
- Commercial Property InsuranceCommercial Property insurance covers the building that your business owns or rents. A California commercial property insurance policy would also cover equipment, computers, tools and furniture. Let the agents at Horizon Valley Insurance Service Inc. evaluate your commercial property insurance needs to find the best suite for your liabilities and risks.
- Workers Compensation InsuranceWork Comp, Workers Compensation Insurance and Benefits in Citrus Heights & Sacramento California - Horizon Valley Insurance Service Inc.
- Commercial Liability InsuranceCommercial Umbrella Insurance is intended to pick up where your General Liability, Commercial Auto or Employer's Liability policies leave off. So, your Commercial Liability policy won't "kick in" until your other policy limits have been reached. Not having enough coverage for your business in Citrus Heights, California and surrounding areas could leave your business vulnerable.
- Professional Liability InsuranceProfessional Liability Insurance or PLI is a form of liability insurance necessary to help protect businesses in the service or consultant industry. A claim of negligence can be very damaging to a growing business and if the claim results in monetary damages can be catastrophic.
- Builders Risk InsuranceA builders risk policy protects builders and contractors from losses to property and financially in the event of an incident. Losses may occur to the property or structure but may include the materials used on the job site. Our agency can help protect you in the event of a fire, flood or theft. You may also opt to have additional coverage in the event of losses due to project penalties or unexpected costs, like taxes.
- Restaurant InsuranceWe can service your restaurant insurance needs in Citrus Heights, California including the Fair Oaks, Orangevale, Rocklin, Roseville, and Sacramento areas.
- Liability InsuranceUmbrella insurance is there to protect you if you are liable for something big. Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies.
- Jewelry InsuranceThere may also be other coverages that you many want to consider in addition to your basic homeowners policy. These may include personal umbrella, automobile, flood, earthquake or jewelry insurance. Our agents at Horizon Valley Insurance Service Inc. can help you understand your other risks and help you evaluate whether you may need additional coverages in your California home insurance plan.
- Flood Insurance