Meritage Insurance Services Inc.

Personal Insurance

insurance tailored to fit your life

Looking for the best price? We can find the perfect combination of coverage and price to fit your unique needs. Contact us today at 916-455-7892 to get started.

Home Insurance

Homeowners insurance is designed to protect your primary residence against financial losses associated with theft, fire, and other covered perils.

Landlord Insurance

Landord Insurance is ideal for owners of non-commercial rental homes.  Providing some of the same benefits of homeowner’s policy, it’s primarily for property you own and rent to others.

Renter Insurance

Renter’s Insurance is a property insurance that provides coverage for a policyholder’s belongings, liabilities and possibly living expenses in case of a loss event.  It’s available to persons renting or subletting a single family home, apartment, duplex, condo, loft or townhome.

Auto Insurance

Auto insurance isn’t only great protection for your vehicle, it’s also the law in California.  All states require some degree of insurance for your vehicle to protect you and other motorists.  Coverage requirements will vary based on your financial responsibility for your car and your state’s requirements.

Motorcyle Insurance

Motocycle Insurance provides financial protection in the event of a motorcycle accident, loos, theft or damage.  Motorcycle insurance includes liability coverage in case you are responsible for another person’s injuries or property damage.  

Vacant Property Insurance

Your regular homeowners policy may not extend to a home that’s vacant.  Vacant home insurance policy is designed to cover homes that are vacant because they are in the process of being sold, undergo otherwise not being lived in on a full-time basis.  

Umbrella Insurance

Umbrella insurance provides extra liability insurance coverage that goes beyond the limits of your homeowners, auto, watercraft insurance when they are not enough to cover the cost of unexpected lawsuit or accident.  It may also provides payments for when others don’t have enough coverage. 

Flood Insurance

Flood insurance protects a home or other structure from damage caused by a flood.  Standard home and renters insurance policies do not cover flood damage, so you’ll need to buy a separate coverage.   Property owners, particularly those in high-risk flood areas, may be required by their lenders to have flood insurance.   

Earthquake Insurance

Earthquake insurance provides coverage for your home in the event that an earthquake causes damage to it.  This type of insurance is separate from standard homeowners or renters insurance.