Business Details
Your Trusted Insurance Partner in El Dorado Hills
Gaines Insurance Agency is a family-owned, independent insurance agency serving Northern California since the 1950s. Founded by Robert Gaines, our legacy of integrity and personalized service continues under the leadership of Ted and Beth Gaines, both former elected officials in California's State Senate and Assembly. With over 50 years of combined industry experience, our team delivers tailored insurance solutions for both personal and business needs. We prioritize understanding each client's unique requirements to provide comprehensive coverage options. Our commitment to exceptional customer service is demonstrated through our knowledgeable team, including third-generation insurance professional Haley Andrews.We maintain strong relationships with top-tier insurance carriers to ensure competitive pricing and reliable protection. Our office in El Dorado Hills serves Roseville, Rocklin, and surrounding areas with in-person and 24/7 online quote services. Clients benefit from our expertise in auto, home, life, and specialty insurance products, including coverage for recreational vehicles and watercraft. Our agency's reputation for responsive claims support and personalized policy management has earned us long-term client relationships. We remain dedicated to maintaining the high standards established by our founding family while embracing modern insurance technologies.
Services
Auto Insurance
Home Insurance
Life Insurance
Commercial Insurance
Flood Insurance
Earthquake Insurance
Umbrella Insurance
Boat Insurance
Renters Insurance
Condo Insurance
Highlights and features
- Family-owned agency with 50+ years of local insurance experience
- Independent agents representing multiple top-rated insurance carriers
- Specialized coverage options for unique assets like RVs and watercraft
- Third-generation insurance professionals maintaining family legacy
- 24/7 online quote system with personalized policy review available
Associations and certifications
- California Department of Insurance
What people say
Exceptional customer service
Affordable price
Consistent service
Personable and effective
Reliable and comfortable
Services
Auto Insurance
Comprehensive auto insurance solutions for primary vehicles, second cars, ATVs, RVs, and watercraft. Our policies include liability, collision, and comprehensive coverage options with flexible payment plans. Clients receive personalized policy reviews to ensure adequate protection for all their motor vehicles.
Home Insurance
Customizable homeowners insurance covering dwellings, personal property, and liability protection. We offer specialized coverage for antique cars, rental properties, and high-value assets. Our policies include protection against fire, theft, and natural disasters with optional flood and earthquake endorsements.
Commercial Insurance
Tailored business insurance packages including workers' compensation, liability, and commercial auto policies. We serve contractors, landlords, and small businesses with surety bonds and equipment protection. Our agents help businesses assess risk and implement comprehensive insurance strategies.
Life Insurance
Life insurance solutions providing financial security for families and business partners. We offer term and permanent life policies with flexible premium options. Our agents help clients determine appropriate coverage amounts based on individual financial goals and family needs.
Umbrella Insurance
Additional liability coverage beyond standard policy limits. Our umbrella policies protect against catastrophic losses with coverage for legal expenses and settlement costs. This supplemental insurance is available for both personal and business policyholders.
People
Ted Gaines
President
California State Senator Ted Gaines brings legislative leadership experience to our insurance agency. With over 20 years in public service, he ensures our clients receive policy solutions that combine regulatory expertise with personalized service.
Beth Gaines
Vice President
Former California State Assemblywoman Beth Gaines contributes policy analysis expertise to our insurance operations. Her public service background enhances our ability to navigate complex insurance regulations and client needs.
Haley Andrews
Vice President
Third-generation insurance professional Haley Andrews specializes in personal lines insurance. With 15 years of experience, she maintains the family tradition of personalized service while implementing modern insurance technologies.
Louise Balga
Commercial Lines Account Manager
Commercial insurance expert Louise Balga manages business policy accounts with 25 years of industry experience. She specializes in creating customized commercial insurance packages for contractors and small business owners.
Janie Estep
Sales and Account Manager
Insurance professional Janie Estep provides personalized policy recommendations with 18 years of client service experience. She specializes in connecting clients with appropriate coverage options through our multiple carrier partnerships.
Questions
What insurance products do you offer?
We provide auto, home, life, boat, RV, flood, earthquake, and umbrella insurance for individuals, plus commercial policies for businesses including workers' compensation and liability coverage.
Do you serve areas outside Roseville?
While based in El Dorado Hills, we serve all of Northern California including Rocklin, Sacramento Valley, and surrounding regions with both in-person and online services.
Can I get insurance for specialty vehicles?
Yes, we offer coverage for ATVs, RVs, motorcycles, antique cars, and watercraft through specialized insurance programs with our carrier partners.
How quickly can I get a quote?
Request instant online quotes 24/7 or contact us during business hours for personalized policy reviews with no additional fees.
What if I need insurance documentation urgently?
We provide certificate of insurance documentation promptly upon request with options to send copies directly to third parties as needed.
Do you offer business insurance for contractors?
Yes, we specialize in contractor insurance packages including surety bonds, equipment coverage, and liability protection tailored to construction industry needs.
