Gaines Insurance Agency Inc. in El Dorado Hills, CA

Learn about our insurance products

  • Car Insurance

    Get an auto insurance policy you can count on from Nationwide.

  • Home Insurance

    Protect your house and personal property by choosing the right insurance coverage from Nationwide.

  • Life Insurance

    Let us help you select life insurance coverage that meets your needs, your life and your budget.

  • Business Insurance

    Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

About Gaines Insurance Agency Inc.

Services

  • Auto
  • Commercial
  • Farm
  • Financial
  • Home
  • Powersports

Our Insurance Products

The Gaines Insurance Agency Inc. in El Dorado Hills, California provides the following products. To learn more about each insurance product, click on the links below.

  • Car Insurance

    Understanding the coverage you buy is important, but the language of underwriting can be a little difficult for those who are new to it. That's why Gaines Insurance Agency Inc. focuses on explaining auto insurance coverage in a common sense way that members in El Dorado Hills appreciate. That way, it's easier to enjoy your vehicle with the assurance you understand what is covered in the event of an accident.

    Auto policies tend to start with liability coverage, and the right amount can depend on the vehicle you drive, the state's requirements, and other factors. Once you have the liability package you need, collision coverage is there to help take care of any covered damage your vehicle takes in the event of an accident, and comprehensive packages are there to cover you in the event of an incident when the vehicle is not in motion. Gaines Insurance Agency Inc. works with Nationwide to provide drivers with a wide range of coverage choices. After you find the right coverage levels for your vehicle, we will apply discounts you may qualify for such as for safety equipment in the vehicle or your safe driving history.

    Finding out more about our policy options is easy. Our offices can be reached at (916) 773-8000, and agents are happy to take set appointments for in-person consultations at our office located at 5170 Golden Foothill Pkwy.

  • Home Insurance

    Owning a home can be exciting, but it also comes with additional responsibility. Making sure you are adequately protected against unplanned loss such as theft or natural disasters is an important part of being a home owner. Gaines Insurance Agency Inc. in El Dorado Hills has a variety of options to help protect your home and personal belongings in the aftermath of an unexpected incident. Some of the coverage types that we offer include replacement cost plus, sewer backup, Brand New Belongings®, Valuables Plus®, and personal liability. We understand that insurance needs vary from one person to another, so we will help you customize a plan to meet your specific situation.

    Understanding your policy is also important so that you know exactly what is covered. Along with figuring out the best protection for you, Gaines Insurance Agency Inc. will also go over your covered losses, deductible, coverage limits, and any other pertinent information. Our personal touch also continues once you are a member. We will walk you through the claims process if you ever need it and do what we can to help get your life back to normal as quickly as possible.

    Contact Gaines Insurance Agency Inc. to discuss your home insurance solutions as well as any money saving discounts that you may be qualified for. You can schedule an appointment for a complimentary consultation at our office, conveniently located at 5170 Golden Foothill Pkwy. You can also give us a call at (916) 773-8000 to speak with a qualified agent and either sign up for a policy over the phone or ask any questions you may have.

  • Life Insurance

    At Gaines Insurance Agency Inc., we want to make customers aware of how easy and affordable life insurance is. We know many people in El Dorado Hills think they cannot afford to have a good policy that protects their financial interests. That is why we work with Nationwide to provide customers with the diverse coverage options they need to sleep peacefully at night.

    Affordability is a major concern for most. In addition to choosing coverage based on what you can afford, you need to think about how you or your loved ones may need to use your policy proceeds. Maybe you’ll need to replace lost income or pay for long-term care expenses and your kids’ college education. These issues may not completely encompass your current concerns. However, keeping them in mind will help you discern the proper coverage level for your situation.

    There are circumstances where customers find it more beneficial for them to layer several term life insurance policies instead of purchasing whole life insurance to give them long-term financial security.

    By speaking with a life insurance agent who works with Nationwide, you can gain a better understanding of options that are ideal for your situation. The amount of coverage you need can help you meet your current and future financial goals.

    To better understand coverage options, we encourage you to contact Gaines Insurance Agency Inc. at (916) 773-8000 to arrange a time to meet in office at 5170 Golden Foothill Pkwy to discuss your needs. For additional convenience, our agents are ready to help you go over coverage options over the phone.


    LAW-0244AO (05/18)

  • Business Insurance

    Owning your own business can be exciting and challenging at the same time. Making sure that your assets are properly protected is an important part of being a responsible and successful business owner, and we at Gaines Insurance Agency Inc. in El Dorado Hills can help you determine the types of coverage that you need. We know that every company has its own risks, and we make it simple by offering coverage that is specific to each industry such as retail, professional, auto service, food and beverage, contracting, distributing, and specialized services. You can also add on additional solutions for your specific risk strategies.

    Some business owners choose our business owners policy (BOP), which is a convenient package that includes general liability coverage, property insurance, coverage against theft and fraud, income loss coverage due to an interruption, and more. If you choose this package, Gaines Insurance Agency Inc. will sit down with you and ask specific questions so that the coverage is customized to your business. We will also help figure out if you need any other options to fill in coverage gaps so that you are adequately protected.

    As your business grows, we will be there to make recommendations on your policy whether it is to add additional coverage, change your limits, or increase your umbrella amounts. We will also help in the event that you need to file a claim. We can be reached at (916) 773-8000 to answer any of your questions or to sign up for a policy. You can also stop into our office, conveniently located at 5170 Golden Foothill Pkwy, during business hours to speak with one of our agents in person.

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

The Gaines Insurance Agency Inc. also offers products in CA. Please call for information on products in those states.