Business Details
50+ Years
experience
Your Trusted Sacramento Insurance Partner Since 1946
Since 1946, Eugene C. Yates Insurance Agency has served as a family-owned Sacramento insurance broker dedicated to protecting local residents' assets. Our team of experienced professionals provides personalized attention to auto, home, business, and life insurance needs, leveraging over 75 years of industry expertise. We maintain strong relationships with top-rated insurers like Travelers, Safeco, and The Hartford while prioritizing direct client communication through modern tools like Docusign and RingCentral.Our A+ Better Business Bureau rating and 5-star online reviews reflect our commitment to competitive pricing, transparent policy explanations, and proactive client outreach. As third-generation insurance specialists, we combine traditional values with digital efficiency to deliver tailored coverage solutions that meet both regulatory requirements and individual client needs.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Commercial Insurance
Workers Compensation
Rental Property Insurance
Health Insurance
Commercial Vehicle Insurance
California FAIR Plan
Details
- Year established: 1946
Highlights and features
- Third-generation family-owned agency with 75+ years of local expertise
- Licensed agents serving Sacramento, Lodi, and Roseville offices
- Access to top-rated insurers including Travelers and The Hartford
- Proactive policy management with digital document processing
- A+ Better Business Bureau rating with verified 5-star reviews
Associations and certifications
- Better Business Bureau A+ Rating
- California Insurance License #0527074
What people say
Trusted insurance brokers
Competitive rates
Excellent service
Experienced agents
Customer-focused
Services
Auto Insurance
We provide comprehensive auto insurance coverage meeting California's mandatory requirements while protecting against accidents, theft, and property damage. Our agents compare policies from top-rated carriers to find competitive rates for personal and commercial vehicles. With access to insurers like Mercury and Safeco, we help drivers maintain continuous coverage that adapts to changing needs.
Home Insurance
Our home insurance policies protect Sacramento's largest investments against fire, natural disasters, and liability claims. We specialize in standard homeowners policies and California FAIR Plan alternatives for high-risk properties. Agents help clients understand coverage limits, deductibles, and additional protections for valuable possessions while ensuring compliance with mortgage requirements.
Business Insurance
We offer tailored business insurance packages covering property damage, liability, workers compensation, and professional errors. Our commercial clients benefit from partnerships with carriers like The Hartford and Travelers to create risk management strategies. Policies protect against financial losses from accidents, lawsuits, and operational disruptions while meeting industry-specific regulatory requirements.
Life Insurance
Our life insurance solutions provide financial security for families and business partners through term and permanent policies. Agents explain premium factors, coverage amounts, and policy riders to help clients choose appropriate protection. We work with major providers to offer competitive rates for individuals seeking income replacement, debt coverage, or estate planning solutions.
Commercial Property Insurance
This coverage protects commercial buildings and contents against fire, theft, and natural disasters. We help businesses determine appropriate coverage limits for structures, equipment, and inventory. Policies include business interruption protection to maintain cash flow during recovery periods, with options for specialized risks through admitted carriers.
People
Mike Yates
Owner
Third-generation insurance professional with 30+ years experience, leading the agency since 1990. Combines family legacy with modern practices, maintaining active California insurance license #0527074.
Questions
What types of insurance do you offer?
We provide auto, home, business, life, health, commercial property, workers compensation, and California FAIR Plan policies through multiple top-rated insurers.
How do you find competitive rates?
Our independent agency compares policies from 15+ carriers including Travelers, Safeco, and The Hartford to find optimal coverage-price combinations for each client.
Can you help with insurance claims?
Yes, our team assists with filing and tracking claims while maintaining communication with insurance companies to ensure timely resolution of property, auto, or business-related claims.
Do you serve areas outside Sacramento?
We cover clients in Lodi, Roseville, El Dorado, Placer, Yolo, and San Joaquin counties with local office locations for in-person assistance.
How are policies renewed?
We proactively contact clients before expiration to review coverage changes, compare updated quotes, and ensure continued protection at competitive rates.
What payment options exist?
Payment arrangements depend on selected insurers, with most carriers offering monthly, quarterly, or annual payment plans directly through their billing systems.
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Reviews (5)
George Lau
Jun 11, 2022
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Time flies for it has been over a decade of having all of my property coverages with Eugene Yates Insurance! In retrospect, I could vividly recall the frustrations of dealing with my previous insurance broker located in Los Angeles- my phone calls took forever to be returned, some of the coverages were totally unnecessary etc.! However, the employees at Yates are just awesome when it comes to professional services as well as responsiveness to my concerns or inquiries.
They have managed over the years to find the best coverages at the lowest price for my multiple insurance policies. I'm so impressed to date that I would gladly provide referrals to Yates Insurance even without any incentives being provided! My service dog Einstein is also currently insured! Special thanks to Leo especially along with Ashley and Lily with their outstanding assistance throughout the years!
They have managed over the years to find the best coverages at the lowest price for my multiple insurance policies. I'm so impressed to date that I would gladly provide referrals to Yates Insurance even without any incentives being provided! My service dog Einstein is also currently insured! Special thanks to Leo especially along with Ashley and Lily with their outstanding assistance throughout the years!
Nick Loris
May 21, 2022
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I've used Mike Yates for more than 18 yrs and have always had service up and above the industry standards. He has help numerus friends of mine and they too loved his service including quick call backs. I would highly using him for coverage that fits your circumstances and comfort level.
Claire Holt
Apr 17, 2022
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I could not be more happy with the customer service I received from them. Ashley was the agent who helped me and not only did she save me over $200 a month on my new policy, she also informed me of when I would qualify for the next discount and when we could reevaluate my policy for further savings. She was incredibly helpful. I have sent follow up questions since and always heard back the same day. If you're shopping for new insurance, Eugene C Yates Insurance are your guys!
Sarah Soller
Mar 27, 2022
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They were prompt, knowledgeable, and accurate with quotes. Even though I decided to stay with my current broker I Would highly recommend them to anyone looking for the best deal and value. Great service.
David Kuchinsky
Aug 27, 2021
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We bought our first home one year ago and had no experience in the world of home insurance. Luz and Eugene C Yates made the whole process so much easier by helping us navigate the different coverage options and helping us select the coverage that fit our individual needs. Luz was always super helpful and responsive and made sure that all my questions were answered. They made the whole experience easy and enjoyable.
They provide the personal touch that i really wanted. Luz even remembered specifics about my house and family that we talked about over a year earlier! I would highly recommend the Eugene C Yates Insurance Agency to anyone buying a home or looking to get a better fit of coverage. Thank you for an awesome, hassle-free experience.
They provide the personal touch that i really wanted. Luz even remembered specifics about my house and family that we talked about over a year earlier! I would highly recommend the Eugene C Yates Insurance Agency to anyone buying a home or looking to get a better fit of coverage. Thank you for an awesome, hassle-free experience.
