Insurance Services

Regina M. Grohe, Agent

CA License 0K71216

Protect Home

Comprehensive homeowners insurance tailored to your property, budget, and risks, so one unexpected event never defines you

Services

Coverage

Protect your house, detached structures, and personal property from common risks including fire, theft, vandalism, storms, and more, with policy options customized to your home’s age, location, and unique coverage needs

Discounts

Lower your premium with available savings for monitored security systems, new roofs, claims‑free history, smoke detectors, and more, all clearly explained so you understand exactly how to maximize every discount

Claims

When damage happens, a dedicated claims team responds quickly, coordinates inspections and repairs, and keeps you updated at every step, so you can focus on getting life at home back to normal

About

Local experts in homeowners protection

We specialize exclusively in homeowners insurance, taking time to understand how you live, what you own, and the risks you face, then building a policy that balances strong protection with a price that fits your budget

Meet us
A well-maintained suburban single-family home with light gray siding, dark charcoal roof shingles, and neatly trimmed hedges framing the front walkway. In the foreground, a sturdy steel mailbox with a discreet homeowners insurance logo sits beside a clean concrete driveway. Soft late-afternoon sunlight casts gentle shadows across the façade, highlighting the solid construction and new double-pane windows. The sky is clear, pale blue, suggesting stable, calm weather. Photographic realism at eye-level, with a slight wide-angle perspective to capture the entire property in sharp focus. The mood is secure, professional, and welcoming, reflecting reliable protection and peace of mind under a comprehensive homeowners insurance policy, with a clean and modern aesthetic suitable for a professional insurance website.

Testimonials

Lori & Tony

Our agent patiently explained every coverage option and deductible, making it simple to switch and still improve our protection on the house

Margie.

Filing a claim after storm damage was surprisingly easy; photos, a quick inspection, and our roof repairs were approved fast

Darin

They helped us right-size our coverage when we renovated, so our increased home value and new finishes are fully protected

Rod K

I appreciate having one local contact who answers questions quickly, reviews my policy annually, and makes sure I am never underinsured

Policy Options

An open binder of homeowners insurance documents resting on a smooth, dark wood desk in a bright, modern home office. The papers show clearly labeled sections like “Dwelling Coverage,” “Personal Property,” and “Liability,” with a small illustration of a house icon at the top. Beside the binder, a brushed metal pen and a slim laptop sit neatly aligned. Soft, diffused daylight filters through a nearby window, creating a calm, professional ambiance with gentle reflections on the desk surface. Shot from a slightly elevated angle in photographic realism, the composition uses the rule of thirds to balance the binder and surrounding objects. The scene feels organized, trustworthy, and detail-oriented, symbolizing clear, dependable homeowners insurance services and the promise of “creating one satisfied customer at a time.”

DIC with Cal Fair Plan

Comprehensive homeowners coverage

Essential protection for your home, belongings, personal liability and, Fire Protection Coverage

A cozy, well-appointed living room interior showcasing the valuables protected by homeowners insurance: a solid oak media console, a large flat-screen television, a decorative bookshelf with carefully arranged hardcover books, and a plush, neutral-toned area rug over dark hardwood floors. A small, wall-mounted home safe with a digital keypad is partially visible near the corner, subtly emphasizing security. Warm, indirect afternoon light pours through sheer curtains, creating soft highlights on the furniture and a gentle glow in the room. Photographic realism with an eye-level composition and shallow depth of field keeps the focus on the protected belongings while the background fades into a soft bokeh. The mood is comfortable, secure, and quietly luxurious, underscoring the reassurance of comprehensive homeowners insurance coverage.

Stand-alone policy

New carrier starting in California on June 1, 2026

All-in-one policy that replaces the difference in conditions and fire policy giving homeowners another option

Get quote

Share details about your home and current coverage, and we’ll respond with personalized homeowners insurance options and pricing comparisons

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Contact us

Citrus Heights, CA 95621

Hours

Mon–Fri 9–5

Phone

(530) 278-3097