The top-rated disability insurance agent in El Dorado Hills, California is Sierra Mountain Insurance Agency / Sohil Yusuf Agency : Allstate Insurance, rated 4.7 stars across 105 reviews. Other highly rated options include Jeremy Barkhurst - State Farm Insurance Agent, Kinkaid Insurance Services, Gold Insurance Solutions. This directory lists 19 disability insurance agents serving El Dorado Hills.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sierra Mountain Insurance Agency / Sohil Yusuf Agency : Allstate Insurance | 4659 Golden Foothill Pkwy Ste 106 | (916) 939-8990 |
| 2 | Jeremy Barkhurst - State Farm Insurance Agent | 989 Governor Dr Ste 104 | (916) 294-7482 |
| 3 | Kinkaid Insurance Services | 5170 Golden Foothill Pkwy | (530) 672-1979 |
| 4 | Gold Insurance Solutions | 3905 Park Dr #110 | (916) 235-3638 |
| 5 | Shaun Morrison - State Farm Insurance Agent | 4944 Windplay Dr Unit 225 | (530) 350-7757 |
| 6 | Melinda Marshall Insurance Solutions | 1101 Investment Blvd Suite 170 | (916) 458-1905 |
| 7 | Suburban Family Insurance Agency | 895 Embarcadero Dr Suite 206 | (916) 804-7848 |
| 8 | Golden Sierra Insurance Services, LLC | 1020 Suncast Ln Ste 101 | (916) 936-2230 |
| 9 | Barragan Insurance Agency | 1132 Suncast Ln #8 | (916) 984-9320 |
| 10 | Bristol Insurance Agency | 1011 St Andrews Dr | (209) 968-4727 |
Sierra Mountain Insurance Agency, also known as the Sohil Yusuf Agency of Allstate Insurance, serves the El Dorado Hills area and surrounding communities in El Dorado County. As a disability insurance agent, it helps clients secure income protection policies that provide financial stability during periods of illness or injury. The agency also assists with coverage options that replace lost wages when a disability prevents work and guides clients through the application process for long-term disability benefits.
Jeremy Barkhurst, operating as a State Farm Insurance Agent in El Dorado Hills, CA, provides a range of disability insurance services designed to help protect clients' income in the event of illness or injury. The agency typically offers consultation to evaluate individual coverage needs and can assist with policy oversight and claims support over time. These services are available to single-family homeowners, apartment dwellers, retail business operators, and restaurant owners.
Kinkaid Insurance Services in El Dorado Hills, California helps homeowners, business owners, and self-employed professionals find disability income protection. The agency works with clients to explain policy options that replace lost wages during illness or injury. Coverage can also benefit high-income earners and medical practitioners who need to secure their financial future. The firm serves the surrounding Sacramento metropolitan area, including the neighboring community of Folsom.
Gold Insurance Solutions serves the El Dorado Hills area and its surrounding Sacramento Valley communities, offering disability insurance guidance for local residents and professionals. It assists individuals in understanding how an illness or injury could impact their income and helps them explore policies that provide monthly replacement funds. The agent typically works with each client to evaluate personal coverage needs, then shops among multiple carriers to present suitable options tailored to that specific financial situation.
Shaun Morrison, a State Farm Insurance Agent in El Dorado Hills, California, can help clients weigh the choice between a single, one-time disability policy purchase and an ongoing service plan that includes periodic policy reviews. The firm provides coverage options designed to protect income if illness or injury prevents work. Services run on an as-needed basis, allowing clients to request consultations when life changes or new coverage questions arise.
Based in El Dorado Hills, California, Melinda Marshall Insurance Solutions specializes in disability insurance coverage for medical professionals and small business owners. Its general practice helps local residents secure income protection for accidents and illnesses, advising on both short-term and long-term policy options. The agent focuses on streamlining the application process for clients. As the busy holiday season approaches and physical activities increase, the agency regularly assists individuals with claims for injuries sustained from winter sports or home maintenance falls.
In the winter months, many residents of El Dorado Hills consider whether their current coverage fully protects their income from an unexpected illness or injury. Suburban Family Insurance Agency helps local workers evaluate their financial safeguards by explaining the role disability insurance plays in long-term security. Their agents clarify policy terms, waiting periods, and benefit durations in plain language. An initial consultation typically begins with a review of an individual’s existing benefits to identify potential gaps that a new policy might address.
Golden Sierra Insurance Services, LLC, based in El Dorado Hills, CA, provides financial protection through policies covering lost income from illness or injury. As a dedicated disability insurance agent, the company specializes in designing individual and group coverage plans to help safeguard earnings during recovery periods. Such policies may be essential for businesses managing payroll continuity. The agency serves a variety of commercial sectors including professional offices, industrial warehouses, and food service operations throughout the region.
Bristol Insurance Agency in El Dorado Hills, CA, serves residents with disability insurance to protect their income if illness or injury prevents work. The agency also assists local business owners with commercial disability coverage for their employees. Service throughout El Dorado Hills and the surrounding region is available from this agent. After establishing initial policies, they provide ongoing support during planning reviews and claims assistance, often handling follow-up service between regular visits to ensure clients remain protected.
What Does a a Disability Insurance Agent in El Dorado Hills Cost?
The cost of disability insurance in California typically ranges from 1% to 3% of your annual income. For example, a 40-year-old earning $100,000 per year might pay between $1,000 and $3,000 annually for a policy. Premiums depend on age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in El Dorado Hills
Disability insurance agents in El Dorado Hills help individuals and business owners secure income protection. California law requires employers to provide State Disability Insurance (SDI) for many workers, but private policies offer additional coverage. Local agents can guide you through policy options and claims processes specific to El Dorado County.
Frequently Asked Questions
What does a disability insurance agent in El Dorado Hills do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms, exclusions, and waiting periods. They also assist with filing claims and understanding California SDI rules.
Is disability insurance required in California?
California does not require individuals to buy private disability insurance. However, most employees are covered by the state-run SDI program, which provides partial wage replacement. A private agent can help you supplement SDI with additional coverage.
How long do I have to file a disability claim in California?
For private disability insurance, you should file a claim as soon as possible after becoming disabled. California law generally allows up to 90 days from the date of disability to submit a claim, though policy terms may vary. Check your specific policy for exact deadlines.
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