B.A. Lazaro is an independent insurance agency based in Sacramento, offering personalized auto, home, business, and other insurance solutions.
Our office is located in Carmichael / Sacramento, California.
We were founded in 2016, and have prioritized customer service ever since.
We offer auto, home, business, fire, flood, and theft insurance policies, among others.
You can use the “Auto or Home Quote” or “Business Quote” features on our site or call us directly for a custom quote.
As an independent agency, we work with multiple insurers to find the best coverage and rates for you—not limited to one carrier.
While our base is in California, as an independent agency we may help with policies and carriers covering broader regions.
Home insurance protects your dwelling and personal belongings from covered perils like fire, wind, theft, or vandalism.
Business insurance protects your commercial property, liability risks, and operations from covered losses and exposures.
Auto insurance covers vehicular liability, collision, comprehensive, medical payments, and other relevant coverages.
Yes — flood damage is among the specialty coverages we can arrange for clients in risk zones.
Yes — fire coverage is one of the property protections we can include in home or business policies.
Theft insurance provides protection when property or possessions are stolen or unlawfully taken.
Yes — combining auto, home, or business policies may yield discounts and simplify your insurance management.
Premiums depend on your risk profile — location, claims history, property value, vehicle, credit (if applicable), and coverage choices.
The deductible is the amount you pay out-of-pocket before your insurer covers the remaining cost on a claim.
Contact us or your insurance carrier, submit required documents, and we’ll assist you step by step with the claims process.
Liability coverage pays for injuries or damages you’re legally responsible for, e.g., bodily injury or property damage to others.
Comprehensive auto coverage handles non-collision events like theft, fire, vandalism, or weather damage.
Collision coverage pays for damage to your vehicle resulting from accidents with another vehicle or object.
Yes — we help evaluate your exposures (home, vehicle, business) and recommend coverage to mitigate risks.
A rider or endorsement is an addendum to a base policy that adds or modifies coverage.
Exclusions are specific perils, conditions, or situations the policy explicitly does not cover.
Yes — many policies allow adjustments, additions, or reductions during your policy period, depending on insurer rules.
Yes — we aim to find competitive pricing and applicable discounts (e.g., bundling or safety features) for clients.
Typically a grace period applies. If you don’t pay, your coverage may lapse; we can help with reinstatement in many cases.
Possibly — claims history is a factor insurers use in pricing, which may lead to higher premiums at renewal.
Some policies impose cancellation fees; we’ll disclose all terms and fees before initiating cancellation.
Many policies can take effect immediately or within one business day, once underwriting and payments are processed.
A binder is a temporary insurance agreement that provides coverage until the formal policy is issued.
Underwriting is the process insurers use to evaluate risk, set premiums, and establish eligibility and coverage terms.
Reinsurance is insurance purchased by insurers to protect themselves from large losses; not directly relevant to you but part of the insurance ecosystem.
Insured value is the amount your policy covers — either replacement or actual cash value, depending on policy terms.
ACV pays you the current market value of property at time of loss, after removing depreciation.
RCV covers the cost to replace damaged property without deducting depreciation, up to policy limits.
Yes — we can provide property and liability coverage for rental homes, multi-unit buildings, or landlord insurance.
It covers lost income and certain expenses if your business must pause due to a covered event like fire or disaster.
An umbrella policy offers excess liability protection above standard policy limits, giving extra coverage margins.
Review annually or after major life changes (move, renovation, business growth) to ensure coverage stays appropriate.
Visit our website for quotes, call us at our contact number, or schedule a consultation — we’ll guide you from there.
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