Your Neighbors.
Your Insurance Agency.
We're an independent agency — which means we work for you, not any one insurance company. We shop the market to find you the right coverage at the right price.
What We Insure
From your home and car to your business, farm, and family — we cover what matters most to Placer County residents.
Auto Insurance
Personal vehicles, classic cars, motorcycles, and more.
Learn more →Home Insurance
Homeowners, renters, earthquake, flood, and wildfire coverage.
Learn more →Business Insurance
General liability, commercial property, workers' comp, and more.
Learn more →Life Insurance
Term, whole, and universal life policies to protect your family.
Learn more →Farm & Ranch
Horse property, livestock, farm equipment, and rural land coverage.
Learn more →Umbrella Insurance
Extra liability protection above and beyond your standard policies.
Learn more →Why Choose an Independent Agent?
Unlike agents who work for a single company, we represent you. That means we can compare coverage and rates across multiple insurance carriers — and recommend what's actually best for your situation.
- We shop multiple carriers to find you the best value
- Our loyalty is to you — not to any insurance company
- We advocate for you when you have a claim
- One agent who knows your full picture, not a stranger on a hotline
- As your life changes, we reassess your coverage
46 Carrier Partners & Counting
As an independent agency, we represent 46 top-rated insurers — so we find the right fit for you, not a one-size-fits-all policy.
Rooted in the Loomis Community
We're not just an insurance agency — we're your neighbors. We've been active members of the Loomis community for decades, giving back to the people and places that make this area special.
Supporting neighbors in need right here in our community.
Investing in the education of Loomis Basin's next generation.
Helping keep the heart of Loomis strong and connected.
Meet Your Agents
When you call Pilcher Insurance, you talk to one of us — not a call center.
John Pilcher
Founder & Agent
John founded Pilcher Insurance and has spent decades helping Placer County families and businesses find the right coverage. He knows the area, the risks, and the carriers.
Shantel Doyle
President & Agent
Shantel brings deep knowledge of personal and commercial lines to every client conversation. She's committed to finding coverage that actually fits your life.
Get Your Free Quote
Tell us a little about what you need and we'll be in touch within one business day. No pressure, no obligation.
- ✓ Response within one business day
- ✓ No spam, no pressure
- ✓ Real person, not a bot