Pilcher Insurance Agency is an independent agency with deep roots in this community. For over 30 years, we've helped families, farmers, and businesses find the right coverage — and gone to bat for them when they needed to use it.
Pilcher Insurance Agency was founded in 1993 by John Pilcher with a straightforward premise: people deserve an insurance agent who works for them, not for one insurance company. That idea has driven everything we've done since.
As an independent agency, we've never been tied to one carrier's product lineup or pricing. When you call us, we're shopping the market on your behalf — comparing rates and coverage across more than 40 top-rated insurance companies to find what's genuinely right for your situation.
The insurance world has changed enormously since 1993, especially here in California. Wildfire risk has reshaped the homeowners market. Major carriers have entered and retreated from the state. Technology has transformed how policies are written and claims are handled. Through all of it, our approach hasn't changed: honest advice, real advocacy, and the personal service of an agent who actually knows you.
"People deserve an insurance agent who works for them — not for the insurance company."
— John Pilcher, FounderJohn Pilcher starts the agency with a focus on personal service and honest, independent advice.
Now serving Loomis, Rocklin, Auburn, Granite Bay, Penryn, Newcastle, and the broader Placer County area with 40+ carriers.
We're a small, dedicated team. When you call Pilcher Insurance, you'll talk to someone who knows your policy — and your name.
John founded Pilcher Insurance in 1993 and has spent over three decades building relationships throughout Placer County. His deep familiarity with the region — from foothill ranch properties to growing suburban communities — makes him an invaluable resource for clients navigating complex coverage situations.
Shantel brings energy, precision, and genuine care for clients to everything she does at Pilcher Insurance. She handles a wide range of personal and commercial lines and is especially well-versed in helping clients navigate California's increasingly complex homeowners and wildfire insurance landscape.
Four principles have guided Pilcher Insurance since day one.
As an independent agency, we represent you — not any single insurance company. Our recommendations are based on what's right for your situation, full stop. No commission pressure, no carrier quotas to hit.
No hold queues, no automated phone trees. When something changes in your life, you call us and we handle it. When you have a claim, we advocate for you with the carrier — not the other way around.
We'd rather find you something that holds up when you need it than something that looks good until a claim. The cheapest policy isn't always the best policy — we'll tell you the difference.
We live and work in Placer County. We're not a national brand with a local phone number — we're genuine neighbors who've been here for over 30 years and are committed to staying.
Get a free quote or just call us to talk through what you need.
