Personal Insurance

From your home and vehicles to the assets you've worked hard to build, WSR helps you put the right personal insurance coverage in place.

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Home Insurance

Premium insurance for your home, condo,
or apartment.
  • Homeowners
  • Renters
  • Rental Property
  • Personal Articles
  • Flood
  • Earthquake
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Auto Insurance

Coverage for all your vehicles.
  • Car
  • Boat
  • Motorcycle
  • RV
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Personal Umbrella Liability

Additional liability protection when your underlying limits aren't enough.
Who should consider umbrella insurance?

Umbrella Insurance may be worth looking into if you own a home, have significant assets, multiple vehicles, rent property, have teenage drivers, frequently host guests, or have recreational vehicles/boats.

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Why choose WSR Insurance?

Independent Expertise

As a fully independent agency, we offer unbiased advice and tailored solutions without the constraints of corporate interests. Your needs drive our recommendations.

Community Focus

We prioritize our local community, treating our clients like neighbors and friends. Our commitment to your success means we’re invested in helping you thrive.

Collaborative Approach

Our team-oriented management style ensures that every member contributes to your experience. This collaboration leads to personalized service and comprehensive support for all your insurance needs.

Integrity and Trust

With a foundation built on integrity and honest hard work, you can trust us to act in your best interest. Our industry expertise empowers us to provide you with reliable guidance and effective risk management.

What people say about WSR insurance

At WSR Insurance, our clients are at the heart of everything we do. We pride ourselves on providing exceptional service and tailored solutions to meet your unique needs. In this section, you’ll find genuine feedback from our valued customers, sharing their experiences and insights. We invite you to read their reviews and see why so many trust us for their insurance needs.

about us

Michelle Connor

profound recovery solutions

I am thrilled to share my experience working with Wraith, Scarlett & Randolph (W.S.R.) From the very beginning, their professionalism and commitment to excellence stood out. W.S.R.’s ability to communicate effectively makes a significant difference. One of the highlights is the attention to detail and passion for their work resulting in meeting deadlines on a consistent basis. I wholeheartedly recommend W.S.R. to anyone looking for benefits, insurance, etc. They not only deliver results but also make the continuing process enjoyable and stress-free.

Kimberly Baertsch

Valley Hydraulics & Machine, Inc.

When the decision was made to find a local insurance agent for the needs of our Yolo County business, we turned to Wraith Scarlett & Randolph Insurance. They were particularly diligent in their determination of coverages and classifications across the policies we require and were able to provide us with very competitive rates. The team at WSR is efficient, responsive and knowledgeable, providing a professional experience with hometown ease.

Matt & Sara Stayer

Stayer Quality Queens

Making a living in an industry that is completely dependent on weather, we knew we needed to find someone to help us manage our risk. Choosing to work with WSR has been one of the finest business decisions Stayer’s Quality Queens has made. WSR and their team have streamlined the process of providing Crop Insurance and made it easy to understand.

Patrick Wilbanks

Wilbanks Apiaries, Inc.

After one year of working with WSR on my lack of rainfall insurance, I have a much clearer understanding of the program. One of the things I appreciate most about WSR is their diligent attention to detail and the time they put on scrutinizing every grid and interval of my policy. WSR has written my policy to put me in a position where I am appropriately managing the weather-related risk involved with my business without adding unnecessary risk with my insurance.

Donald Doverspike

Hotchkiss company

WSR’s knowledge and service is exceptional. These have been very valuable tools for our operation in these new times, to help mitigate risk. Highly recommend to anyone.