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Md Electric vs Sagan Electric
Sacramento Electrical Contractors Comparison · Updated March 2026
Sagan Electric carries workers compensation insurance while MD Electric does not, a significant liability difference that matters if someone gets injured on your property.
| Md Electric | Sagan Electric | |
|---|---|---|
| Rating | ★ 5.0 | ★ 5.0 |
| Years Licensed | 10 years | 7 years |
| License # | 1007892 | 1050318 |
| Workers' Comp | — | ✓ Yes |
| Bond Amount | $25,000 | $25,000 |
| Location | North Highlands, CA | Rancho Cordova, CA |
| Website | www.md-electric.org | saganelectric.com |
Key Differences
What Customers Say
Md Electric
Customers value MD Electric's thorough explanations and honest assessments, with emphasis on direct communication with an experienced owner who takes time to explain technical details.
Sagan Electric
Customers appreciate Sagan Electric's operational efficiency, particularly same-day quotes, fast project completion, and handling administrative tasks like permits and rebate applications.
Key Takeaway: MD Electric customers emphasize the educational aspect and honest guidance from the owner, while Sagan Electric customers focus on convenience factors like speed and administrative support that simplify the homeowner's role.
Customer Reviews
Md Electric
Matt from MD Electric came out to install a ceiling fan with no existing wiring or fan box. He knew exactly what needed to be done and made the fan look like it was put there from new construction. I ...
âââââ I had the pleasure of working with MD Electric for a recent electrical project in my home, and I am extremely satisfied with their outstanding service! Matt's meticulous attention to d...
I was incredibly impressed with Matt Damiano, the owner and technician of MD Electric. He arrived on time, was extremely professional, and clearly knows his craft. Matt is truly an expert - his attent...
Sagan Electric
Great job fast work. Daniel was super quick and professional.
Very friendly and helpful. Quick installation.
Sagan Electric did an incredible job and I would highly recommend their work to anyone. Great value and high quality work!
Consider Md Electric if...
- ✓ You have an older home where hidden wiring issues are likely, and you value working directly with a seasoned electrician who can diagnose problems as they emerge rather than coordinating through an office.
- ✓ You prefer thorough explanations of what's being done and why, with someone who will provide honest assessments even if it means recommending less work than you initially planned.
- ✓ You're comfortable verifying your homeowner's insurance covers contractor injuries, or the project is straightforward enough that injury risk is minimal.
- ✓ The three additional years of licensed experience matters for your specific project complexity, such as whole-house rewiring or troubleshooting intermittent electrical problems.
Consider Sagan Electric if...
- ✓ You want the protection of workers compensation insurance and prefer not to expose yourself to potential liability if someone gets injured during your project.
- ✓ You're installing an electric vehicle charger and want help navigating SMUD rebates and coordinating with the utility for required upgrades.
- ✓ You value fast turnaround from quote to completion, with same-day estimates and installations often scheduled within days of approval.
- ✓ You prefer a company that handles permitting paperwork and inspector coordination as part of their standard service rather than managing those details yourself.
Questions to Ask Before Hiring
- → For MD Electric: Ask specifically about liability coverage and confirm with your homeowner's insurance whether you're covered if the contractor or any helper is injured on your property.
- → For both companies: Ask for references from projects similar in scope to yours, particularly if you're dealing with an older home or complex rewiring.
- → For Sagan Electric: Ask about their current workload and whether the faster turnaround times still apply, or if scheduling has changed since earlier customer experiences.
- → Ask both contractors how they handle unexpected complications discovered during work, including pricing for additional scope and timeline adjustments.
The Bottom Line
Sagan Electric is the safer choice for most homeowners because workers compensation insurance protects you from significant financial liability if someone gets injured during your project. Their expertise in EV charger installations, permitting support, and fast turnaround adds practical value. However, if you're comfortable verifying your insurance coverage and have a complex project in an older home where MD Electric's additional three years of diagnostic experience would be valuable, the owner-operated model offers direct access to a seasoned electrician. For straightforward projects, the insurance coverage difference should drive your decision. Call your homeowner's insurance this week if you're considering MD Electric.
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Frequently Asked Questions
For straightforward installations like adding outlets or replacing a ceiling fan, both have sufficient experience. For complex diagnostics, panel upgrades in older homes, or whole-house rewiring where hidden problems are likely, MD Electric's 10 years versus 7 years represents more exposure to unusual situations and complications. The experience gap matters most when things don't go as planned.
If MD Electric's owner or anyone helping him gets injured on your property, your homeowner's insurance may become the primary coverage for medical bills and lost wages. This could mean a claim against your policy, potential premium increases, and possible out-of-pocket costs if the claim exceeds your coverage. Call your insurance agent this week to understand your specific exposure before deciding.
Sagan Electric has documented expertise in EV charger installations and actively helps customers navigate SMUD rebate programs, which can offset installation costs significantly. They coordinate directly with the utility for required panel upgrades or service increases. While MD Electric can certainly install chargers, Sagan has made this a specialty with established utility relationships.
Customer feedback suggests both deliver professional installation quality. MD Electric customers emphasize thorough explanations and finished appearance, while Sagan customers highlight efficient execution and administrative support. The workers comp difference is about financial protection if something goes wrong during the project, not about the quality of completed electrical work.
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How We Compare Contractors
License Verification
All license data is sourced from official California CSLB records and verified regularly.
Review Analysis
Customer reviews are aggregated from Google and analyzed to identify patterns in service quality.
Detailed Comparison
We analyze credentials, insurance, experience, and feedback to highlight meaningful differences.
Not all licensed contractors are created equal. While a valid license is the baseline requirement in California, contractors can vary significantly in experience, insurance coverage, and customer satisfaction.
- Experience matters: A contractor with 15+ years of experience has likely encountered and solved problems that newer contractors haven't faced yet.
- Workers' compensation protects you: If a contractor without workers' comp insurance has an employee injured on your property, you could be held liable.
- Reviews reveal patterns: Individual reviews can be misleading, but patterns across many reviews often reveal a contractor's true strengths and weaknesses.
- Bond amounts vary: A contractor's bond provides financial protection if they fail to complete work as agreed. Higher bonds offer more protection.
Taking time to compare contractors on these factors can save you from costly mistakes and help ensure your project is completed by a qualified professional.
Data Sources: License information from California CSLB. Ratings and reviews from Google. Last verified March 12, 2026.
This comparison is based on publicly available information. We recommend getting multiple quotes and verifying all credentials directly before hiring.
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