Rancho Del Sur Insurance Services
Rancho Del Sur Insurance Services
Home2025-08-25T19:17:16-07:00

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Policy Service from Rancho Del Sur Insurance Services

Client Testimonials

Every customer has a different story to tell based on their individual experience with Rancho Del Sur Insurance Services. We take pride in our customer service and we believe in offering only the best services to our customers.

11622 El Camino Real # 100, San Diego

5.0 12 reviews

  • Avatar Bill Maher ★★★★★ 3 years ago
    Scott and Cheri are great! Very responsive to our questions and needs, great product at a fair price. Many people in SoCal have had home insurance challenges due to the wildfire situation in our state. Many insurance companies have left … More the state. Rancho Del Sur Insurance was able to solve for all of our insurance needs. Thank you Scott and Cheri.
  • Avatar Cristina Jimenez ★★★★★ 4 years ago
    Rancho Del Sur Insurance embodies everything I appreciate about excellent customer service. Cheri is responsive, knowledgeable and kind. I appreciate that she will give it to me straight on whether I need the coverage or not. Her expertise … More gives me peace of mind to know that she has my protection needs covered. I don't care if 15 minutes will save me 15% or more. If I can reach Cheri on a local number and talk to a person immediately and have someone looking out for me, I would be willing to pay a premium for that.
  • Avatar mark Fischer ★★★★★ 4 years ago
    Outstanding level of service and price competitiveness. More importantly the attention to detail and followup has been consistent over many years of using Scott Benjamin and Rancho Del Sur.
  • Avatar Jeffrey Lysaught ★★★★★ 4 years ago
    Best insurance agency that we have ever worked with bar none. They are professional, courteous, knowledgeable, and responsive.
  • Avatar Susan Anuskiewicz ★★★★★ 4 years ago
    Very responsive service, and always looks to get us the best rates!

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Insurance Coverage For Your Business

No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages. We offer tailored policies to help protect your business from fast-moving risks.

General Liability

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else's property.

Commercial Auto

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability for accidents and physical damage coverage for the vehicles.

Workers Compensation

If your business has employees, workers' compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Commercial Property

Commercial property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.

Cyber Liability

Businesses today increasing rely on digital systems and store customer data electronically. Cyber liability insurance helps cover the costs associated with data breaches, including legal fees, notification costs, and credit monitoring for affected customers.

Professional Liability

Professional liability insurance, aka Errors & Omissions (E&O), can help cover legal expenses if your business is sued for a mistake, missed deadline, project scope disputes, negligence, or other risks associated with customer satisfaction.

Commercial Umbrella

Commercial umbrella, aka Commercial Excess, provides additional coverage once the underlying policy reaches its limit. It can boost the coverage for general liability, commercial auto, and employer's liability insurance.

Business Owners Policy

A business owner's policy, aka BOP, is a cost effective way for small business owners to get general liability and commercial property insurance combined into a single policy.

Environmental Liability Insurance

A specialized insurance policy designed to protect your businesses from the financial consequences of environmental incidents. Crucial for companies that handles hazardous materials, or produce waste.

Commercial Insurance Specialties

You don't buy insurance – you buy peace of mind. You want confidence that you've got the right coverage in place when you need it. Rancho Del Sur Insurance Services specializes in providing expert coverage solutions for businesses.

Rancho Del Sur Insurance Services

About Rancho Del Sur Insurance Services

Focusing on efficiency & performance

Rancho Del Sur Insurance Services, Inc. is a full service, multi-line independent insurance agency with offices in San Diego, CA., La Quinta, CA. & Spokane, WA.

We are dedicated to providing our clients with quality insurance products with excellence in customer service. It is our number one priority to operate with the utmost integrity with our carrier partners, our clients and our employees.

We want to be known as an agency that is easy to do business with by being efficient, competent, knowledgeable and always having our customer's best interest at heart. Identifying the exposures that our clients face and properly offering them the most efficient means to cover those exposures is what makes us excellent at what we do.

Having access to multiple insurance companies gives us the ability to offer you a wide variety of coverage options that can be tailored to your needs and budget.

Rancho Del Sur Insurance Services in San Diego California
Rancho Del Sur Insurance Services in San Diego California
We are dedicated to providing excellent customer service and using the latest in technology to optimize your insurance options. We make ourselves available via phone, email, chat and text.
Independently owned since
2016

Three locations to serve you

San Diego California

11622 El Camino Real #100
San Diego, California 92130
Phone: 858-798-5450
Fax: 858-252-1053

La Quinta California

78065 Main St, STE 205B
La Quinta, California 92253
Phone: 858-800-2438
Fax: 858-252-1053

Spokane Washington

4407 N Division St., Ste 801
Spokane, Washington 99207
Phone: 509-957-2250
Fax: 858-252-1053

Get to Know Our Team

Let our team build a custom protection plan to fit your unique needs.

Frequently Asked Questions

Have questions? We have answers. Here are some of the questions we answer on a daily basis. If you need more information about your specific policy, give us a call, send us an email, or message us directly.

What is med pay? Do I need it?2025-08-10T15:42:08-07:00

Bodily Injury liability insurance is coverage against you when you're at-fault in an auto accident in which there is bodily injury to a 3rd Party most often in another car.

Medical payments is a coverage designed to cover the medical expense of individuals within your car. Another interesting fact about medical payments coverage is you do not have to wait for approval from the adjuster. This coverage is meant to be a deterrent to having to get into a full-blown lawsuit, many claims can be put to rest by simply using this coverage.

Can I cancel my insurance policy before it expires?2025-08-10T15:41:35-07:00

You can cancel a personal insurance policy (i.e. Auto, Home, Boat, etc.) at any time without penalty UNLESS your policy has a cancellation fee or a minimum earned premium amount however, most preferred insurance carriers in California do not have cancellation fees. All policies are cancelled pro-rata which mean you only pay for what you use.

Does my auto insurance cover a rental car?2025-08-10T15:40:59-07:00

The simple answer is: Yes. Your insurance policy will cover your rental car as long as you have comprehensive and collision (full coverage) on your current policy. Simply put, whatever coverage you have on your current policy, it will transfer to a rental car.

Here is where things get tricky. If you're renting a car from a rental car agency, and that agency is charging you, or the insurance company a daily rate, then you could be on the hook for that daily rate if the car is in the shop being fixed by your insurance policy.

If you're in a new place, or if you have the rental car for a longer period of time, it's our suggestion that you purchase the insurance agreement from the rental car agency. This will make sure that the daily charges are paid for by the rental car insurance policy.

How do I know I’m getting a good deal on my insurance policy?2025-08-10T15:40:28-07:00

The best way to assure that your rates remain competitive is to work with an independent insurance agency, like Rancho Del Sur Insurance Services. However, the rate you pay is not as important as having the RIGHT coverage.

1. Find 3-5 independent insurance agencies near you

2. Call and interview them, ask them questions like "what makes you different than the masses?" and "what services and value to you bring to the table"

3. Once you find someone that you are comfortable with, make an appointment, and ask them to provide you with a need analysis and what policies and coverages you need in place.

Will my auto insurance cover other drivers?2025-08-10T15:39:34-07:00

The most popular term in insurance is "it depends". There is no way to make a blanket statement that will cover ALL insurance policies. To find the most proper answer for this question, you must look to your insurance policy.

Most preferred insurance policies operate under the term "Permissive Use" This means those people, that are not directly excluded from your policy and have your implied permission to use your vehicle are covered on your insurance policy.

Typically, if someone is a licensed driver in the home, or has regular access to the vehicles, it is best to list them on the policy. Check with your insurance agent or review your policy to find out the details of your coverage.

When should I file a claim?2025-08-10T15:39:01-07:00

No one looks forward to "filing a claim". But this is why you have insurance right?

Here is what you should do prior to filing your claim.

1) Make sure you're in a safe location. If you're involved in an auto accident, do not look to file a claim from the road. If you're home is damaged, make sure you've stopped the threat of further damage. i.e If you're pipes have burst, make sure the water is turned off and no further water damage can take place.

2) Evaluate the damage and compare it to your deductible. Ask yourself this question, "Is it better to come out of pocket and self insure this damage, rather than filing a claim on my insurance and risking the rates going up for 3-5 years?" Here is a good example of that, if you're involved in an at fault auto accident, and the damage to your car is $850 to fix, but your deductible is $500, does it make sense to file a claim, or to pay the $350 extra out of pocket and maintain a clean driving record?

Why do I need uninsured motorist coverage, isn’t it a law everyone has to have insurance?2025-08-10T15:38:06-07:00

An often-misunderstood auto insurance coverage is uninsured/under-insured motorist coverage. This coverage protects you and the people in your car in the event another driver hits you with inadequate (under-insured) insurance coverage or no auto insurance (uninsured) at all.

Often drivers that carry low auto insurance liability limits do not have many assets to protect. So in the event that you or someone in your car is badly injured by another driver and they have inadequate auto insurance liability limits there is nothing to gain by suing the driver.

In that case you can put a claim in under your own insurance policy for uninsured motorist insurance coverage, uninsured motorist insurance coverage is a relatively inexpensive coverage that is extremely important.An often-misunderstood auto insurance coverage is uninsured/under-insured motorist coverage. This coverage protects you and the people in your car in the event another driver hits you with inadequate (under-insured) insurance coverage or no auto insurance (uninsured) at all.

How do I lower my insurance?2025-08-10T15:37:34-07:00

There are five common ways to lower your insurance.

1) Are we bundling all of your policies together? If you only have one line of insurance with us (auto without home or renters, and vice versa) you're probably paying more than you need to. Putting everything together in one place is a great way to reduce your premium on each policy.

2) If you have any young drivers in the home, they may qualify for a "good student discount" if they have a high school GPA that is 3.0 or better

3) If you're insuring some of your household vehicles on different policies, you could be paying too much. Having all of your cars together gives you a multicar discount

4) What do you do for a living? Certain occupations like: Police officers, firefighters, teachers and educators, registered nurses, scientists, and those with a four year college degree qualify for certain occupational discounts.

5) Does your home or car have an active alarm? Having one can also reduce the premiums on your policies.

What coverage do I need for my business?2025-08-10T18:24:02-07:00

Typically, a trucking company will be insured for these lines of coverage: Auto Liability, General Liability, Physical Damage, Motor Cargo Coverage, Comprehensive/Collision Insurance. Contact us at 858-798-5450 for more information about protecting your trucking firms assets.

What’s the difference between auto and general liability?2025-08-10T18:24:41-07:00

Commercial Auto Liability is focused exclusively on the risks of owning a truck, while general liability policies focus on protecting a company from risks that could impact the business in any manner. Commercial Auto liability typically covers property damage and bodily injury to drivers, passengers in your car, pedestrians, and others.

General liability protection covers bodily injury to anyone who could sue your company: customers and other guests (walking through the lobby), contractors, and vendors doing work for you.

Don't see your question? Contact us.

Rancho Del Sur Insurance Services

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