Insurance in California

Rancho Del Sur Insurance Services has the knowledge and expertise to help with your insurance needs in California.

We’re your one-stop-shop for individuals, personal insurance and business insurance. Start a quote by clicking below or give us a call at 858-798-5450 to start the conversation.

Rancho Del Sur Insurance Services has you covered.

We’ve built our insurance agency around understanding what you need and what’s important for your family or business to protect. That’s why we work with a wide range of insurance companies and products in California to meet your specific needs, including customized coverages.

We don’t work for the insurance company, we work for you.

Homeowners, earthquake, and wildfire insurance across California

Rancho Del Sur Insurance Services helps families and business owners protect what matters, and we serve California households and businesses from our office in San Diego. From San Diego County and the Coachella Valley to Los Angeles, the Central Valley, and the Bay Area, California homes face wildfire, earthquakes, and a tight homeowners insurance market. We shop multiple carriers, explain your options in plain English, and review your coverage every year.

California's homeowners market

Several major carriers have stopped writing new homeowners policies or cut back how many they renew, so many homeowners near open space and canyons now end up on the California FAIR Plan. When that happens, we pair the FAIR Plan with a Difference in Conditions (DIC) policy to add back liability, theft, and water damage, and we keep shopping private carriers at every renewal. California requires insurers to offer discounts for wildfire mitigation, such as a Class A roof, ember-resistant vents, and defensible space, so it pays to document the work on your home. We also cover condos, rental properties, renters, and high-value homes.

Wildfire, earthquakes, and winter storms

The 2003 Cedar Fire and 2007 Witch Creek Fire destroyed thousands of San Diego County homes, and the January 2025 Los Angeles fires showed how fast a wind-driven fire can spread into neighborhoods. California also sits on active faults like the San Andreas, Rose Canyon, and Elsinore, and standard home policies exclude earthquake damage, so we quote California Earthquake Authority and private earthquake coverage. Atmospheric river storms can flood homes far from mapped flood zones, and we quote NFIP and private flood insurance as well.

Auto, boat, and business coverage

Since January 1, 2025, California drivers must carry at least $30,000 per person, $60,000 per accident, and $15,000 for property damage (30/60/15), and drivers with a clean record qualify for a Good Driver Discount of at least 20%. We round out your protection with auto, boat, and umbrella coverage. For business owners, we also write business insurance, from business owners policies to commercial property, along with contractors insurance and trucking coverage.

Where we work in California

We serve San Diego, Carlsbad, Terramar, Oceanside, Encinitas, Solana Beach, Del Mar, Del Mar Heights, Torrey Pines, La Jolla, University City, Sorrento Valley, Rancho Penasquitos, Rancho Bernardo, Escondido, San Marcos, Harmony Grove, Rancho Santa Fe, Miramar, Clairemont, Mission Bay, Ocean Beach, Point Loma, Coronado, Chula Vista, Spring Valley, La Mesa, Del Cerro, El Cajon, Eucalyptus Hills, and La Quinta, along with communities across the state.