Trusted. Local. Independent.
Rancho Del Sur Insurance Services has the knowledge and expertise to help with your insurance needs in Encinitas, 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.



Get quotes from multiple insurance companies in Encinitas, California.
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 Encinitas, California to meet your specific needs, including customized coverages.
We don’t work for the insurance company, we work for you.
Home, high-value home, and earthquake insurance in Encinitas, California
Encinitas brings together Leucadia, Old Encinitas, Cardiff-by-the-Sea, and Olivenhain, with Swami's, Moonlight Beach, the San Elijo Lagoon, and the Coast Highway 101 corridor.
Coastal bluffs and erosion
In August 2019 a bluff collapse at Grandview Beach killed three people, a reminder of how unstable the North County coastline can be. Most home policies exclude earth movement, so we review your homeowners coverage and earthquake insurance options carefully for bluff-top properties.
Olivenhain and wildfire
Inland Olivenhain has large lots, horses, and brush, and the 2007 Witch Creek Fire burned nearby. We shop carriers that still write in high fire areas and help you document mitigation for discounts.
Custom homes and rentals
Encinitas has many custom homes and second units. We write high-value home insurance and landlord policies for ADUs and long-term rentals.
Your insurance team for Encinitas, California
We work with Encinitas households and business owners, and also serve nearby Carlsbad, Solana Beach, Rancho Santa Fe, and Del Mar, along with communities across California.
We work with the most reputable insurance companies to find the best match for you!
Encinitas, California Independent Agent vs The Rest
Here is a quick comparison of the differences between an independent agency in Encinitas, California like us, and the various other types of companies that are out there:

Getting Insurance
is Easy.
- 1Fill out the form.
- 2We will go over your options with you.
- 3
Get the coverage you need.
If you would rather call us to discuss your insurance needs or schedule a time in person, please call us today!
Personal insurance policies for individuals and families in Encinitas, California
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.

About Rancho Del Sur Insurance Services
Focusing on efficiency & performance in CA, AZ, & WA
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., and Scottsdale AZ.
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.


Four office locations to serve you
San Diego, California
La Quinta, California
Spokane, Washington
Scottsdale, Arizona
Get to Know Our Team
Let our team build a custom protection plan to fit your unique needs.

Ready to get insurance?
Let’s do it.
Feel free to call us.

















