Trusted. Local. Independent.
Rancho Del Sur Insurance Services has the knowledge and expertise to help with your insurance needs in La Jolla, 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 La Jolla, 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 La Jolla, California to meet your specific needs, including customized coverages.
We don’t work for the insurance company, we work for you.
High-value home, earthquake, and umbrella insurance in La Jolla, California
La Jolla is a coastal San Diego community known for La Jolla Cove, the Scripps Institution of Oceanography, Mount Soledad, and some of the most valuable homes in the county.
Mount Soledad and the Rose Canyon fault
The Rose Canyon fault runs along the base of Mount Soledad, and in 2007 a landslide on Soledad Mountain Road destroyed and damaged homes. Standard policies exclude earthquake and earth movement, so we quote earthquake insurance separately.
Coverage for high-value homes
La Jolla homes often need more than a standard policy offers. We write high-value home insurance with guaranteed replacement cost, scheduled art and jewelry, and protection for older custom homes.
Extra liability for visible households
Homes with pools, staff, and frequent guests carry more liability. We add umbrella coverage over your home, auto, and boat policies.
Your insurance team for La Jolla, California
We work with La Jolla households and business owners, and also serve nearby Pacific Beach, University City, Torrey Pines, and Bird Rock, along with communities across California.
We work with the most reputable insurance companies to find the best match for you!
La Jolla, California Independent Agent vs The Rest
Here is a quick comparison of the differences between an independent agency in La Jolla, 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 La Jolla, 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.

















