Trusted. Local. Independent.
Rancho Del Sur Insurance Services has the knowledge and expertise to help with your insurance needs in Rancho Bernardo, 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 Rancho Bernardo, 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 Rancho Bernardo, California to meet your specific needs, including customized coverages.
We don’t work for the insurance company, we work for you.
Home, wildfire, and condo insurance in Rancho Bernardo, California
Rancho Bernardo is a master-planned San Diego community along I-15 near Lake Hodges, with golf courses, active adult neighborhoods, and many HOAs.
The 2007 Witch Creek Fire
The 2007 Witch Creek Fire destroyed more than 350 homes in Rancho Bernardo in a single night. We shop homeowners insurance with carriers that write here, pair the FAIR Plan with a DIC policy when needed, and help you document mitigation.
HOAs and condos
Many residents live in HOA communities or condos. We write condo policies with loss assessment coverage and make sure your policy fits the association's master coverage.
Retirees and second cars
We review auto insurance for retirees driving less, and add umbrella coverage to protect savings from a serious liability claim.
Your insurance team for Rancho Bernardo, California
We work with Rancho Bernardo households and business owners, and also serve nearby Poway, Rancho Penasquitos, Escondido, and 4S Ranch, along with communities across California.
We work with the most reputable insurance companies to find the best match for you!
Rancho Bernardo, California Independent Agent vs The Rest
Here is a quick comparison of the differences between an independent agency in Rancho Bernardo, 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 Rancho Bernardo, 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.

















