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Compare home insurance agents in Capitola. Review contact information and insurance categorys before you decide.
10 agents listed
Updated May 2026
Capitola, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 10 home insurance agents in Capitola, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
AAA Capitola/Santa Cruz Branch
4400 Capitola Rd #100, Capitola, CA 95010
(831) 824-9128
mwg.aaa.com
Coast Auto Insurance
4170 Gross Rd, Capitola, CA 95010
(831) 479-1990
coastautoinsurance.com
Jill Judd - State Farm Insurance Agent
820 Bay Ave #103, Capitola, CA 95010
(831) 462-1666
jilljudd.com
JL Martin Insurance Agency
503A Capitola Ave, Capitola, CA 95010
(831) 462-0851
jmartinins.com
Prime Health Insurance CA
1906 41st Ave, Capitola, CA 95010
(310) 868-2080
Donald R Hardy Insurance Agency
500 Plum St, Capitola, CA 95010
(831) 475-4314
hardyins.com
Margarita Nicol - State Farm Insurance Agent
2121 41st Ave STE 103, Capitola, CA 95010
(831) 475-1991
margaritanicol.com
Martini David J
500 Plum St, Capitola, CA 95010
(831) 475-4314
hardyins.com
One Connect Insurance Solutions
716 Capitola Ave suite b, Capitola, CA 95010
(888) 565-1326
1connectinsurance.com
Real Estate & Insurance Services
820 Bay Ave Suite 230E, Capitola, CA 95010
(831) 334-2108
rocksellsbayareahomes.com
Home insurance agents in Capitola California help residents protect their homes against risks like wildfires and earthquakes. California law requires insurers to offer earthquake coverage as an add on to standard policies. Agents can explain how local factors such as proximity to the coast affect your premium and coverage options.
What Does a Home Insurance Agent in Capitola Cost?
Home insurance costs in Capitola California vary by home value and risk factors. Average annual premiums in Santa Cruz County range from 1200 to 3000 dollars for standard coverage. Policies with earthquake add ons can increase costs by 800 to 2000 dollars per year. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Capitola do?
A home insurance agent helps you find a policy that fits your home and budget. They explain different coverage types including dwelling protection and personal liability. They also guide you through California specific rules like the FAIR Plan for high risk areas.
Is earthquake insurance required in Capitola California?
Earthquake insurance is not required by law but California insurers must offer it as an endorsement. Capitola is near the San Andreas fault so many homeowners choose to add this coverage. Your agent can explain the deductible and limits for earthquake policies.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.