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Compare home insurance agents in Half Moon Bay. Review contact information and insurance categorys before you decide.
5 agents listed
Updated May 2026
Half Moon Bay, 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 5 home insurance agents in Half Moon Bay, 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.
Farmers Insurance - Joseph Angelini
725 Main St, Half Moon Bay, CA 94019
(650) 726-4818
agents.farmers.com
Goosehead Insurance - Richard Holmes
785 Main St Suite 202, Half Moon Bay, CA 94019
(415) 912-0624
goosehead.com
Coastside Insurance Agency
720 Kelly Ave, Half Moon Bay, CA 94019
(650) 726-6328
coastsideinsuranceagency.com
Heidi Kuiper - State Farm Insurance Agent
604 Main St Ste I, Half Moon Bay, CA 94019
(650) 726-1108
heidikuiper.com
Kristen Young - State Farm Insurance Agent
543 Main St, Half Moon Bay, CA 94019
(650) 726-8400
halfmoonbayinsurance.com
Home insurance agents in Half Moon Bay help homeowners find coverage that meets California state requirements and local risks. The California FAIR Plan provides basic fire insurance for high-risk areas, and agents can explain how it works with standard policies. Many homes near the coast also need additional wind or flood coverage.
What Does a Home Insurance Agent in Half Moon Bay Cost?
Home insurance in California costs an average of $1,200 to $2,500 per year for a standard policy, but rates vary widely by location and home value. In Half Moon Bay, coastal properties or homes in high-fire zones may pay $3,000 to $6,000 or more annually. Earthquake insurance adds $800 to $3,000 per year depending on the home. This is general information, 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 Half Moon Bay do?
A home insurance agent helps you compare policies from different insurers to find coverage for your home. They explain California-specific rules, like the FAIR Plan for fire coverage and earthquake insurance options. They also help you understand policy limits and deductibles.
Do I need special coverage for a home near the coast in Half Moon Bay?
Yes, homes near the coast may need extra coverage for wind, flood, or earthquake damage. Standard policies often exclude flood and earthquake, so agents can help you buy separate policies. California law requires insurers to offer earthquake coverage, but you can decline it.
How do I choose a home insurance agent in Half Moon Bay?
Look for a licensed agent who knows local risks like coastal storms and wildfire zones. Ask about their experience with California insurers and the FAIR Plan. You can verify a license through the California Department of Insurance website.
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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.