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Compare Home Insurance Agents in Rancho Santa Margarita, CA
Compare home insurance agents in Rancho Santa Margarita. Review contact information and insurance categorys before you decide.
14 agents listed
Updated May 2026
Rancho Santa Margarita, 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 14 home insurance agents in Rancho Santa Margarita, 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.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
Mashco Insurance Solutions Inc
31 La Cascada, Rancho Santa Margarita, CA 92688
(949) 838-4233
mashcoinsurance.com
George Menclewicz: Allstate Insurance
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(949) 459-2795
agents.allstate.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Farmers Insurance - Renee Connell
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 888-6610
agents.farmers.com
Farmers Insurance
30021 Tomas, Rancho Santa Margarita, CA 92688
(949) 581-4466
farmers.com
totalinsuranceaccess
22342 Avenida Empresa #255, Rancho Santa Margarita, CA 92688
+234 714 990 4362
totalinsuranceaccess.com
Rischel Insurance Services
31441 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
(949) 589-8763
Home insurance agents in Rancho Santa Margarita, California help homeowners find policies that meet state requirements. California law does not require homeowners insurance, but mortgage lenders typically do. Agents can explain coverage for wildfire, earthquake, and other local risks.
What Does a Home Insurance Agent in Rancho Santa Margarita Cost?
Typical home insurance costs in California range from 800 to 2,500 dollars per year for a standard policy. In Rancho Santa Margarita, costs may be higher due to wildfire and earthquake risks. Factors include home value, location, coverage limits, and deductible. 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 do in Rancho Santa Margarita?
A home insurance agent helps you compare policies from different companies. They explain coverage options like dwelling protection, liability, and personal property. They also assist with claims and policy changes.
Do I need earthquake insurance in Rancho Santa Margarita?
Earthquake insurance is not required by California law, but it is recommended due to seismic activity. Standard home insurance policies do not cover earthquake damage. You can buy a separate policy through the California Earthquake Authority or private insurers.
How does wildfire risk affect home insurance in Rancho Santa Margarita?
Wildfire risk can increase premiums or make it harder to get coverage. California law requires insurers to offer discounts for wildfire mitigation measures. Agents can help you find insurers that offer policies in high-risk areas.
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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.