ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find Home Insurance Agents Near You in San Luis Obispo, CA
Looking for a home insurance agent in San Luis Obispo? Review the directory below to compare your options.
20 agents listed
Updated May 2026
San Luis Obispo, 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 20 home insurance agents in San Luis Obispo, 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 San Luis Obispo Insurance and Member Services
1445 Calle Joaquin, San Luis Obispo, CA 93405
(805) 543-6454
ace.aaa.com
Mike Smith - State Farm Insurance Agent
1608 Johnson Ave, San Luis Obispo, CA 93401
(805) 546-8393
sfslo.com
Susan Rodriguez - State Farm Insurance Agent
799 Foothill Blvd D, San Luis Obispo, CA 93405
(805) 783-7050
rodriguezinsurance.com
Farmers Insurance - Jennifer White
1228 Broad St, San Luis Obispo, CA 93401
(805) 548-8530
agents.farmers.com
Orange Auto Insurance
2146 Parker St Suite A2, San Luis Obispo, CA 93401
(805) 439-3999
orangeautoins.com
Todd Thomas - State Farm Insurance Agent
1238 Marsh St, San Luis Obispo, CA 93401
(805) 543-0650
toddthomasagency.com
Marc Amesse - State Farm Insurance Agent
2251 Broad St A, San Luis Obispo, CA 93401
(805) 543-0889
slosfagent.com
Polk Insurance Agency
1443 Marsh St, San Luis Obispo, CA 93401
(805) 544-6454
polkins.com
SLO Insurance Services
1494 Mill St, San Luis Obispo, CA 93401
(805) 543-7564
sloinsurance.com
Morris & Garritano Insurance
1122 Laurel Ln, San Luis Obispo, CA 93401
(805) 543-6887
morrisgarritano.com
McGee Insurance Agency
2000 Broad St, San Luis Obispo, CA 93401
(805) 543-8833
mcgeeinsurance.com
Minton Insurance
1042 Pacific St # E, San Luis Obispo, CA 93401
(805) 546-8113
minton-insurance.com
Goosehead Insurance -- Donaldson Agency
820 Walnut St Suite D, San Luis Obispo, CA 93401
(805) 242-4900
tinaldonaldson.com
Coast Auto Insurance Services, Inc.
3121 S Higuera St # I, San Luis Obispo, CA 93401
(805) 544-1990
coastautoinsurance.com
Relation Insurance - Engle & Associates Group
1236 Higuera St, San Luis Obispo, CA 93401
(805) 781-6336
engleinsurance.com
Olivia Bravo: Allstate Insurance
3220 S Higuera St Ste 300, San Luis Obispo, CA 93401
(805) 543-2194
agents.allstate.com
Farmers Insurance - Trevor Moriarty
355 Pacific St, San Luis Obispo, CA 93401
(805) 544-8300
agents.farmers.com
Farmers Insurance - Joshua Wright
11573 Los Osos Valley Rd f, San Luis Obispo, CA 93405
(805) 541-3942
agents.farmers.com
Peterson and Grantham Insurance Brokers SLO
2436 Broad St, San Luis Obispo, CA 93401
(805) 544-9000
png-insurance.com
R.L. Insurance Associates Inc.
1363 Marsh St suite a, San Luis Obispo, CA 93401
(805) 783-7130
rlassoc.com
Home insurance agents in San Luis Obispo help homeowners protect their property against common California risks such as wildfires earthquakes and coastal flooding. California law requires insurers to offer earthquake coverage as an add on to standard policies. A local agent can explain how the California FAIR Plan provides basic fire coverage for high risk areas.
What Does a Home Insurance Agent in San Luis Obispo Cost?
Home insurance costs in San Luis Obispo vary widely based on home value location and risk factors. Typical annual premiums range from 800 to 2,500 dollars for standard coverage. Earthquake insurance adds 700 to 3,000 dollars per year depending on your homes age and construction. Wildfire risk can increase rates by 20 to 50 percent. 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 San Luis Obispo do?
A home insurance agent helps you compare policies from different insurers to find coverage that fits your home and budget. They explain policy details like dwelling coverage personal property limits and liability protection. They also assist with claims and policy changes after you buy coverage.
Is earthquake insurance required in San Luis Obispo?
Earthquake insurance is not required by law but California insurers must offer it as a separate policy. San Luis Obispo is in a seismically active region so many homeowners choose to add this coverage. The California Earthquake Authority provides policies through participating insurers.
How does wildfire risk affect home insurance in San Luis Obispo?
Homes in high fire hazard zones may face higher premiums or limited options. California law restricts non renewal of policies in wildfire affected areas for one year after a disaster. An agent can help you find coverage through the FAIR Plan if standard insurers decline your home.
Free • No Obligation
Compare Home Insurance Agents
Get matched with agents in San Luis Obispo who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
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.