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Directory of home insurance agents in Santa Cruz, California. Verify credentials with the state department of insurance before hiring.
18 agents listed
Updated May 2026
Santa Cruz, 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 18 home insurance agents in Santa Cruz, 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.
Chris Buich - State Farm Insurance Agent
2222 E Cliff Dr Ste 200, Santa Cruz, CA 95062
(831) 464-4300
chrisbuich.com
Lydia Harville - State Farm Insurance Agent
1044 41st Ave, Santa Cruz, CA 95062
(831) 476-6665
lydiaharville.com
Farmers Insurance - Matthew O Brien
1722 Seabright Ave, Santa Cruz, CA 95062
(831) 621-1311
agents.farmers.com
DCD Financial & Insurance Services
1123 Soquel Ave, Santa Cruz, CA 95062
(831) 423-8542
dcdis.com
Paul Nelson Insurance Services
730 Mission St #201, Santa Cruz, CA 95060
(831) 426-9900
bayareainsured.com
Allstate Insurance: Pinnacle One Insurance Services
1200 Pacific Ave #265, Santa Cruz, CA 95060
(831) 459-0500
agents.allstate.com
Skip Leonard - State Farm Insurance Agent
1101 Water St, Santa Cruz, CA 95062
(831) 429-2700
skipleonard.com
Ace Althouse - State Farm Insurance Agent
1215 Mission St, Santa Cruz, CA 95060
(831) 420-1555
agent-ace.com
Shockley Insurance Solutions
519 Seabright Ave Suite #213, Santa Cruz, CA 95062
(831) 600-8755
shockleyinsurance.com
Farmers Insurance - Michael Baxter
730 Mission St #201, Santa Cruz, CA 95060
(831) 427-0900
agents.farmers.com
Erin Irvine Independent Insurance Producer
406 Mission St # F, Santa Cruz, CA 95060
(408) 316-5362
erinirvine.com
Clarion Pacific Insurance Services
2035 N Pacific Ave ste a, Santa Cruz, CA 95060
(831) 337-4661
clarionpacificinsurance.com
Farmers Insurance - Ted Herzon
406 Mission St # F, Santa Cruz, CA 95060
(408) 666-1672
agents.farmers.com
Bedell & Nelson-Harbert Insurance
2035 N Pacific Ave, Santa Cruz, CA 95060
(831) 426-3700
Farmers Insurance - Doug Banks
303 Potrero St Blg 45 Ste 108, Santa Cruz, CA 95060
(831) 460-0700
agents.farmers.com
D and R Insurance Services
542 Ocean St #J, Santa Cruz, CA 95060
(831) 427-3272
mercuryinsurance.com
Farmers Insurance
410 Ocean St, Santa Cruz, CA 95060
(831) 423-7163
agents.farmers.com
Farmers Insurance - Mark Battey
410 Ocean St, Santa Cruz, CA 95060
(831) 423-7163
agents.farmers.com
Home insurance agents in Santa Cruz California help homeowners protect their property against risks like wildfires and earthquakes. California law requires insurers to offer a minimum level of fire coverage and disclose any exclusions for natural disasters. An agent can explain how local factors like proximity to the coast affect your policy.
What Does a Home Insurance Agent in Santa Cruz Cost?
Typical home insurance costs in California range from 800 to 2000 dollars per year for a standard policy. In Santa Cruz, rates can be higher due to wildfire and coastal exposure. A policy with full replacement cost and liability coverage will cost more than a basic plan. 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 do in Santa Cruz?
A home insurance agent helps you compare policies from different carriers and find coverage that fits your needs. They explain California specific rules like the FAIR Plan for high risk fire areas. They also assist with claims and policy changes.
Do I need earthquake insurance in Santa Cruz?
Earthquake damage is not covered by standard home insurance in California. You must buy a separate policy from the California Earthquake Authority or a private insurer. An agent can help you decide based on your home location and budget.
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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.