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Looking for a renters insurance agent in Santa Cruz? Review the directory below to compare your options.
19 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 19 renters 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
O'Brien Insurance Agency
1722 Seabright Ave, Santa Cruz, CA 95062
(831) 621-1311
obinsure.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
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
Progressive Benefit Group
9035 Soquel Ave #200, Santa Cruz, CA 95062
(877) 724-7187
progressivebenefit.com
Farmers Insurance - Mark Battey
410 Ocean St, Santa Cruz, CA 95060
(831) 423-7163
agents.farmers.com
Pozos Insurance Services Inc
877 Cedar St #150, Santa Cruz, CA 95060
(831) 713-6438
pozosinsuranceservices.net
Renters insurance agents in Santa Cruz, California help tenants protect their personal property and cover liability risks. California law does not require renters insurance, but many landlords in Santa Cruz now include it as a lease condition. A local agent can explain how earthquake and flood coverage may be needed given the area's coastal and seismic risks.
What Does a Renters Insurance Agent in Santa Cruz Cost?
Typical renters insurance costs in California range from $15 to $30 per month, or $180 to $360 per year. In Santa Cruz, factors like the age of your building, your credit score, and the amount of personal property coverage you choose can affect the premium. Policies usually offer $15,000 to $50,000 in personal property coverage and $100,000 in liability coverage. 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 renters insurance agent in Santa Cruz do?
A renters insurance agent helps you choose a policy that covers your personal belongings and provides liability protection. They can also advise on additional coverages like earthquake or flood insurance, which are not standard in most policies. The agent works with multiple insurance companies to find a plan that fits your needs and budget.
Is renters insurance required by law in California?
No, California state law does not require renters insurance. However, many landlords and property management companies in Santa Cruz now require tenants to carry a renters insurance policy as part of the lease agreement. Always check your lease for specific requirements.
How much does renters insurance cost in Santa Cruz?
The average cost of renters insurance in California is between $15 and $30 per month, or about $180 to $360 per year. In Santa Cruz, rates may be slightly higher due to the area's higher property values and risk of natural disasters like wildfires and earthquakes. Your final cost depends on your coverage limits, deductible, and the value of your belongings.
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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.