ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Disability Insurance Agents Near You in San Marcos, CA

Browse disability insurance agents serving San Marcos, California. Updated 2026-07-14.

The top-rated disability insurance agent in San Marcos, California is Just Us Insurance Services, Inc., rated 5.0 stars across 255 reviews. Other highly rated options include Freeway Insurance, Access Health Insurance Services Inc, Harding Insurance Agency Inc. This directory lists 16 disability insurance agents serving San Marcos.

Showing 16 disability insurance agents in San Marcos, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Just Us Insurance Services, Inc.197 Woodland Pkwy Ste 104320 Suite 104 - 320(877) 777-7055
2Freeway Insurance630 Nordahl Rd Ste P(760) 460-4417
3Access Health Insurance Services Inc950 Boardwalk STE 205(760) 727-9000
4Harding Insurance Agency Inc375 S Rancho Santa Fe Rd STE 105(760) 603-1100
5Schaub Insurance Agency, Inc.950 Boardwalk STE 205(760) 362-4646
6SGL Insurance Services250 S Pacific St STE 104(760) 290-3288
7Farmers Insurance - Kashif Ahmed1605 W Mission Rd Ste A(760) 434-1932
8Pacific Farm & Ranch Insurance Agency310 Via Vera Cruz Ste 203(858) 768-2498
9Midland Senior Care Insurance950 Boardwalk STE 201(619) 859-1170
10San Marvelous Home Insurance Solution132 N Twin Oaks Valley Rd(512) 580-9093
JU
197 Woodland Pkwy Ste 104320 Suite 104 - 320
Just Us Insurance Services, Inc.
Disability Insurance Agent · San Marcos, CA

Just Us Insurance Services, Inc. serves San Diego County from its base in San Marcos, California, specializing in disability insurance agent services. Disability insurance plans can help protect income if a person becomes unable to work due to illness or injury. The company assists clients in understanding various policy options tailored to different employment situations and coverage needs. It can handle both short-term and long-term disability insurance applications and policy reviews for individuals and small business owners.

FI
630 Nordahl Rd Ste P
Freeway Insurance
Disability Insurance Agent · San Marcos, CA

Freeway Insurance operates in San Marcos, California, helping clients navigate the process of acquiring disability income protection. The agency specializes in policies that replace a portion of lost earnings due to illness or injury. Its work is essential for individuals planning for financial stability during unexpected health events. The company serves a variety of local commercial sectors, including offices, warehouses, and food service operations, tailoring its advice to the specific needs of each workplace environment.

AH
950 Boardwalk STE 205
Access Health Insurance Services Inc
Disability Insurance Agent · San Marcos, CA

Access Health Insurance Services Inc in San Marcos, California, provides disability insurance agent services, including policy selection, application assistance, and claims guidance. It offers ongoing service plans to review coverage options and adjust plans as clients’ needs evolve. The firm typically serves individual policyholders, local businesses, and professionals seeking income protection. Its client base commonly includes owners of single-family homes, apartments, retail properties, and restaurants requiring disability coverage for themselves or their employees.

HI
375 S Rancho Santa Fe Rd STE 105
Harding Insurance Agency Inc
Disability Insurance Agent · San Marcos, CA

Harding Insurance Agency Inc in San Marcos, California serves homeowners, renters, and business owners who need to protect their income from unexpected illness or injury. The agency offers guidance on disability insurance policies that replace lost wages during recovery periods. Its agents work with local professionals, tradespeople, and self-employed individuals in North County to find suitable coverage. Harding Insurance Agency Inc also assists clients in the neighboring communities of Escondido and Carlsbad.

SI
950 Boardwalk STE 205
Schaub Insurance Agency, Inc.
Disability Insurance Agent · San Marcos, CA

Schaub Insurance Agency, Inc., in San Marcos, CA, assists individuals in choosing between a one-time disability insurance policy, which provides coverage for a single, defined period, and a recurring service arrangement that offers ongoing protection with renewable terms. Both options help replace a portion of income if a disability prevents work. Coverage may be tailored to address specific occupational needs and financial goals. The agency typically offers its services on a one-time or as-needed basis, depending on the client's preference for policy setup or periodic reviews.

SI
250 S Pacific St STE 104
SGL Insurance Services
Disability Insurance Agent · San Marcos, CA

SGL Insurance Services serves the San Marcos, California area and the surrounding communities throughout inland northern San Diego County. The company handles disability insurance applications, helping local residents seek income protection for illnesses and injuries that prevent them from working. It guides clients through policy options and explains coverage terms and benefit periods clearly. For a typical client, SGL Insurance Services collects personal financial and medical information, then compares available plans to match a policy with the individual’s specific needs and budget.

FI
1605 W Mission Rd Ste A
Farmers Insurance - Kashif Ahmed
Disability Insurance Agent · San Marcos, CA

Farmers Insurance - Kashif Ahmed focuses on disability insurance agent services, helping clients secure income protection for unexpected health events. Based in San Marcos, CA, it also assists individuals and families in identifying suitable coverage options for their specific needs. The agency guides clients through policy choices designed to replace lost wages if illness or injury prevents work. Throughout the year, it particularly helps employees and self-employed individuals prepare for periods of short-term or long-term disability during flu season or after sudden accidents.

PF
310 Via Vera Cruz Ste 203
Pacific Farm & Ranch Insurance Agency
Disability Insurance Agent · San Marcos, CA

With the seasonal shifts in San Diego County's inland valleys, ranchers and farmers in the San Marcos area often face unique gaps in their personal income protection. Pacific Farm & Ranch Insurance Agency addresses these specific needs as a dedicated disability insurance agent. Their work focuses on structuring policies that account for the variable cash flows common to local agricultural operations. For any new client concerned about an unexpected injury or illness halting their work, the process begins with a thorough assessment of current business revenue.

MS
950 Boardwalk STE 201
Midland Senior Care Insurance
Disability Insurance Agent · San Marcos, CA

Midland Senior Care Insurance works with individuals seeking disability insurance coverage in the San Marcos, CA area. The agency specializes in helping clients understand policy options that replace a portion of income if illness or injury prevents them from working. Such protection can be vital for maintaining financial stability during recovery periods. The company serves people employed in local commercial sectors, including those working in offices, warehouses, and food service establishments.

SM
132 N Twin Oaks Valley Rd
San Marvelous Home Insurance Solution
Disability Insurance Agent · San Marcos, CA

San Marvelous Home Insurance Solution provides residential disability insurance coverage to clients in San Marcos, California, assisting individuals with protecting their income during periods of inability to work due to illness or injury. The agency also offers commercial disability insurance policies tailored to local business owners and self-employed professionals throughout the region. Their service area encompasses San Marcos as well as surrounding San Diego County communities. Clients seeking ongoing protection often return after policy renewals or when adjusting coverage between regular income or career changes.

FI
500 S Rancho Santa Fe Rd Suite 102
Freeway Insurance
Disability Insurance Agent · San Marcos, CA
(760) 640-8003
locations.freeway.com/san-marcos-insurance-ca-92078
PI
547 McMahr Rd
Piceno Insurance
Disability Insurance Agent · San Marcos, CA
(760) 891-0741
michaelcpicenoinsurance.com
AS
206 S Rancho Santa Fe Rd
Ayala's Insurance Inc
Disability Insurance Agent · San Marcos, CA
(760) 758-8009
SI
705 Center Dr
Severance Insurance Services
Disability Insurance Agent · San Marcos, CA
(760) 480-9900
AI
277 Rancheros Dr STE 300
Alliant Insurance Services, Inc.
Disability Insurance Agent · San Marcos, CA
(760) 304-7120
alliant.com
SI
1720 Medinah Rd
SCG Insurance Services
Disability Insurance Agent · San Marcos, CA
(800) 516-0207
scginsure.com/about-us/about-us

What Does a a Disability Insurance Agent in San Marcos Cost?

Disability insurance costs in California vary based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For a 40-year-old in good health, a policy paying $3,000 per month might cost $75 to $150 per month. Costs are higher for older applicants or those with medical conditions. This is general information, not insurance advice.

About disability insurance agents in San Marcos

Disability insurance agents in San Marcos help residents protect their income with short-term and long-term disability policies. California law requires employers to provide State Disability Insurance (SDI) but private agents can help you supplement that coverage. Working with a local agent ensures you understand how California rules affect your benefits.

Frequently Asked Questions

What does a disability insurance agent in San Marcos do?

A disability insurance agent helps you find and purchase a policy that pays you if you cannot work due to illness or injury. They explain policy terms, compare options from different carriers, and assist with claims. In California, agents must be licensed by the state Department of Insurance.

How is California disability insurance different from other states?

California has a mandatory State Disability Insurance (SDI) program that provides partial wage replacement. Private disability policies can fill gaps left by SDI. California also has strict rules on claim deadlines and appeals, so working with a local agent who knows these laws is helpful.

Do I need a disability insurance agent if I have SDI through my job?

SDI only covers a portion of your wages for a limited time. A private disability insurance agent can help you buy an individual policy that provides higher benefits and longer coverage. This is especially important for self-employed people or those with high incomes in San Marcos.

Disability Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each disability insurance agent's credentials and current standing with your state Department of Insurance.