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Find Home Insurance Agents Near You in Carlsbad, CA

Browse home insurance agents serving Carlsbad, California. Updated 2026-07-14.

The top-rated home insurance agent in Carlsbad, California is Gaslamp Insurance, rated 4.6 stars across 1,649 reviews. Other highly rated options include Hazelrigg And Associates: Allstate Insurance, Ryan Waggener - State Farm Insurance Agent, Luke Dix - State Farm Insurance Agent. This directory lists 21 home insurance agents serving Carlsbad.

Showing 21 home insurance agents in Carlsbad, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Gaslamp Insurance2244 Faraday Ave #125(800) 920-4125
2Hazelrigg And Associates: Allstate Insurance6994 El Camino Real Ste 110(760) 471-7545
3Ryan Waggener - State Farm Insurance Agent2710 Loker Ave W Suite 210(760) 814-2480
4Luke Dix - State Farm Insurance Agent1901 Camino Vida Roble STE 115(760) 754-2636
5Hayek Insurance2777 Jefferson St Suite 203-D(800) 860-8835
6Walt Waggener - State Farm Insurance Agent2710 Loker Ave W Ste 210(760) 931-5393
7The Insurance Place2111 Palomar Airport Rd # 322(760) 643-2100
8Hugh Kollar - State Farm Insurance Agent2979 State St # C(760) 730-9110
9Alta Vista Insurance Agency2585 Pio Pico Dr Suite 100(844) 629-1500
10Ken May Insurance Services3146 Tiger Run Ct #114(760) 893-8055
GI
2244 Faraday Ave #125
Gaslamp Insurance
Home Insurance Agent · Carlsbad, CA

Gaslamp Insurance serves homeowners throughout Carlsbad and San Diego County, providing home insurance agent services. The company assists clients in securing policies that protect residential properties against common perils, such as fire, theft, and weather-related damage. Its offerings include coverage for single-family homes and condominiums. In the Carlsbad area, it specifically handles policy evaluations to match local risk factors and assists with filing claims after storm or water damage events.

HA
6994 El Camino Real Ste 110
Hazelrigg And Associates: Allstate Insurance
Home Insurance Agent · Carlsbad, CA

Hazelrigg And Associates: Allstate Insurance provides a range of home insurance agent services, including standard homeowners coverage and customizable policies to protect against common regional risks. The agency offers ongoing policy reviews and maintenance plans to adjust coverage as property values or needs change over time. Their services address structures, personal belongings, and liability for various residential and commercial properties. These properties include single-family homes, apartments, retail spaces, and restaurants throughout the Carlsbad area.

RW
2710 Loker Ave W Suite 210
Ryan Waggener - State Farm Insurance Agent
Home Insurance Agent · Carlsbad, CA

Ryan Waggener - State Farm Insurance Agent serves homeowners and property managers throughout Carlsbad, California, helping them secure coverage for single-family houses, condominiums, and rental properties. The agency offers personalized consultations to assess individual insurance needs and select appropriate policy options. It assists clients in understanding different levels of dwelling and liability protection. In addition to serving Carlsbad residents, the agency also works with homeowners in the neighboring communities of Oceanside and Vista.

LD
1901 Camino Vida Roble STE 115
Luke Dix - State Farm Insurance Agent
Home Insurance Agent · Carlsbad, CA

Located in Carlsbad, California, Luke Dix - State Farm Insurance Agent serves clients throughout Carlsbad and nearby coastal communities. It handles home insurance policies designed to protect single-family homes, condominiums, and rental properties against common risks such as fire, theft, and weather damage. The agency also assists with bundling homeowners coverage with auto or life policies to improve overall protection. For each customer, it conducts a thorough review of the property’s specific needs and then matches those requirements with a suitable policy from available options.

HI
2777 Jefferson St Suite 203-D
Hayek Insurance
Home Insurance Agent · Carlsbad, CA

Hayek Insurance in Carlsbad, CA, assists homeowners by distinguishing between the one-time purchase of a standard policy and the recurring service of annual renewals with updated coverage. This basis guides clients through protecting their dwelling, personal property, and liability against common regional risks like wildfires and water damage. The agent’s service runs on both a scheduled basis for policy reviews and an as-needed basis for claims or policy changes.

WW
2710 Loker Ave W Ste 210
Walt Waggener - State Farm Insurance Agent
Home Insurance Agent · Carlsbad, CA

Walt Waggener - State Farm Insurance Agent in Carlsbad, CA provides specialized home insurance coverage tailored to protect residential properties against common local risks. The agency also offers standard policies that help safeguard homeowners from financial losses due to damage or theft. In the region, these services assist clients with managing policies and filing claims when necessary. During the dry summer months, the company helps residents address specific concerns about wildfire protection and related coverage needs.

IP
2111 Palomar Airport Rd # 322
The Insurance Place
Home Insurance Agent · Carlsbad, CA

When the California wildfire season heightens concerns near Carlsbad, The Insurance Place provides guidance for evaluating home protection policies. This local home insurance agent works with residents to review coverage specific to regional risks, including wind and brushfire damage. They assist in comparing standard homeowners policies with supplemental options tailored for coastal properties. An initial agent inspection of the residence typically begins with an assessment of the roof condition and defensible space around the home to determine appropriate coverage.

HK
2979 State St # C
Hugh Kollar - State Farm Insurance Agent
Home Insurance Agent · Carlsbad, CA

As a home insurance agent, Hugh Kollar - State Farm Insurance Agent in Carlsbad, CA, works with homeowners to protect their property and assets. Beyond standard dwelling coverage, the agency offers tailored endorsements for valuable personal items, water backup, and identity theft protection. These add-ons help residents fortify their policies against specific regional risks. In addition to residential clients, services extend to commercial sectors including local offices, warehouses, and food service establishments.

AV
2585 Pio Pico Dr Suite 100
Alta Vista Insurance Agency
Home Insurance Agent · Carlsbad, CA

Alta Vista Insurance Agency in Carlsbad, CA serves residential clients by structuring home insurance policies to protect dwelling structures and personal property. The agency also arranges coverage for commercial properties in the local area, addressing the distinct liability and asset risks that business owners face in coastal communities. Following initial policy setup or a claim adjustment, the office maintains contact to ensure limits keep pace with renovations or changing needs, often reaching out to schedule a review before the next premium renewal date.

KM
3146 Tiger Run Ct #114
Ken May Insurance Services
Home Insurance Agent · Carlsbad, CA

Ken May Insurance Services is a home insurance agent in Carlsbad, California, known for providing coverage that protects homeowners from common regional risks such as wildfire, earthquakes, and coastal weather events. The agency offers a range of standard homeowners policies designed to meet the needs of single-family residences and condominium owners. It also provides opportunities to bundle home and auto policies for added convenience. Buyers can separately add on critical flood insurance protection.

KH
7040 Avenida Encinas #202
Katie Harlan - State Farm Insurance Agent
Home Insurance Agent · Carlsbad, CA
(760) 431-0844
carlsbadinsuranceagency.com
JH
3129 Tiger Run Ct Ste 201
JP Hayes Insurance Agency
Home Insurance Agent · Carlsbad, CA
(760) 935-3429
jphayesinsurance.com
DM
2318 Pio Pico Dr
Dave Miller Insurance
Home Insurance Agent · Carlsbad, CA
(760) 717-1707
davemillerinsurance.com
BI
3129 Tiger Run Ct Ste 203
Brightway Insurance, The Crumbaker Agency
Home Insurance Agent · Carlsbad, CA
(760) 517-3363
brightway.com/agencies/CA/Carlsbad-Palomar-Airport/0248
RH
2382 Camino Vida Roble Ste M
Robin Horton: Allstate Insurance
Home Insurance Agent · Carlsbad, CA
(760) 438-4442
agents.allstate.com/robin-horton-carlsbad-ca.html
AI
640 Grand Ave ste h
Altenbern Insurance agency
Home Insurance Agent · Carlsbad, CA
(760) 434-0350
johnfarmers.com
PE
1938 Kellogg Ave
Pacific Edge Insurance
Home Insurance Agent · Carlsbad, CA
(760) 547-2622
pacificedgeinsurance.com
FI
690 Carlsbad Village Dr #103
Farmers Insurance - Brian Reichert
Home Insurance Agent · Carlsbad, CA
(760) 203-4310
agents.farmers.com/ca/carlsbad/brian-reichert
MC
2173 Salk Ave Suite 250
Metro Coast Insurance Services, LLC
Home Insurance Agent · Carlsbad, CA
(949) 238-6399
metrocoastinsurance.com
AB
325 Carlsbad Village Dr G2
Advanced Brokers Insurance Services
Home Insurance Agent · Carlsbad, CA
(858) 436-7999
advancedbrokersinc.com
CG
2413 Lapis Rd
Carlsbad General Insurance Agency LLC
Home Insurance Agent · Carlsbad, CA
(760) 444-2662
carlsbadgeneralinsurance.com

What Does a a Home Insurance Agent in Carlsbad Cost?

The average cost of home insurance in California is about 1,200 to 1,500 per year for a standard policy. In Carlsbad premiums may be slightly higher due to coastal risks like wind and flood. Earthquake insurance adds 700 to 3,000 per year depending on your home age and location. This is general information and not insurance advice.

About home insurance agents in Carlsbad

A home insurance agent in Carlsbad California can help you find a policy that protects your home from risks like wildfires earthquakes and floods. California law requires insurers to offer earthquake coverage but you must purchase it separately. An agent can explain how local factors such as proximity to the coast affect your premium.

Frequently Asked Questions

What does a home insurance agent in Carlsbad do?

A home insurance agent helps you compare policies from different insurers to find coverage that fits your needs. They can explain California specific requirements like the mandatory offer of earthquake insurance. They also assist with claims and policy changes.

Do I need earthquake insurance for my home in Carlsbad?

California law requires all home insurers to offer earthquake coverage but you are not required to buy it. Carlsbad is near the coast and has moderate seismic risk so many homeowners choose to add this coverage. Your agent can help you decide based on your home value and risk tolerance.

How do California wildfire laws affect my home insurance in Carlsbad?

California prohibits insurers from non renewing policies in wildfire prone areas for one year after a declared disaster. Carlsbad is not in a high wildfire zone but nearby areas may be affected. Your agent can explain how your location impacts your premium and coverage options.

Home Insurance Agents in Other California Cities

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