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Directory of home insurance agents in Pacific Grove, California. Verify credentials with the state department of insurance before hiring.
9 agents listed
Updated May 2026
Pacific Grove, 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 9 home insurance agents in Pacific Grove, 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.
State Farm Insurance Agent
716 Lighthouse Ave ste b, Pacific Grove, CA 93950
(831) 392-1022
statefarm.com
David Armas - State Farm Insurance Agent
204 17th St, Pacific Grove, CA 93950
(831) 655-5244
davidarmas.biz
Mike De Lay - State Farm Insurance Agent
1121 Forest Ave, Pacific Grove, CA 93950
(831) 373-0138
delayinsurance.net
Stuart Dong - State Farm Insurance Agent
546 Pine Ave, Pacific Grove, CA 93950
(831) 373-0127
statefarm.com
Farmers Insurance - Lili Ventura
227 Grand Ave Ste 5a, Pacific Grove, CA 93950
(831) 250-0444
agents.farmers.com
Farmers Insurance - Julie Osio
675 Pine Ave #3, Pacific Grove, CA 93950
(831) 373-2126
agents.farmers.com
Farmers Insurance - Gary Merin
620 Lighthouse Ave Ste 115, Pacific Grove, CA 93950
(831) 634-0621
agents.farmers.com
Farmers Insurance - Lisa Osio Lavin
675 Pine Ave Ste 2, Pacific Grove, CA 93950
(831) 373-4017
agents.farmers.com
Maffei Insurance & Financial Services
546 Pine Ave Ste B, Pacific Grove, CA 93950
(831) 373-1926
agency.nationwide.com
Home insurance agents in Pacific Grove help homeowners find coverage for their properties, including those near the coast. California law requires insurers to offer earthquake coverage as an add-on to standard policies. An agent can explain how local risks like wildfire and coastal weather affect your premium.
What Does a Home Insurance Agent in Pacific Grove Cost?
The average cost of homeowners insurance in California is about 1,200 to 1,500 dollars per year for a standard policy, but rates vary widely. In Pacific Grove, coastal location and wildfire risk can increase premiums to 2,000 dollars or more. Earthquake insurance adds 700 to 3,000 dollars annually depending on your home. 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 Pacific Grove do?
A home insurance agent helps you compare policies from different carriers to find coverage that fits your home and budget. They explain policy details, such as dwelling coverage and liability limits. Agents also assist with claims and policy changes after you buy a policy.
Do I need earthquake insurance in Pacific Grove?
Earthquake insurance is not required by California law, but insurers must offer it as a separate policy or endorsement. Pacific Grove is near active fault lines, so many homeowners choose this coverage. An agent can help you decide based on your property and risk tolerance.
How can a home insurance agent help with wildfire risk?
California has strict rules about wildfire risk and insurance availability. An agent can explain FAIR Plan coverage for high risk areas and help you find private policies that include wildfire protection. They also advise on discounts for fire resistant home improvements.
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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.