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Find Home Insurance Agents Near You in San Luis Obispo, CA

Browse home insurance agents serving San Luis Obispo, California. Updated 2026-07-14.

The top-rated home insurance agent in San Luis Obispo, California is AAA San Luis Obispo Insurance and Member Services, rated 4.4 stars across 344 reviews. Other highly rated options include Mike Smith - State Farm Insurance Agent, Susan Rodriguez - State Farm Insurance Agent, Farmers Insurance - Jennifer White. This directory lists 21 home insurance agents serving San Luis Obispo.

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

Comparison

Top 10 listings
#NameAddressPhone
1AAA San Luis Obispo Insurance and Member Services1445 Calle Joaquin(805) 543-6454
2Mike Smith - State Farm Insurance Agent1608 Johnson Ave(805) 546-8393
3Susan Rodriguez - State Farm Insurance Agent799 Foothill Blvd D(805) 783-7050
4Farmers Insurance - Jennifer White1228 Broad St(805) 548-8530
5Orange Auto Insurance2146 Parker St Suite A2(805) 439-3999
6Todd Thomas - State Farm Insurance Agent1238 Marsh St(805) 543-0650
7Marc Amesse - State Farm Insurance Agent2251 Broad St A(805) 543-0889
8Polk Insurance Agency1443 Marsh St(805) 544-6454
9SLO Insurance Services1494 Mill St(805) 543-7564
10Minton Insurance1042 Pacific St # E(805) 546-8113
AS
1445 Calle Joaquin
AAA San Luis Obispo Insurance and Member Services
Home Insurance Agent · San Luis Obispo, CA

AAA San Luis Obispo Insurance and Member Services serves the San Luis Obispo, California area as a local home insurance agent. The company provides home insurance policies that help protect residential properties in the region. Homeowners can find coverage for structures, personal belongings, and liability protection through the agency. The company also assists clients with policy adjustments as needs change over time. Specifically, the agency handles standard homeowners policies and supplemental coverage for risks like wildfire damage common in this area.

MS
1608 Johnson Ave
Mike Smith - State Farm Insurance Agent
Home Insurance Agent · San Luis Obispo, CA

Mike Smith - State Farm Insurance Agent in San Luis Obispo, California, provides a range of home insurance services, including policy customization for property protection and liability coverage. The agency assists clients with reviewing and updating existing plans to ensure adequate coverage as circumstances change. It also offers guidance on selecting appropriate deductibles and endorsements. Regular policy reviews are available to help maintain relevant protection over time. The agency services various property types, such as single-family homes, apartments, retail spaces, and restaurants.

SR
799 Foothill Blvd D
Susan Rodriguez - State Farm Insurance Agent
Home Insurance Agent · San Luis Obispo, CA

Susan Rodriguez - State Farm Insurance Agent serves homeowners, renters, and property managers in San Luis Obispo. This agency offers home insurance policies that help protect dwellings, personal belongings, and liability. It also assists local property owners with coverage for secondary structures and additional living expenses after a covered loss. Clients receive personalized risk assessments and policy comparisons tailored to their specific property needs. The agent additionally provides coverage options for properties in nearby Arroyo Grande and the surrounding South County communities.

FI
1228 Broad St
Farmers Insurance - Jennifer White
Home Insurance Agent · San Luis Obispo, CA

Serving San Luis Obispo and surrounding communities in San Luis Obispo County, Farmers Insurance - Jennifer White handles home insurance policies designed to protect residential properties. This local agency works with clients to review dwelling coverage, personal property protection, and liability options for single-family homes and condominiums. An agent assesses each homeowner's specific exposure to regional risks, such as wildfire or earthquake potential. To complete a typical job, the agent gathers current policy details, then compares coverage levels and recommends adjustments to ensure adequate protection without unnecessary gaps.

OA
2146 Parker St Suite A2
Orange Auto Insurance
Home Insurance Agent · San Luis Obispo, CA

Homeowners seeking insurance can choose between purchasing a one-time policy for a specific term or establishing an ongoing service relationship that updates coverage as needs evolve. Orange Auto Insurance, located in San Luis Obispo, CA, helps clients evaluate policy options for protecting their residence and personal belongings against common local risks such as fire, theft, and weather damage. A standard home insurance agent assists with comparing policies, submitting paperwork, and answering coverage questions. Service is available on an as-needed basis for policy inquiries, renewals, or new home purchases.

TT
1238 Marsh St
Todd Thomas - State Farm Insurance Agent
Home Insurance Agent · San Luis Obispo, CA

Offering personalized home insurance coverage, Todd Thomas - State Farm Insurance Agent works with San Luis Obispo homeowners to protect their property and belongings. It provides liability options and guidance on policy deductibles to match individual needs. The agency helps residents evaluate structural coverage for single-family homes and personal possessions. As the local wildfire season approaches, the office assists homeowners in reviewing policies to ensure adequate protection against fire-related damage and evacuation expenses.

MA
2251 Broad St A
Marc Amesse - State Farm Insurance Agent
Home Insurance Agent · San Luis Obispo, CA

As the Central Coast enters its wildfire and wind season, residents of San Luis Obispo look for appropriate insurance coverage to protect their homes and personal property. Marc Amesse - State Farm Insurance Agent offers a range of policies tailored to local housing needs, including protection against common regional perils like earthquake and fire damage. The office works with homeowners to discuss deductible options, liability limits, and bundling discounts for auto policies. To begin a personalized quote, the agent typically reviews current property condition and specific coverage requirements during an initial consultation.

PI
1443 Marsh St
Polk Insurance Agency
Home Insurance Agent · San Luis Obispo, CA

Polk Insurance Agency provides home insurance policies tailored to protect residential properties in San Luis Obispo, CA. The company can include coverage endorsements for valuable personal items and liability protection. Their general work involves assessing property risks such as fire, weather damage, and theft to design suitable plans. Polk Insurance Agency serves a variety of commercial sectors, including local offices, warehouses, and food service businesses in the region.

SI
1494 Mill St
SLO Insurance Services
Home Insurance Agent · San Luis Obispo, CA

Serving San Luis Obispo, SLO Insurance Services provides home insurance to local residential homeowners, covering dwellings, personal property, and liability. The agency also writes commercial coverage for small businesses in the region. Throughout San Luis Obispo County, the company assists clients by reviewing policies and adjusting limits as property values change or renovations occur. After a policy is placed, the agent follows up to confirm coverage details and often helps homeowners update their plans before each renewal cycle.

MI
1042 Pacific St # E
Minton Insurance
Home Insurance Agent · San Luis Obispo, CA
MI
2000 Broad St
McGee Insurance Agency
Home Insurance Agent · San Luis Obispo, CA
(805) 543-8833
mcgeeinsurance.com
MG
1122 Laurel Ln
Morris & Garritano Insurance
Home Insurance Agent · San Luis Obispo, CA
(805) 543-6887
morrisgarritano.com
GI
820 Walnut St Suite D
Goosehead Insurance -- Donaldson Agency
Home Insurance Agent · San Luis Obispo, CA
(805) 242-4900
tinaldonaldson.com
RI
1236 Higuera St
Relation Insurance - Engle & Associates Group
Home Insurance Agent · San Luis Obispo, CA
(805) 781-6336
engleinsurance.com
OB
3220 S Higuera St Ste 300
Olivia Bravo: Allstate Insurance
Home Insurance Agent · San Luis Obispo, CA
(805) 543-2194
agents.allstate.com/olivia-bravo-san-luis-obispo-ca.html
CA
3121 S Higuera St # I
Coast Auto Insurance Services, Inc.
Home Insurance Agent · San Luis Obispo, CA
(805) 544-1990
coastautoinsurance.com
FI
355 Pacific St
Farmers Insurance - Trevor Moriarty
Home Insurance Agent · San Luis Obispo, CA
(805) 544-8300
agents.farmers.com/ca/san-luis-obispo/trevor-moriarty
FI
11573 Los Osos Valley Rd f
Farmers Insurance - Joshua Wright
Home Insurance Agent · San Luis Obispo, CA
(805) 541-3942
agents.farmers.com/ca/san-luis-obispo/joshua-wright
PG
2436 Broad St
Peterson and Grantham Insurance Brokers SLO
Home Insurance Agent · San Luis Obispo, CA
(805) 544-9000
png-insurance.com
RL
1363 Marsh St suite a
R.L. Insurance Associates Inc.
Home Insurance Agent · San Luis Obispo, CA
(805) 783-7130
rlassoc.com
AB
369 Marsh St #200
Adler Belmont Group, Inc.
Home Insurance Agent · San Luis Obispo, CA
(805) 540-3900
adlerbelmontgroup.com

What Does a a Home Insurance Agent in San Luis Obispo Cost?

Home insurance costs in San Luis Obispo vary widely based on home value location and risk factors. Typical annual premiums range from 800 to 2,500 dollars for standard coverage. Earthquake insurance adds 700 to 3,000 dollars per year depending on your homes age and construction. Wildfire risk can increase rates by 20 to 50 percent. This is general information and not insurance advice.

About home insurance agents in San Luis Obispo

Home insurance agents in San Luis Obispo help homeowners protect their property against common California risks such as wildfires earthquakes and coastal flooding. California law requires insurers to offer earthquake coverage as an add on to standard policies. A local agent can explain how the California FAIR Plan provides basic fire coverage for high risk areas.

Frequently Asked Questions

What does a home insurance agent in San Luis Obispo do?

A home insurance agent helps you compare policies from different insurers to find coverage that fits your home and budget. They explain policy details like dwelling coverage personal property limits and liability protection. They also assist with claims and policy changes after you buy coverage.

Is earthquake insurance required in San Luis Obispo?

Earthquake insurance is not required by law but California insurers must offer it as a separate policy. San Luis Obispo is in a seismically active region so many homeowners choose to add this coverage. The California Earthquake Authority provides policies through participating insurers.

How does wildfire risk affect home insurance in San Luis Obispo?

Homes in high fire hazard zones may face higher premiums or limited options. California law restricts non renewal of policies in wildfire affected areas for one year after a disaster. An agent can help you find coverage through the FAIR Plan if standard insurers decline your home.

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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.