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Find Long-Term Care Insurance Agents Near You in Watsonville, CA

Browse long-term care insurance agents serving Watsonville, California. Updated 2026-07-14.

The top-rated long-term care insurance agent in Watsonville, California is Freeway Insurance, rated 4.9 stars across 342 reviews. Other highly rated options include Fernando Lopez - State Farm Insurance Agent, AAA Watsonville Branch, KBK Insurance Agency. This directory lists 18 long-term care insurance agents serving Watsonville.

Showing 18 long-term care insurance agents in Watsonville, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Freeway Insurance1441 Main St Ste 103(831) 287-6764
2Fernando Lopez - State Farm Insurance Agent734 E Lake Ave STE 7(831) 722-1500
3AAA Watsonville Branch1195 S Green Valley Rd(831) 768-4540
4KBK Insurance Agency1006 Freedom Blvd(831) 724-1085
5Universal Agency Insurance and Tax Service Inc1426 Freedom Blvd STE 101(831) 319-4500
6Huizar-Albor Insurance Agency Inc.: Allstate Insurance734 E Lake Ave STE 4(831) 763-4626
7Evan Darling - State Farm Insurance Agent1919 Main St(831) 536-4099
8Farmers Insurance - Rafael Suarez1185 Freedom Blvd Ste 3(831) 722-3000
9Coast Auto Insurance1091 S Green Valley Rd(831) 761-1990
10LIS Insurance Services1469 Freedom Blvd(831) 724-8100
FI
1441 Main St Ste 103
Freeway Insurance
Long-Term Care Insurance Agent · Watsonville, CA

Freeway Insurance in Watsonville, California provides coverage options for individuals planning for future care needs. As a Long-Term Care Insurance Agent, the company assists clients in understanding policies that help pay for extended assistance in a home or facility. Residents seeking to protect assets while preparing for the possibility of chronic illness or disability can explore suitable plans through this agent. Services available include evaluations of policy benefits for in-home care, a specialty service that can be added to a standard plan.

FL
734 E Lake Ave STE 7
Fernando Lopez - State Farm Insurance Agent
Long-Term Care Insurance Agent · Watsonville, CA

Fernando Lopez - State Farm Insurance Agent in Watsonville, CA, provides long-term care insurance solutions designed to help individuals plan for future care needs. The agency explains policy options that cover assistance with daily living activities, whether at home or in a facility. Ongoing support includes reviewing coverage as circumstances change and assisting with claims or policy adjustments. Clients are encouraged to discuss how these plans integrate with overall financial strategies. The agency services the needs of those residing in single-family homes, apartments, retail establishments, and restaurants in the local area.

AW
1195 S Green Valley Rd
AAA Watsonville Branch
Long-Term Care Insurance Agent · Watsonville, CA

AAA Watsonville Branch serves Santa Cruz County and the surrounding Central Coast region, specializing in long-term care insurance for local residents. This agency helps clients plan for future needs by evaluating policies that cover in-home care and assisted living expenses. Their agents assist with comparing policy options from different carriers, focusing on the specific challenges of aging in this agricultural community. The office also handles Medicare supplement coordination and personalized consultations for individuals approaching retirement. They provide guidance on long-term care planning and nursing home coverage options in the Watsonville area.

KI
1006 Freedom Blvd
KBK Insurance Agency
Long-Term Care Insurance Agent · Watsonville, CA

KBK Insurance Agency serves homeowners and renters in Watsonville, California, who are planning for the financial challenges of extended care needs. The agency helps clients understand their options for long-term care insurance coverage to protect assets and family security. This work involves reviewing personal circumstances and explaining policy features in a straightforward manner. Residents seeking professional guidance on these important insurance decisions can contact this Watsonville-based firm. KBK Insurance Agency also works with clients in nearby communities such as Freedom and the greater Pajaro Valley area.

UA
1426 Freedom Blvd STE 101
Universal Agency Insurance and Tax Service Inc
Long-Term Care Insurance Agent · Watsonville, CA

Serving Watsonville and the surrounding communities of Santa Cruz County, Universal Agency Insurance and Tax Service Inc handles long-term care insurance. This type of coverage helps clients plan for future needs like in-home assistance or skilled nursing facility stays. As a local agent, it guides individuals through policy options that address expected care costs. The company typically begins each engagement by reviewing a client’s financial situation and current health, then recommends appropriate coverage levels to fit their long-term planning goals.

HA
734 E Lake Ave STE 4
Huizar-Albor Insurance Agency Inc.: Allstate Insurance
Long-Term Care Insurance Agent · Watsonville, CA

Whether a client chooses a one-time policy review or an ongoing advisory relationship, Huizar-Albor Insurance Agency Inc.: Allstate Insurance in Watsonville, CA helps individuals evaluate long-term care insurance coverage options. Policies typically pay a daily benefit for in-home, assisted living, or nursing facility care. The agent explains how elimination periods, benefit amounts, and inflation riders affect out-of-pocket costs. Service appointments are available on either a one-time or as-needed basis, allowing clients to schedule consultations only when their situation changes.

ED
1919 Main St
Evan Darling - State Farm Insurance Agent
Long-Term Care Insurance Agent · Watsonville, CA

Evan Darling - State Farm Insurance Agent specializes in helping individuals plan for long-term care needs, offering policies that cover in-home care, assisted living, and nursing facility expenses. As a local agent in Watsonville, CA, they assist clients in evaluating their overall insurance portfolio, including auto, home, and life coverage. This focus on long-term care insurance is especially valuable for seniors who are considering their future health options as they age or after a major health event.

FI
1185 Freedom Blvd Ste 3
Farmers Insurance - Rafael Suarez
Long-Term Care Insurance Agent · Watsonville, CA

As winter approaches in Watsonville, many families begin planning for potential long-term care needs for aging relatives. Farmers Insurance - Rafael Suarez helps local residents navigate policies that cover home-based assistance and skilled nursing facility expenses. Their agents explain how long-term care coverage protects savings against the high costs of extended personal care support. The company responds to client questions about daily benefit amounts, elimination periods, and inflation protection options during an initial consultation. They schedule a preliminary review of individual health history and care preferences to begin the policy comparison.

CA
1091 S Green Valley Rd
Coast Auto Insurance
Long-Term Care Insurance Agent · Watsonville, CA

Coast Auto Insurance in Watsonville, CA, provides long-term care insurance services, helping local clients manage the costs of extended health and personal care needs. This agent specializes in policies that cover home health aides, assisted living, and nursing facility expenses. They offer personalized assessments to match clients with appropriate benefits for future care requirements. Coverage options can serve offices, warehouses, and food service businesses seeking long-term planning for their employees or individual policies.

LI
1469 Freedom Blvd
LIS Insurance Services
Long-Term Care Insurance Agent · Watsonville, CA

Serving residents of Watsonville, LIS Insurance Services provides personalized long-term care insurance guidance to individuals planning for future healthcare needs. The agency also assists local business owners in securing commercial long-term care coverage options for their employees and operations. Serving clients throughout the broader Santa Cruz County area, the team focuses on matching policy benefits to each client's specific financial and health situation. After an initial policy is in place, the office follows up at regular intervals to review coverage details and adjust plans as personal circumstances change.

CG
3 Hangar Way ste b
Chris George: Primerica - Financial Services
Long-Term Care Insurance Agent · Watsonville, CA
(831) 722-9993
reps.primerica.com/ca/watsonville/chris-george
FI
30 E 5th St Ste H
Farmers Insurance - Derek Diaz
Long-Term Care Insurance Agent · Watsonville, CA
(831) 319-4623
agents.farmers.com/ca/watsonville/derek-diaz
DS
405 Union St
Del Sol Insurance Services
Long-Term Care Insurance Agent · Watsonville, CA
(831) 254-1775
plazavigil.com
FI
445 Union St
Farmers Insurance - Juan Uribe
Long-Term Care Insurance Agent · Watsonville, CA
(831) 319-4024
agents.farmers.com/ca/watsonville/juan-uribe
AG
217 E Lake Ave Ste 1
Aurelia Gomez Ramirez Insurance Services
Long-Term Care Insurance Agent · Watsonville, CA
(831) 536-5656
agrinsuranceservices.net
HI
800 E Lake Ave
Hansen Insurance
Long-Term Care Insurance Agent · Watsonville, CA
(831) 722-9666
MH
575 Auto Center Dr
Mcsherry & Hudson: Duke Steven
Long-Term Care Insurance Agent · Watsonville, CA
(831) 724-3841
mcsherryandhudson.com
FI
116 Martinelli St STE 5
Farmers Insurance - Daniel Youngs
Long-Term Care Insurance Agent · Watsonville, CA
(831) 221-5588
agents.farmers.com/ca/watsonville/daniel-youngs

What Does a a Long-Term Care Insurance Agent in Watsonville Cost?

In California, long-term care insurance premiums vary widely based on age, health, and coverage level. A typical policy for a 55-year-old might cost between $1,500 and $3,500 per year. For a 65-year-old, annual premiums often range from $2,500 to $5,000. Costs increase with added benefits like inflation riders or shorter elimination periods. This is general information, not insurance advice.

About long-term care insurance agents in Watsonville

A long-term care insurance agent in Watsonville can help you explore policies that cover home care, assisted living, and nursing home costs. California offers the Partnership for Long-Term Care program, which allows policyholders to protect a portion of their assets if they need Medi-Cal. Working with a local agent ensures you understand how these plans fit your budget and health situation.

Frequently Asked Questions

What does a long-term care insurance agent in Watsonville do?

An agent explains policy options, helps compare premiums and benefits, and guides you through the application process. They can also clarify how California Partnership plans work to coordinate private insurance with Medi-Cal.

How do California Partnership plans affect my coverage?

California Partnership policies must meet state standards and offer inflation protection. They allow you to keep a dollar of assets for every dollar your policy pays out if you later need Medi-Cal. An agent can tell you if these plans are available in Watsonville.

Are there age limits for buying long-term care insurance in California?

Most insurers in California require applicants to be between 18 and 84 years old. Premiums are lower when you buy at a younger age. An agent can help you find carriers that accept your age group.

Long-Term Care Insurance Agents in Other California Cities

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