Insurance Agent Serving Huntington Beach, CA
Your Farmers agent for Huntington Beach, California
Auto, home, flood, boat, life, and business coverage, handled by phone, text, and email from our Ontario office.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteHuntington Beach, known as Surf City USA, is home to the Huntington Beach Pier, Main Street, Bolsa Chica, and the waterfront homes of Huntington Harbour. Living near the coast changes what your home coverage should include. Most of our Huntington Beach clients handle everything with us by phone, text, and email.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30, visits by appointment
Phone: (909) 972-0699
Coverage we write for Huntington Beach residents
Auto
Huntington Beach drivers use the I-405 and Pacific Coast Highway, with heavy beach traffic on summer weekends. We help you choose liability limits and coverages that fit how you drive.
Auto coverageHomeowners
From beach-area homes downtown to Huntington Harbour and inland neighborhoods, we review dwelling limits and replacement cost with you.
Home coverageFlood
Standard home policies do not cover flood damage. Low-lying coastal and harbor areas make flood coverage worth a look. We write both NFIP and private flood.
Flood coverageBoat and Watercraft
Coverage for boats, personal watercraft, and the liability that comes with them.
Boat coverageRenters and Condo
Protect your belongings and personal liability, and close the gaps in your HOA's master policy.
Renters coverageLife
Protect your family's income and mortgage with life coverage built around your budget.
Life coverageCoverage for Huntington Beach businesses
We work with Huntington Beach business owners, from restaurants and shops along Main Street to contractors and service businesses across the city, on liability, property, commercial auto, and workers' comp.
Business Insurance
General liability, property, and business owner policies for shops, offices, and service businesses.
Business coverageWorkers' Compensation
California requires employers with employees to carry workers' comp, even with just one employee.
Workers' compRestaurants
Liability, property, and workers' comp for restaurants, cafes, and bars.
Restaurant coverageWhy Huntington Beach residents work with Young Douglas
Real people, not a call center
You get a licensed agent who knows your policies, by phone, text, or email. When something happens, you call people who know you.
More than one company
We are a Farmers agency and are also appointed with other carriers, so if one company says no, we keep looking.
Help with California's changing rules
California raised its minimum auto liability limits to 30/60/15 starting January 1, 2025, and the home insurance market has tightened for many homeowners. We keep you informed when changes affect your coverage.
Huntington Beach neighborhoods and ZIP codes we serve
We serve all of Huntington Beach, including Downtown, Huntington Harbour, and the neighborhoods near Bolsa Chica and Central Park, in ZIP codes 92646, 92647, 92648, and 92649. We also help clients in nearby Long Beach, Santa Ana, and Irvine.
Curious what coverage might cost first? Try our insurance cost estimator.
Frequently asked questions
Can an Ontario Farmers agent help me if I live in Huntington Beach?
Yes. Farmers Insurance, Young Douglas serves clients across California. Most Huntington Beach clients work with us by phone, text, and email, and in-person meetings at our Ontario office (3602 Inland Empire Blvd #C330, Ontario, CA 91764) are available by appointment.
Does homeowners insurance cover flooding in Huntington Beach?
No. Standard homeowners policies exclude flood damage. Flood coverage is a separate policy through the National Flood Insurance Program or a private flood carrier, and NFIP policies usually have a 30-day waiting period.
What are the minimum car insurance limits in California?
Since January 1, 2025, California requires at least $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage (30/60/15). Many drivers choose higher limits for better protection.
Do I need workers' comp if my Huntington Beach business has only one employee?
Yes. California requires employers to carry workers' compensation for their employees, even if you have only one.
Can I bundle home and auto insurance in Huntington Beach?
Yes. Bundling home or renters coverage with auto is common and may qualify you for a multi-policy discount.
Get your free Huntington Beach quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
All areas we serve
Farmers Insurance, Young Douglas serves drivers, homeowners, families, and businesses across California, including Long Beach, Anaheim, Irvine, Santa Ana, Huntington Beach, Santa Clarita, Glendale, Pasadena, and the Inland Empire from our home office in Ontario.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.