Insurance Agent Serving San Diego, CA
Your Farmers agent for San Diego, California
Auto, home, flood, earthquake, life, and business coverage, handled by phone, text, and email.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteSan Diego stretches from the beaches of La Jolla and Pacific Beach to North Park, Hillcrest, Mission Valley, Clairemont, Mira Mesa, and Rancho Bernardo, with a large military community and canyon neighborhoods throughout. Coastal living, canyon wildfire risk, and the flooding that hit parts of the city in January 2024 all shape what good coverage looks like here. Our team works remotely and serves San Diego clients 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 San Diego residents
Auto
San Diego drivers use the I-5, I-8, I-15, I-805, and SR-163 every day. We help you choose liability limits and coverages that fit how you drive.
Auto coverageHomeowners
From canyon-rim homes to beach cottages, we review dwelling limits, replacement cost, and wildfire exposure with you.
Home coverageFlood
Standard home policies do not cover flood damage, and heavy storms can flood neighborhoods that were never in a high-risk zone. We write both NFIP and private flood.
Flood coverageEarthquake
Standard home policies do not cover earthquake damage. We compare California Earthquake Authority and private earthquake options.
Earthquake coverageRenters and Condo
Protect your belongings and personal liability, and close the gaps in your HOA's master policy.
Renters coverageBoat and Watercraft
Coverage for boats, personal watercraft, and the liability that comes with them.
Boat coverageCoverage for San Diego businesses
We work with San Diego business owners, from restaurants and shops in the Gaslamp Quarter and North Park to contractors and service companies across the county, on liability, property, commercial auto, and workers' comp. See our San Diego business insurance page for more.
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, breweries, cafes, and bars.
Restaurant coverageContractors
Coverage for electricians, HVAC, plumbers, landscapers, and other trades.
Contractor coverageWhy San Diego 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.
San Diego neighborhoods we serve
We serve all of San Diego, including Downtown and the Gaslamp Quarter, La Jolla, Pacific Beach, North Park, Hillcrest, Mission Valley, Clairemont, Mira Mesa, and Rancho Bernardo, plus the rest of San Diego County. We also help clients up the coast in Irvine and Huntington Beach.
Curious what coverage might cost first? Try our insurance cost estimator.
Frequently asked questions
Can a Farmers agent based in Ontario help me if I live in San Diego?
Yes. Farmers Insurance, Young Douglas serves clients across California. Our team works remotely, so San Diego clients work with us by phone, text, and email, and in-person meetings at our Ontario office are available by appointment.
Does homeowners insurance cover flooding in San Diego?
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 San Diego 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 San Diego?
Yes. Bundling home or renters coverage with auto is common and may qualify you for a multi-policy discount.
Get your free San Diego 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 Los Angeles, San Diego, San Jose, San Francisco, Oakland, Sacramento, Fresno, Bakersfield, 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.