Insurance Agent Serving San Jose, CA
Your Farmers agent for San Jose, California
Auto, home, earthquake, flood, life, and business coverage, handled by phone, text, and email.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteSan Jose is the largest city in the Bay Area, with neighborhoods like Willow Glen, Rose Garden, Almaden Valley, Evergreen, Berryessa, and Japantown. Home values here are among the highest in the state, and the city sits near the Hayward and Calaveras faults, so replacement cost and earthquake coverage matter more than most places. Our team works remotely and serves San Jose 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 Jose residents
Auto
San Jose drivers use US-101, I-280, I-680, I-880, and SR-87 every day. We help you choose liability limits and coverages that fit how you drive.
Auto coverageHomeowners
With high rebuilding costs, the right dwelling limit is critical. We review replacement cost with you so your coverage keeps up with your home.
Home coverageEarthquake
Standard home, condo, and renters policies do not cover earthquake damage. We compare California Earthquake Authority and private earthquake options.
Earthquake coverageFlood
Standard home policies do not cover flood damage. Homes near creeks, like the neighborhoods flooded by Coyote Creek in 2017, should consider it. We write both NFIP and private flood.
Flood coverageRenters and Condo
Protect your belongings and personal liability, and close the gaps in your HOA's master policy.
Condo coverageLife
Protect your family's income and mortgage with life coverage built around your budget.
Life coverageCoverage for San Jose businesses
We work with San Jose business owners, from tech startups and professional offices to restaurants, shops, and contractors, on liability, property, cyber, 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' compCyber Liability
Help with the costs of a data breach or cyberattack, including notification and recovery.
Cyber coverageOffices and Professional Services
Coverage built for consultants, agencies, and professional offices.
Office coverageWhy San Jose 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 Jose neighborhoods we serve
We serve all of San Jose, including Downtown, Willow Glen, Rose Garden, Almaden Valley, Evergreen, Berryessa, and Japantown, plus the rest of Santa Clara County. We also help clients in San Francisco and Oakland.
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 Jose?
Yes. Farmers Insurance, Young Douglas serves clients across California. Our team works remotely, so San Jose 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 earthquake damage in San Jose?
No. Standard homeowners, condo, and renters policies exclude earthquake damage. You can add it as a separate policy through the California Earthquake Authority or a private carrier.
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 Jose 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 Jose?
Yes. Bundling home or renters coverage with auto is common and may qualify you for a multi-policy discount.
Get your free San Jose 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.