Santa Cruz, California insurance
Auto and home insurance in Santa Cruz, Santa Cruz County - including the hard-to-place risks standard carriers decline.
A coastal city below the redwood-covered Santa Cruz Mountains, which burned in the 2020 CZU Lightning Complex. Fire, coastal flood, and earthquake risk all run high.
Insurance in Santa Cruz
Wildfire is often the deciding factor in whether a home can be insured in the Santa Cruz area of Santa Cruz County. When carriers decline or non-renew here, we turn to surplus lines wildfire markets and California FAIR Plan coverage paired with a difference-in-conditions wrap for broader protection.
the Santa Cruz area of Santa Cruz County sits in a seismically active area, and because standard home policies exclude earthquakes, separate earthquake coverage is worth considering.
Flooding is a real consideration in the Santa Cruz area of Santa Cruz County, and since standard home policies exclude flood, separate flood coverage may be needed for exposed properties.
Coverage we place in Santa Cruz
- Non-standard and SR-22 auto insurance
- Homeowners, condo, renters, and landlord coverage
- Wildfire and FAIR Plan solutions for hard-to-insure homes
- Auto and home bundles
Santa Cruz is part of Santa Cruz County. See our Santa Cruz County insurance page for more on regional risks and coverage.
Santa Cruz insurance FAQ
Can I insure a home in Santa Cruz if it is in a fire zone?
Often yes. Given the fire exposure in Santa Cruz County, we shop admitted carriers, surplus lines wildfire markets, and the FAIR Plan plus a difference-in-conditions wrap to insure hard-to-place Santa Cruz homes.
Do you cover SR-22 and non-standard drivers in Santa Cruz?
Yes. We specialize in non-standard auto in Santa Cruz, including SR-22 filings and drivers with tickets, a DUI, a lapse, or a foreign license, often with same-day filing.
Is a quote in Santa Cruz free?
Yes. We are an independent broker paid by carriers, so quoting and shopping your Santa Cruz coverage is free and puts you under no obligation.
Get a free quote in Santa Cruz
Turned down elsewhere? That is exactly who we help. Tell us what you need and a licensed California agent will reach out with real options.
Prefer to talk? Call (916) 469-5253.