Home, Auto, and Business Insurance in Rancho Santa Fe, CA

Ranch and Coast Insurance Services, is a risk management and insurance firm that protects your assets by eliminating gaps and redundancies in your coverage. We do this through a process of review, design, implementation, and maintenance. We provide peace of mind through simple, organized, and efficient solution.

We are located in Rancho Santa Fe, CA and proudly serve clients throughout Southern California, Florida, Texas, Arizona, and Colorado. Our products range from home, auto, and business to any of the unique needs you may have.

Serving Southern California’s Unique Business Insurance Needs with E&O Insurance, D&O Insurance, Winery Insurance, and More; and Unique Personal Insurance Needs with Equine, and High Risk Home Insurance

We are able to write many types of insurance policies for individuals and businesses. All of our client’s policies are mailed to our office, organized based on their preference, and hand delivered. Once you are with our firm, you will work with one agent throughout the life of your account.

Our team of agents are able to create individualized policies for every customer including startup companies, contractors, and restaurants. This is due to our established relationships with providers like Chubb, PURE, and AIG who give us the ability to shop for competitive rates on behalf of our customers.

We also offer niche products like Errors and Omissions (E&O) Insurance, Directors and Officers (D&O) Insurance, equine insurance, international insurance, and insurance for aircraft, large yachts, and charters. We also insure high risk homes, and homes that are being “flipped”.

Local SoCal Agents Providing Excellent Insurance Service

We make ourselves available by phone, email, and text—it is our standard to respond to all communication within 24 hours. We keep track of all policies and perform annual reviews 30-60 days prior to the renewal date to make sure everything is accurate and up to standards.

Clients like our boutique feel because we make doing business easy and efficient. We go above and beyond so you can focus on what you need to and leave the rest to us. We truly care about the people we work with and take the time to give our clients the best service.

Call or contact us to learn more. To get started on a policy, request a quote.

Additional Resources

Our Location

Ranch and Coast Insurance Services

6119 La Granada Ste C
P.O. Box 2151
Rancho Santa Fe, CA 92067

Phone Number:

Main office: 858-756-8400
Fax: 760-692-9971

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.