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Home Insurance

Protect Your Home and Everything In It.  

Ranch and Coast Insurance SVCS is committed to helping every client get quality insurance benefits that will protect them in all parts of their lives. If you are a homeowner, or are embarking on the journey of buying your first home, then you must adequately insure the property with a home insurance plan that is customized to fit your precise needs.  

So, choose us as your local homeowners insurance agency, and you’ll get access to a network of top-rated policies. We’re here to help you sift through the myriad of policy options on the market to find you the perfect coverage solutions.  

Call us at 858.756.8400 or request your free quote now. 

Common Homeowners Insurance Questions 

What is home insurance? 

Your home represents one of the most important and expensive investments that you will ever make. That value alone is worth protecting, and homeowners insurance will help you do so.  

You never know when a hazardous event—a house fire, break in, severe storm—might occur in your home, cause damage and put you in a very tricky situation. You will want to make the necessary repairs to your property without a huge financial strain, however. Homeowners insurance will pay your recovery costs on your behalf. That way, you can rest assured that you will be able to move on from life’s challenges without costing yourself an arm and a leg. 

What does home insurance cover? 

Homeowners insurance policies offer a diversity of benefits, each designed to offer targeted protection for a diversity of unexpected, unavoidable issues. These include: 

  • Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards. 

  • Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage. 

  • Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems. 

  • Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property. 

  • Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills. 

Plus, because your home is unique, you can further tailor your benefits with more unique options like: 

  • Scheduled items riders 

  • Replacement cost value possessions coverage 

  • Umbrella liability insurance 

  • Flood insurance 

  • Earthquake and windstorm endorsements 

  • Pet liability insurance 

We will always customize your plan to your advantage by helping you tailor your deductibles and overall coverage limits. 

How much home insurance do I have to buy? 

Most mortgage lenders require homebuyers to purchase homeowners insurance before they will approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value.  

Regardless of any coverage requirement, however, you should always carry this benefit as part of your comprehensive personal insurance package. 

What does home insurance cost? 

Multiple factors could influence the cost of your home insurance, including: 

  • The value of the home 

  • The home’s location 

  • Your credit score  

  • Security features in the home 

  • Your chosen policy and coverage limits 

Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work one-to-one with you to determine the best ways to get your home the coverage it deserves, but at prices you can afford. 


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Our Location

Ranch and Coast Insurance Services

Ranch and Coast Insurance Services

6119 La Granada Ste C
P.O. Box 2151
Rancho Santa Fe, CA 92067
Main office: 858-756-8400
Fax: 760-692-9971

Our Providers


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.