Our offices
Insurance in Morro Bay
Our Morro Bay office is on Morro Bay Blvd, in the heart of a working coastal town. Salt air, older homes, and harbor businesses come with their own insurance questions, and we answer them in person.
The Morro Bay office
750 Morro Bay BlvdMorro Bay, CA 93442
Serving the coast from this office since 2024.
An authorized Farmers Insurance agent in Morro Bay, with brokered carriers for the risks Farmers cannot write.
Get directions → (opens in new tab)Reach us
805-548-8530 Main line, rings all three offices.
[email protected] Shared team inbox.
Mon–Fri, 9am–5pm Closed Thursdays 10:45am–1pm for team training.
Local knowledge
What we handle in Morro Bay
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Coastal homes, honestly assessed
Morro Bay’s housing stock skews older and closer to the water than most of the county. Roof age, plumbing, and upkeep drive both eligibility and price in today’s California market, and we walk through all of it before it becomes a surprise.
Why roof age matters so much → -
Working waterfront businesses
From the Embarcadero to the fish houses, coastal businesses carry real liability and property exposure. We write coverage for the shops, restaurants, and services that keep the harbor working.
Commercial coverage we write → -
Earthquake and flood, answered plainly
Standard home policies cover neither earthquakes nor floods. On the coast, both questions deserve a real answer rather than a shrug, and both coverages can be added alongside your home policy.
Earthquake coverage on the Central Coast →
Everything under one roof
Every office writes the full book: personal insurance for auto, home, renters, umbrella, earthquake, and flood; commercial coverage for businesses of all sizes; life insurance; and annuities and retirement income planning. Farmers when they accept the risk, brokered carriers when Farmers cannot write it.
And while we love a walk-in, the office is a home base, not a boundary. We are licensed across California and serve clients statewide, from Morro Bay and neighbors like Cayucos, Los Osos, and Cambria to households at the other end of the state.
Talk to the Morro Bay team
Start online or just call. Either way you end up with a local agent, not a call center.