Santa Monica has 91,169 residents in 47,297 households. We list 27 insurance agencies in Santa Monica. Here is what the local numbers say about the cover people here need.

Santa Monica at a glance

27insurance agencies listed
72.1%of households rentRenters insurance
$1,755,500median home valueHome insurance
1968median year homes were builtRebuild cost calculator
11.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Los Angeles County

FEMA rates the overall natural hazard risk in Los Angeles County, where most Santa Monica agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
EarthquakeVery High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
WildfireVery High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Santa Monica
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Santa Monica
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Santa Monica

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Santa Monica agencies work with

Of the 14 Santa Monica agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

The Hartford5 agencies
Blue Cross Blue Shield3 agencies
Corebridge (AIG Life)3 agencies
Liberty Mutual3 agencies
Mutual life carrier3 agencies
Safeco3 agencies
Ameritas Life Insurance2 agencies
AmTrust2 agencies
Chubb2 agencies
Cigna2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Santa Monica agencies can write

Share of the 27 agencies listed in Santa Monica that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Santa Monica agencies are

Santa Monica agencies we list sit in 5 ZIP codes, mostly in Los Angeles County.

904019 agencies
904058 agencies
904034 agencies
904044 agencies
904022 agencies

Questions

Insurance agencies in Santa Monica

How do I find an insurance agency in Santa Monica?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Santa Monica?

Most often general liability, home, business owners policy (bop), auto, workers' compensation. Pick a type in the filters to narrow the list.

Which insurance companies do Santa Monica agencies work with?

Among the 14 Santa Monica agencies whose appointments we hold, the companies they are most often appointed with are The Hartford (5), Blue Cross Blue Shield (3), Corebridge (AIG Life) (3), Liberty Mutual (3), Mutual life carrier (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Santa Monica?

FEMA's National Risk Index rates inland flooding risk in Los Angeles County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Santa Monica?

72.1% of households in Santa Monica rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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