Home insurance in Rancho Santa Fe, CA

Every Rancho Santa Fe ZIP code, hardest first

Fire zones and flood zones differ house to house. Check a Rancho Santa Fe address for the zones at the house itself.

Who's taking new customers

These large insurers say they're writing new homeowners policies in California (statewide; each decides home by home): Farmers, Mercury, CSAA (AAA Northern California), USAA, California Casualty, Pacific Specialty, PURE (high-value homes), MS Transverse (new entrant). Each ZIP code page above lists the companies the state shows for that ZIP code, with phone numbers. Who's still writing in California.

Common questions about home insurance in Rancho Santa Fe

Can you get home insurance in Rancho Santa Fe?

All 2 of its ZIP codes are rated Hardest to insure. About 22% of insured homes are on the FAIR Plan, the state's insurer of last resort. Private insurers are still writing in much of California; each decides home by home, and the California FAIR Plan is the backup if none will.

Which Rancho Santa Fe ZIP code is hardest to insure?

92067, with about 23% of insured homes on the FAIR Plan. The easiest is 92091, at about 19%.

How much is the FAIR Plan in Rancho Santa Fe?

The average FAIR Plan premium for an owner-occupied home in Rancho Santa Fe is about $6,566 a year, for fire coverage only (California FAIR Plan Association, June 2026). Most owners add a separate policy for theft, water damage and liability.

Is Rancho Santa Fe under a wildfire moratorium?

No wildfire non-renewal moratorium covers Rancho Santa Fe right now. Insureability checks the Department of Insurance's bulletins every day.

Updated October 26, 2026. General information, not insurance or legal advice. Insureability is not an insurance company, agency or broker and doesn't recommend insurers.