Home insurance in San Marcos, CA

Every San Marcos ZIP code, hardest first

Fire zones and flood zones differ house to house. Check a San Marcos 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 San Marcos

Can you get home insurance in San Marcos?

All 2 of its ZIP codes are rated Harder to insure. About 11% 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 San Marcos ZIP code is hardest to insure?

92078, with about 13% of insured homes on the FAIR Plan. The easiest is 92069, at about 9%.

How much is the FAIR Plan in San Marcos?

The average FAIR Plan premium for an owner-occupied home in San Marcos is about $2,580 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 San Marcos under a wildfire moratorium?

No wildfire non-renewal moratorium covers San Marcos 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.