Insurance,
shopped for you.
Independent brokers comparing carriers for California homes, autos, rentals, and hard-to-insure properties.
Why work with an independent agency?
We work for you, not for one insurance company. We’re a local team in San Juan Capistrano. Tell us what you need and we’ll do the shopping.
We shop the market
We compare options from multiple carriers and explain the differences in coverage, not just price.
Tough California properties
Wildfire areas, older homes, high-value homes, and properties other agents turn away.
A local team you can call
We’re the sister company of Mares Mortgage, which has served South Orange County since 1993.
Insurance shopping, made simple
A licensed broker does the comparing for you, then walks you through the options.
Request a quote
Start online or call (949) 525-0570 and tell us what you’d like to insure.
We shop carriers
A licensed broker reviews your request, may ask a few questions, then compares carriers for you.
Choose your policy
Pick the option that fits. You’re covered once you choose a policy and the carrier confirms it.
Talk to a local broker
Call (949) 525-0570 or email info@maresinsurance.com. Office hours are Mon–Fri 9 AM–4 PM; weekends by appointment.
What happens after I submit a quote request?
Your request goes to our team, and a licensed broker reviews it. We may contact you for a few more details, then shop carriers and walk you through your options. You're not covered until you choose a policy and the carrier confirms it.
My carrier sent a non-renewal. What now?
Call us as soon as you get the notice, so there's time to shop before your policy ends. We'll look for a new carrier, and if the regular market won't write the home, we'll walk you through the FAIR Plan and DIC options.
What are the FAIR Plan and DIC?
The California FAIR Plan is the state's insurer of last resort and mainly covers fire. A Difference in Conditions (DIC) policy from another carrier can add coverage the FAIR Plan leaves out, such as liability, water damage, and theft. Together they can work like a full homeowners policy, though terms vary by carrier.
I'm closing on a home. How do I get proof of insurance?
Your lender needs proof of insurance that lists their mortgagee clause and your loan number before closing. Send us your lender's details and closing date as early as you can, and we'll coordinate with your lender and escrow. Lenders and escrow officers can use our Lenders & Escrow page.
Contact us
Call, email, or stop by our San Juan Capistrano office. Send a message and a licensed broker will get back to you.