Local San Diego, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, wildfire, and flood insurance in San Diego, California
San Diego runs from Pacific beaches and coastal bluffs to inland mesas cut by brush-filled canyons. Many neighborhoods back directly onto open space, and the city is home to a large military community and a busy international border crossing at San Ysidro.
Homeowners insurance along the canyons
Homes on canyon rims and in the inland communities carry wildfire exposure. The 2003 Cedar Fire and 2007 Witch Fire both reached city neighborhoods, and carriers look closely at brush clearance and roof type. We shop homeowners coverage across carriers for coastal and inland homes alike.
Flood insurance beyond the beach
The January 2024 storms flooded homes along Chollas Creek in neighborhoods such as Southcrest, a reminder that flooding here is not limited to the coast. A standard home policy does not cover flood, so we quote flood insurance for homes in and out of mapped zones.
Autos, renters, and earthquake coverage
Freeway commutes on I-5, I-8, I-15, and the 805 shape auto insurance needs, and drivers who cross into Mexico should check how their policy responds before they go. We also write renters insurance for military families and other tenants, condo coverage, and earthquake insurance, which is separate from a standard home policy.
Your insurance team for San Diego, California
We work with San Diego households and business owners, and also serve nearby Chula Vista, La Mesa, El Cajon, and Escondido, along with communities across California.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.
We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.
"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
Elye Insurance
Your trusted insurance advisor in San Diego, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in San Diego, California.
