Local Santa Barbara, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, wildfire, and high-value home insurance in Santa Barbara, California
Santa Barbara sits between the Santa Ynez Mountains and the Pacific, with Spanish-style architecture rebuilt after the 1925 earthquake destroyed much of downtown. Its foothill neighborhoods, Montecito, and the coast are some of the most valuable real estate in the state.
Wildfire and debris flow risk
The 2017 Thomas Fire burned the hills above the city, and in January 2018 rain on the burn scar sent deadly debris flows through Montecito. Earlier fires, such as the 2008 Tea Fire and 2009 Jesusita Fire, destroyed hundreds of homes. Carriers look closely at brush clearance and roof type, and we help homeowners compare private options and the FAIR Plan.
High-value homes and earthquake coverage
We write high-value home coverage for larger homes and estates, and homeowners and condo policies across the area. Earthquake and flood insurance are separate from a standard home policy, and both matter here.
Autos, umbrella, and businesses
We add auto and umbrella coverage for families, and we insure restaurants, hospitality, and other local businesses along State Street and beyond.
Your insurance team for Santa Barbara, California
We work with Santa Barbara households and business owners, and also serve nearby Goleta, Montecito, Carpinteria, Summerland, and Isla Vista, 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 Santa Barbara, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Santa Barbara, California.
