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.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, 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.