Local Santa Maria, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, farm, and auto insurance in Santa Maria, California
Santa Maria is the largest city in Santa Barbara County, sitting in a broad valley known for strawberries, vineyards, and Santa Maria-style barbecue. Vandenberg Space Force Base is a short drive to the southwest.
Homeowners and renters insurance
Santa Maria has a mix of older homes, newer subdivisions, and many rentals. We shop homeowners coverage across carriers and write renters insurance for tenants, including military and space industry families from Vandenberg.
Earthquake, flood, and wildfire
Faults run throughout the Central Coast, and a standard home policy does not cover earthquake. Homes near the Santa Maria River can also flood in big storms, and brush areas on the edges of the valley carry wildfire risk. We quote earthquake insurance and flood insurance separately.
Farms, autos, and businesses
We insure farms and vineyards, produce trucking, restaurants, and other local businesses, along with auto insurance for drivers on Highway 101 and Highway 166.
Your insurance team for Santa Maria, California
We work with Santa Maria households and business owners, and also serve nearby Orcutt, Nipomo, Guadalupe, Lompoc, and Arroyo Grande, 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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Don’t see your business? Tell us what you do.
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 Maria, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Santa Maria, California.