
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.
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 Maria, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Santa Maria, California.








