Farmers Insurance Agent in Santa Barbara, CA
As a resident of the Santa Barbara County area for the last 25 years, I'm proud to be your local Farmers Insurance® Agent. Stop by today or we can visit you at your home, to discuss all of your coverage options for business, commercial, home, and auto insurance.
I have 25 years of experience running my own businesses and non-profits. I run this agency with the vision of truly putting people first. I don't just want to sell you a product. I want to serve as a friend and insurance advisor, here to walk you through everything and make sure that you're properly covered.
We have recently remodled our office to create a welcoming and friendly atmosphere. With customer service being such a focus for us, we have homemade brownies and cookies waiting for you when you walk through the door.
We also offer free notary and asset substantiation at our office located above Rabobank on Carpinteria St, just off of the Milpas Roundabout.
Stop by today or we can visit you at your home, to discuss all of your coverage options for business, commercial, home, and auto insurance!
Give me a call at (805) 965-2729 and I'll be happy to answer any questions you might have.
Languages Spoken: English
Insurance Products Offered
Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.
Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years, and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Plus, get competitive rates with our multi-line insurance discounts. Get a Home insurance quote now.
How much has your life changed in the last few years? Whether you've purchased a home, gotten married, had children or started a small business, it's a good idea to review your Life insurance policy. Call me today so you can create a plan to help provide financial support for those who depend on you.
Your landlord may have an insurance policy, but if there's a fire in your building, that policy may not cover your possessions. That's why there's Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.
As a motorcycle enthusiast, you're all about adventure and fun. The last thing you want to worry about is whether you have the right Motorcycle insurance policy. Talk to a Farmers agent about Motorcycle insurance discounts such as rewards for responsible riders and insuring more than one bike with Farmers.
When enjoying the great outdoors, you shouldn't have to be thinking about your insurance coverage. Make sure you have Recreational insurance coverage from an industry leader. Whether you own a boat, travel trailer, ATV or Motor Home, Farmers Insurance has flexible coverage options and insurance discounts. Contact a Farmers agent to get a quote.
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
Ask Me About:
Your business, real estate holdings and other assets could be wiped out with just one lawsuit. Many people are surprised to learn they are more “at risk” than they realize.
Think you are exempt or just not sure you need personal liability insurance?
If any of the following apply to your present life situation then chances are you are at greater risk than you realize:
• You are employed or work in a high-risk professional occupation including private practice or own your own business.
• You own valuable assets including land, rental property or other investments.
• You have a teen or young adult at home or in college; remember, you are responsible for their liabilities until they reach adulthood… including auto accidents or other functions that could put your property at risk.
• You sit on the board of directors, advisory board or other position for a corporation or not-for-profit agency.
Personal liability insurance is affordable and a great safe-guard from potential lawsuits or claims against personal and/or family assets and holdings above and beyond those covered by standard auto, malpractice or homeowners policies.
One of the most affordable types of insurance available, personal liability policies cost between $200 and $450 annually for $1 to $2 million in coverage.
To calculate the size of your policy simply add up all of your assets including financial, real estate, cash or other valuables then subtract the amount of your current coverage. The remaining figure should be the basis of your coverage.
Be sure to take inflation and recent appraisal values into account by speaking with me.
Fire insurance covers four basic areas:
This is the main structure or actual home or dwelling. In the event of a loss due to fire, the actual cash value minus deductibles would be covered. It is possible to purchase additional coverage for other hazards as well as replacement value and updates required to restore the home to the former value due to code or ordinance changes.
Other structures commonly included in a fire policy include a shed, a detached garage or even a greenhouse.
Personal property may or may not be covered, depending upon the type of fire policy purchased. In most cases, owner-occupied residential real estate would include some portion of personal property, whereas investment or rental dwellings would not.
Loss of Use
Loss of use assists homeowners in securing safe housing while the property is being restored or repaired after a covered loss. Remember, even if you are unable to live in the home, you will still be required to make mortgage payments; loss of use helps you avoid the possibility of making double payments for rent and mortgage in the event you are unable to occupy the dwelling. Investment properties may be eligible for additional protection that provides a replacement income in the event of a major loss or extensive repairs.
Remember, fire insurance may not cover all known perils, such as flood, earthquake or hurricane-related damages. If you live in an area prone to natural disasters, it is a good idea to speak with your agent about additional coverage options that provide complete protection. Otherwise, fire insurance is often an affordable policy choice, especially for those with second homes, investment properties or other structures that require basic coverage without a high price.
Here at our office, we use a contractor's formula to calculate policy pricing. $400 per square foot.
In a best-case scenario, you’re able to manage an injury so employees can get back to work as quickly as possible. We at Farmers® have highly specialized workers’ compensation services that are happy to help.
A workers’ compensation policy can address medical care and lost income for your employees, death benefits for survivors, and your potential liability for covered claims.
You’ve worked hard for your car, home, savings — your success. And personal umbrella coverage can help you protect these assets from the unexpected.
You might be surprised how inexpensive Umbrella Insurance really is to cover your home or business.
- October 4, 2018Rating 5.0Melissa is wonderful and has been a great help. I am so happy!!!
- July 2, 2018Rating 5.0Melissa Martinez has taken care of our insurance needs for years. She gives excellent service. I stay with Farmers because of Melissa.You can always count on her!
- June 10, 2018Rating 5.0Melissa was very nice and professional. I was able to bind a policy very quickly.