Insurance for San Clemente & Coastal Living
San Clemente, the Spanish Village by the Sea, is Orange County's southernmost city, known for its pier, Spanish Colonial architecture, and world-class surf. We help San Clemente homeowners, drivers, and business owners protect life on the coast.
As a licensed independent insurance agency, Thrifty Insurance Services is not tied to a single insurance company. We compare policies from a network of top-rated carriers, explain your options in plain language, and help you choose coverage that makes sense for you. Our Irvine office serves San Clemente customers at 16510 Bake Pkwy, Irvine, CA 92618, and we can handle most quotes and policy changes by phone or online. Call (909) 931-1777 today. Se habla español.
Our Insurance Services in San Clemente
Explore personal, specialty, and commercial insurance options for your needs.
Personal Insurance
Protect your San Clemente home, cars, and belongings with homeowners and auto policies compared across multiple carriers, including coastal and ocean-view properties where accurate rebuilding cost estimates matter most.
Auto Insurance Homeowners Insurance
Specialty Insurance
Coverage for the things you enjoy most, from motorcycles and RVs to boats and personal watercraft, plus umbrella insurance that adds extra liability protection above your auto and home limits.
Motorcycle insurance RV & toy vehicle insurance watercraft & boat insurance umbrella insurance .
Commercial Insurance
From surf shops and restaurants to contractors and home-based businesses, we help San Clemente business owners protect their operations and employees.
General Liability Explore Business CoverageCoverage Built Around Life in San Clemente
Local lifestyles can bring specific insurance considerations. We help you review coverage with your home, commute, family, or business in mind.
Coastal Homes
Homes near the ocean can face salt-air wear and higher rebuilding costs. We review your dwelling limits to help keep them up to date.
Military Families
With Camp Pendleton nearby, many households are military or veteran families. We compare carriers that may offer military-related discounts.
I-5 Commuters
For residents commuting north on I-5, we help you choose auto liability limits that fit your driving needs and daily routine.
Surf & Beach Businesses
Local shops and restaurants serve tourists and residents alike. We help business owners consider protection against everyday liability claims.
Serving San Clemente & Coastal Orange County
Our Irvine office at 16510 Bake Pkwy, Irvine, CA 92618 serves San Clemente customers. We can help by phone or online, so you do not need to make the trip for every quote or policy change.
Call for a Free Quote
Don't leave your protection to chance.
Rely on Thrifty Insurance Services to find coverage for your car, home, motorcycle, boat, RV, or business in San Clemente and across coastal Orange County. We will compare your options and help you choose coverage that fits your situation and your budget.
Stop by our Irvine office at 16510 Bake Pkwy, request an instant quote online, or call us at (909) 931-1777. Our team is ready to help in English and Spanish.
Visit or contact us:
Irvine Office
16510 Bake Pkwy, Irvine, CA 92618
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Office Hours
Monday–Friday, 9 AM–6 PM; Saturday, 10 AM–2 PM
Ready to Compare Your Options?
Request a QuoteHave Questions? We've Got Answers.
Yes. Our Irvine office at 16510 Bake Pkwy, Irvine, CA 92618 serves San Clemente customers. We are open Monday through Friday, 9 AM to 6 PM, and Saturday, 10 AM to 2 PM, and can also help by phone or online.
We offer auto, homeowners, motorcycle, RV and toy vehicle, watercraft and boat, and umbrella insurance for individuals and families, plus general liability, commercial auto, and workers' compensation insurance for businesses.
No. Standard homeowners policies exclude flood damage. If your home is in or near a flood-prone area, ask us about separate flood coverage options.
We insure boats and personal watercraft and can help you bundle them with your other policies where carriers allow it.
Find Insurance Coverage for Life in San Clemente
We'll compare your options, explain the details, and help you find coverage that works for your needs and budget.
Contact our Irvine office by phone or online for help with your San Clemente insurance needs.
Serving San Clemente and communities throughout coastal Orange County.