D and R Insurance Services | Auto & Home Insurance

About Us

D and R Insurance Services is an independent insurance agency located in the heart of downtown Santa Cruz. The team’s mission is to provide clear, personalized insurance solutions that protect families, homes, and vehicles. They pride themselves on transparent communication, prompt service, and a commitment to finding the right coverage at the right price.

Licensed in California (license number: contact the agency directly to confirm). ⚠️ Estimated info — Please confirm by contacting the business directly

🛡️ Insurance Services Offered

The agency offers a full suite of personal insurance products:

• Auto Insurance – Liability, collision, comprehensive, uninsured motorist, and high‑risk coverage.
• Home Insurance – Protection for single‑family homes, including dwelling, personal property, and liability.
• Condo Insurance – Coverage for condo owners that fills gaps left by HOA policies.
• Renters Insurance – Affordable personal‑property and liability protection for renters.

💡 Why Choose Us

Clients choose D and R Insurance Services for three key reasons:

• Local expertise – Deep knowledge of Santa Cruz’s unique risk factors and insurance market.
• Independent representation – Ability to shop multiple carriers, including Mercury Insurance, to find the best fit.
• Positive client feedback – Reviews consistently highlight friendly agents, fast response times, and clear explanations of policy options.

🤝 Our Carriers

D and R works with a range of reputable carriers to provide competitive rates and flexible options. The primary carrier highlighted is:

• Mercury Insurance

Additional carrier relationships are available upon request, ensuring clients receive the most suitable coverage.

📍 Service Area

The agency is licensed to operate throughout California, with a primary focus on Santa Cruz and surrounding communities such as Capitola, Scotts Valley, and the greater Monterey Bay area.

📞 Getting a Quote

Obtaining a free, personalized quote is quick and easy:

1. Visit the agency’s online quote form on their website.
2. Call 831-427-3272 to speak directly with an agent.
3. Stop by the office at 303 Potrero St Ste 43‑201, Santa Cruz, CA 95060 during business hours.

Both virtual appointments and in‑person meetings are available to suit your schedule.

🔧 Claims Support

When a claim arises, D and R Insurance Services assists every step of the way. Agents help you gather documentation, file the claim with the carrier, and follow up to ensure a timely resolution. Their goal is to make the process as stress‑free as possible.

👥 Meet Our Team

The agency’s staff includes experienced, licensed agents who specialize in personal lines of insurance. While individual names are not publicly listed, the team collectively holds California insurance licenses and has completed industry training in risk assessment and policy management.

🌟 Client Testimonials

Clients frequently commend the agency for its responsiveness and clarity. Sample feedback includes:

• “The agent walked me through every detail of my auto policy and saved me money I didn’t know was possible.”
• “Excellent service when I needed to file a home‑damage claim – they handled everything quickly.”

❓ FAQs

What documents do I need for my first insurance appointment?

Bring a driver’s license, vehicle registration, current insurance card (if any), and a recent utility bill for address verification.

Do you offer discounts for bundling multiple policies?

Yes, the agency provides multi‑policy discounts for clients who combine auto, home, condo, or renters insurance.

Can I manage my policies online?

Agents can set you up with an online portal for policy documents, billing, and updates.

Is there a minimum credit score required?

Credit scores are considered but are not a strict barrier; the agency works to find options that fit a range of financial profiles.

How quickly can a claim be started?

Claims can be initiated the same day you contact the agency, and they will guide you through the next steps.

Ready to protect what matters most? Call now at 831‑427‑3272 or fill out the online quote form to get started.

Editorial review: June 20, 2026 — Sources: mercuryinsurance.com, yelp.com, santacruzca.gov, linkedin.com, onsantacruz.com. If you notice any inaccurate data, please report it.