Business Details
46 Years
experience
Your Trusted Insurance Partner in San Diego
Scripps Insurance Services has served the San Diego community since 1980, establishing itself as a trusted independent insurance agency. Our focus centers on understanding client needs and crafting customized insurance solutions for personal and business assets. With over 40 years of experience, we prioritize client interests over insurance company mandates, offering access to multiple providers to secure competitive rates and comprehensive coverage.Our boutique agency approach allows personalized service, detailed policy explanations, and bundled package savings. We specialize in navigating complex insurance markets, particularly post-wildfire challenges in California, ensuring clients receive tailored protection that aligns with their unique circumstances while maintaining transparency and ethical standards.
Services
Home Insurance
Auto Insurance
Business Insurance
Life Insurance
California FAIR Plan
Flood Insurance
Earthquake Insurance
Umbrella Insurance
Motorcycle Insurance
Commercial Auto Insurance
Details
- Year established: 1980
Highlights and features
- We offer 40+ years of localized insurance expertise in San Diego's unique market
- Our independent agency status provides access to multiple insurance providers
- Customized policy packages maximize coverage value and bundling discounts
- Boutique agency approach ensures personalized client service and attention
- Proven track record navigating California's post-wildfire insurance challenges
What people say
Top notch
Knowledgeable
Professional
Best rates
Always there
Services
Home Insurance
Protect your primary residence with comprehensive home insurance policies tailored to California's unique risks. We offer standard and specialized coverage options including wildfire protection, flood insurance, and earthquake endorsements. Our agents help clients navigate post-2017 market changes to secure adequate protection for houses, apartments, and vacation rentals while maximizing bundling discounts with other policies.
Auto Insurance
Secure competitive auto insurance rates for standard vehicles and specialty equipment. Our services cover cars, motorcycles, classic cars, and recreational vehicles with options for collision, comprehensive, and liability protection. We help clients understand California's minimum requirements while offering value-added packages that include roadside assistance, custom parts coverage, and uninsured motorist protection tailored to individual driving needs.
Business Insurance
Protect commercial operations with customized business insurance solutions. We provide Business Owners Policies, commercial property insurance, general liability coverage, and workers compensation plans. Our expertise extends to specialized sectors like hotel insurance, ensuring businesses in San Diego and California receive comprehensive protection against industry-specific risks while maintaining compliance with state regulations and operational requirements.
California FAIR Plan
Access California's insurer of last resort program for high-risk property coverage. We facilitate FAIR Plan policies for homeowners unable to secure standard insurance, focusing on fire coverage solutions for properties in wildfire-prone areas. Our agency provides expert guidance through the application process and helps clients understand policy limitations while exploring alternative coverage options to meet their specific risk management needs.
Umbrella Insurance
Enhance liability protection with umbrella insurance policies that extend beyond standard coverage limits. We help clients assess their risk exposure to determine appropriate coverage amounts, particularly for homeowners and business owners facing potential lawsuits. Our agents coordinate with primary policy providers to create seamless protection layers that safeguard personal and business assets against catastrophic claims exceeding standard policy limits.
People
Sheldon Ruskin
Agency Owner
With over 40 years in the insurance industry, Sheldon Ruskin leads Scripps Insurance Services' client-focused approach. He specializes in customized insurance solutions for personal and business assets, emphasizing client advocacy over insurance company interests while maintaining deep community ties in San Diego's insurance market.
Alexis Brown
Insurance Broker
Alexis Brown provides expert insurance brokerage services, specializing in home and auto coverage for San Diego residents. Recognized for thorough policy analysis and client education, she helps customers avoid underinsurance through detailed coverage reviews and personalized risk assessment consultations that address high-fire-zone challenges specific to the region.
Questions
What makes Scripps Insurance Services different from other agencies?
As an independent agency with 40+ years of local experience, we represent multiple insurance providers to find your best coverage-value combination while offering personalized service that larger agencies can't match.
Do you offer bundled insurance packages?
Yes, we create customized policy bundles combining home, auto, and business insurance to maximize savings while ensuring comprehensive protection across multiple coverage areas.
Can you help with high-risk property insurance?
We specialize in California FAIR Plan access and alternative solutions for properties in wildfire-prone areas where standard insurance may be unavailable through traditional providers.
What commercial insurance options do you provide?
We offer Business Owners Policies, commercial property insurance, general liability coverage, workers compensation, and specialized hotel insurance programs tailored to California business needs.
How do you handle insurance claims assistance?
Our team advocates for clients during claims processes, leveraging our agency independence to prioritize your interests over insurance company requirements throughout claim resolution.
What areas do you serve?
While based in San Diego, we provide insurance services to clients across California, addressing regional risk factors like wildfires and earthquakes in policy recommendations.
