Coverage You Understand. Service You Can Count On.
Flores Insurance Services combines deep industry knowledge with a genuine commitment to service, helping families and businesses across San Diego with home, auto, life, commercial coverage and more — explained clearly, every step of the way.
In a fire zone? We specialize in finding coverage when other agencies say no.
Coverage for how San Diego families actually live.
Auto Insurance
California-specific coverage that keeps up with how you actually drive — commutes, road trips, and everything in between.
Learn more →Home Insurance
Protect your home from the risks that matter here — including wildfire, earthquake, and the California FAIR Plan.
Learn more →Life Insurance
Term, whole, or universal — we help you pick the plan that actually fits your family and your budget.
Learn more →Fire Insurance
Live in a high-fire zone? We specialize in finding coverage when other agencies say no.
Learn more →Business Insurance
Liability, property, workers' comp — the coverage your business needs to operate with confidence.
Learn more →Pet Insurance
Vet bills add up fast. We'll help you find a plan that covers your pet without breaking the bank.
Learn more →A local agency, not a call center.
We believe an informed client is a protected client. With over a decade of experience — including years as a Farmers district manager — Jose Flores founded this agency to combine deep industry knowledge with a genuine commitment to service, helping families and businesses across every stage of life.
Our team takes a straightforward approach: listen first, explain clearly, and find coverage that makes sense for your situation. No upselling, no jargon, no surprises at claim time.
- You call us directly — No 1-800 number. No phone tree. Our team picks up.
- We explain every line item — You'll understand exactly what you're paying for and why.
- We fight your claims — When something goes wrong, we advocate with the carrier on your behalf.
Jose A. Flores
Agency Owner
10+ years of insurance experience as both a Farmers district manager and agency owner, serving families and businesses across San Diego County
What our clients say
“Flores Insurance found us a bundle that saved over $200/month on auto and home. They actually sat down and explained every line item — first agency that ever did that.”
“I needed business insurance fast for a new LLC. The team had quotes ready in two days and walked me through exactly what I was paying for. No pressure, no upsell.”
“After my last agent ghosted me during a claim, I switched to Flores Insurance. Night and day difference — the team picked up the phone every time and got my roof claim handled in three weeks.”
“We were dropped by our previous carrier because of fire risk in our area. Flores Insurance got us coverage through the FAIR Plan plus a wrap-around policy. We were covered within a week.”
See all our reviews on Google
Not sure what you need? Let's figure it out together.
Call us, send a message, or request a quote online. We respond within one business day.
Get started