Trusted, local, independent insurance agency in Oceano, California.
Elizabeth Head Insurance Agency has the knowledge and expertise to provide customized insurance solutions for individuals, families, and businesses, in Oceano, California.


Get personalized insurance quotes from multiple insurance companies in Oceano, California from Elizabeth Head Insurance Agency.
Elizabeth Head Insurance Agency has your covered.
We’ve built our insurance agency around understanding what you need and what’s important for your family or business to protect. That’s why we work with a wide range of insurance companies and products in Oceano, California to meet your specific needs, including customized coverages.
We don’t work for the insurance company, we work for you.
Oceano, California Insurance Agent vs The Rest.
Here is a quick comparison of the differences between an insurance agency like Elizabeth Head Insurance Agency in Oceano, California like us, and the various other types of companies that are out there:
| Features & Services | Our Agency | Captive Agent | Online & 1-800 Companies |
|---|---|---|---|
| Access to multiple companies and wide range of products | |||
| Easy switching from company to company without hassle | |||
| Unbiased and objective advice | Tries to sell & support only their one company | Tries to sell & support only their one company | |
| Claims assistance and advocacy | Adjusters are often exclusive to the one company | No help: You vs. adjuster | |
| Policy service from the same person you bought from | To call center | You'll likely never talk to the same person twice | |
| When you buy from an independent agent like us, you're supporting local business and your local economy #choicematters #independentagent | |||
Personal insurance policies for individuals and families in Oceano, California
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.
About Elizabeth Head Insurance Agency
Why choose Elizabeth Head Insurance Agency
Proactive policy review
We don’t just process renewals. We review, analyze, and restructure coverage at renewal and during rate changes to ensure your protection keeps pace with your life or business.
We shop strategically
When premiums increase, we compare options across trusted carriers — balancing coverage, cost, and long-term value.
One agency. Complete strategy.
About our founder
Elizabeth Head is the Founder and CEO of Elizabeth Head Insurance Agency, bringing over a decade of experience in the California insurance market. As a lifelong resident of California, I’m proud to serve Pismo Beach as your local insurance agent. At my agency, we focus on taking the time to educate our clients to help them understand which policies suit their specific needs.
We pride ourselves on providing outstanding customer service and ensuring each client is educated on their specific coverage options. I have the expertise to help with all your needs for auto, home, life, small business insurance, and specialty vehicles.
Give me a call at 805-481-1416 and I’ll be happy to answer your questions.
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Customized insurance solutions in California.





