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(760) 603-1100 San Marcos, CA

Google Reviews

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Jacob Canady

Vince and his team are the best of the best! They’ve handled all my insurance and bond needs for my business and their customer service is top shelf. They are always patient with me and make sure all of my questions are answered. 100% recommended!
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Carl Bredl

Vince, Josh and the rest of the team have provided me with all of my insurance needs for a few years now. My business is unique and in commercial construction. Being a smaller independent business, it was difficult to find insurance through the larger insurance companies. Vince took the time to understand what I do and found me a number of A+ rated carriers for coverage. Josh constantly seeks the best rates and coverage upon renewal and has found better deals for me every year. They got your back!
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Alex Zamudio

I’ve been with Harding Insurance for over 5 years now.

Josh and his team are amazing! They go above and beyond whatever I need.

One thing about Josh and his team is that they are always willing to help.

Thank you Josh and Team as always!!
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Frank Priefler

The Harding Insurance Agency, inc. is the best insurance company I have ever worked with.  Not only was the owner responsive to my inquires, his staff is amazing. They are professional, friendly and wanted to make sure all my questions were answered during the entire process. Their staff was instrumental in searching for and trying to obtain the most favorable insurance coverage for me at the lowest premium available. I highly endorse Harding Insurance Agency, inc. and plan to be with them for many years.
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Michael Lancaster

We’ve been working with Harding Insurance for several years and we’re 100% impressed & pleased with their entire team.

Josh is simply amazing.

Fast, accurate & informative.

I anticipate our business relationship will continue to thrive for years to come.

Welcome to Harding Insurance Agency, Inc.


Happy Family

We are an Independent Insurance Agency, which means we have made available some of the best companies for your online quick quotes 

We service the Carlsbad, San Marcos, San Diego County, CA. areas, and throughout the state of CA. At Harding Insurance Agency, Inc. each one of our clients are given a dedicated team of professionals that work together to proficiently address all your concerns.

We offer all types of Personal Insurance coverages to our clients in CA including AutoHomeMotorcycleBoat & WatercraftFlood InsuranceLife, and Health Insurance.

Give one of our agents a call to save money on your business insurance. Some of our Commercial insurance coverages include Business Owners Packages (BOP), General Liability, Commercial Auto, Commercial Real Estate Insurance, and Contractors Insurance

Let us help you cut your insurance cost! Just give us a quick call today at 760-603-1100 or Submit one of our quick online quote forms -with the help of our dedicated business partners; we conveniently offer an entire solution for all your personal and business insurance needs.

Why Our Agency is the Ideal Choice

Friendly Customer Service

Harding Insurance Agency, Inc. is renowned for treating clients like family with our genuinely friendly customer service. Our team excels in offering personalized, clear guidance, making insurance approachable. We prioritize understanding and addressing client needs with warmth and patience. 

Experience and Knowledge

The Harding Insurance Agency, Inc. transforms your insurance journey with unmatched expertise and experience. Our dedicated team simplifies complex choices, ensuring personalized coverage that fits your unique needs, with the assurance of our long-standing industry knowledge.

Securing the Best Rates

At Harding Insurance Agency, Inc., we tirelessly shop for the most competitive insurance rates, ensuring you get the best value without compromising on coverage. Our relentless pursuit is to find optimal, customized solutions that align with your budget and needs, while delivering peace of mind.

Allied Insurance
American Modern
American Reliable
Atlas General
AU Gold
Banner Life
Bershire Hathaway Guard
Bristol West
Burns & Wilcox
Capital Premium
Great American
Imperial PFS
JE Brown
Kemper Specialty
Markell First Comp
National General
Pacific Specialty
Personal Umbrella
State Fund
Texas Mutual
The Hartford
Tokio Marine
Wright Flood