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(760) 603-1100 San Marcos, CA



Welcome to Harding Insurance Agency, Inc.

Carlsbad, San Marcos, San Diego County, CA.

Google Reviews

Photo of Helena Lazaro

Helena Lazaro

Vince has been so helpful to my sister and I as we looked for homeowners insurance after the coverage on the two-on-a-lot we are going to share lapsed. It turned out the previous coverage wasn't actually adequate, and he got us covered properly, with a lower deductible AND a lower premium--even though many companies would've shied away from us since we'd let the coverage lapse after paying off the house. He is extremely knowledgeable, helpful, and gives you the personal attention that is hard to come by these days. We are very lucky we found him. If you're looking for home insurance, personal liability insurance, fire insurance, etc., this is the best southern California Insurance Agency I've worked with!
Photo of Vontel Lewis

Vontel Lewis

Veronica was the best agent ever, very detailed and patient! She took the time to explain my policy in terms I could understand and made sure I had everything I needed for coverage. Harding has awesome insurance rates and work well with newer ventures like mine. Very happy to have found them!
Photo of Matthew Kelsay

Matthew Kelsay

Vince and Veronice helped me set up a few different insurance policies -- homeowners, ubrella, Gap, etc. They are honest, responsive, and easy to work with. The rates they found for me were much better than what I was finding on my own. Very happy with Harding Insurance!
Photo of James Sisco

James Sisco

I have worked with Harding Insurance for over 5 years. What I liked about Vince, the owner is that he will go the extra mile for his customers. That is what impressed me when I choose his company over other larger ones. His team has been very helpful and responsive when I need any certificates or information on special insurance needs. I would recommend Harding Insurance to anyone that wants the job to be done right.
Photo of Esqueda Produce Jose Luis

Esqueda Produce Jose Luis

Thank you Yisette for your excellent service. We needed a quote on General Liability and your response was immediate. Made it text-friendly ... finally, a professional business service company that understands that their customers are on the go. Referred by Andrea R, and she was right your awesome.
Esqueda Produce Strawberries Avocados Honey -Escondido CA - Jose / Alicia

We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible. 

All of us at Harding Insurance Agency, Inc. truly value the long term relationship with our clients, and are proud to give families, individuals and businesses the personal attention required when it matters most. When claims arise, we realize that it can be very stressful and will do everything possible to assure timely and complete recovery.
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Great American
Imperial PFS
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Kemper Specialty
Markell First Comp
National General
Pacific Specialty
Personal Umbrella
State Fund
Texas Mutual
The Hartford
Tokio Marine
Wright Flood

Why choose us?

Competitive Pricing

We work hard to find the best rate through all the carriers we represent.

Local Agent

Having a local agent can help you choose the best providers in your area.

Multiple Carriers

Representing many carriers means you never have to leave us!