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Local Allstate Insurance Agent: John Andrews
Products we offer:
Auto
Car Insurance in Rancho Santa Margarita
Car Insurance in Rancho Santa Margarita
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Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
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Condo
Condo Insurance in Rancho Santa Margarita
Condo Insurance in Rancho Santa Margarita
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Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
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Renters
Renters Insurance in Rancho Santa Margarita
Renters Insurance in Rancho Santa Margarita
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Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
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Life
Life Insurance in Rancho Santa Margarita
Life Insurance in Rancho Santa Margarita
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Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
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ATV
ATV Insurance in Rancho Santa Margarita
ATV Insurance in Rancho Santa Margarita
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Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!
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30+
Years of Experience
25+
Years in the Community
EducationEducation dropdown expand/collapse
Bachelor Of Science-CAL POLY, San Luis Obispo
AwardsAwards dropdown expand/collapse
Allstate Financial Leader Award-8 years
Allstate Leader's Forum-6 years
Circle Of Champions Award-6 years
Honor Ring-22 years
Inner Circle Elite Award-1 years
National Conference Award-11 years
Community InvolvementCommunity Involvement dropdown expand/collapse
50 Mile Ride for Rwanda
Angel Food Ministry
AYSO (American Youth Soccer Organization) Coach
Little League Baseball Coach
Team Africa Rising
World Bicycle Relief
Our team
Pam Davis
Office Manager
Pam has been with us for over 20 years and is our office manager as well as resource for all things insurance related. She brings a wealth of knowledge and experience to the office. Her compassion and great sense of humor are ap
read more...
Pam has been with us for over 20 years and is our office manager as well as resource for all things insurance related. She brings a wealth of knowledge and experience to the office. Her compassion and great sense of humor are appreciated by all. We couldn't manage without her!
read less...
Eden Hayes
Customer Service Representative
Eden has been in the business for several years and is experienced in property and casualty insurance. Her friendly "can do" attitude is contagious and she can help customers with everything from the simple payment to complex new
read more...
Eden has been in the business for several years and is experienced in property and casualty insurance. Her friendly "can do" attitude is contagious and she can help customers with everything from the simple payment to complex new business strategies.
read less...
John Barger
Personal Financial Representative
John has over 25 years of experience in helping customers with life insurance, retirement strategies and college savings. He has earned the prestigious Hall of Fame award which is a country-wide award recognizing the top Personal
read more...
John has over 25 years of experience in helping customers with life insurance, retirement strategies and college savings. He has earned the prestigious Hall of Fame award which is a country-wide award recognizing the top Personal Financial Representatives at Allstate. His friendly, and no-pressure style gets top marks from the customers. Give him a call for a quick review of your life and retirement strategies. He won't disappoint!
read less...
Recent reviews
Rating 5.0
janice igawa
Apr. 2, 2026
Rating 4.5
brenda martin
Mar. 9, 2026
Rating 5.0
james samuel
Feb. 25, 2026
Rating 5.0
ronald riepma
Feb. 13, 2026
She was very courteous and knowledgeable
Rating 1.0
robert stockton
Feb. 11, 2026
Getting someone to answer the phone is impossible and call backs take longer than they should. This was never the case
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Getting someone to answer the phone is impossible and call backs take longer than they should. This was never the case several years ago.
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Rating 5.0
stuart shaffer
Jan. 11, 2026
Rating 4.0
rhea gervado
Jan. 3, 2026
Rating 2.5
john davey
Jan. 2, 2026
Ok
Rating 5.0
chris bonneau
Jan. 1, 2026
Rating 5.0
ron robidoux
Dec. 15, 2025
I’ve always enjoyed doing business with John Andrews even though I live in Northern California now I still do business
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I’ve always enjoyed doing business with John Andrews even though I live in Northern California now I still do business with him because of the fact their customer service is super perv.
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Rating 5.0
john franck
Dec. 10, 2025
Rating 5.0
sandra katanjian
Dec. 10, 2025
John Andrews and Eden are awesome on what they do! We would not go to anyone else!!! Thank you very much, Sincerely San
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John Andrews and Eden are awesome on what they do! We would not go to anyone else!!! Thank you very much, Sincerely Sandra Katanjian and family!
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Rating 5.0
louise napoli
Dec. 10, 2025
Rating 4.0
doris gatfield
Dec. 5, 2025
Rating 3.5
ali salamirad
Nov. 13, 2025
Rating 4.0
hedy stern
Oct. 14, 2025
Calling you is absolutely impossible. AI makes it very difficult to say what you have to say and then when ask for a cal
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Calling you is absolutely impossible. AI makes it very difficult to say what you have to say and then when ask for a callback, I didn’t get it. It’s happening too much something has
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Rating 5.0
joy evans
Oct. 7, 2025
Always available when you need help or to answer questions. I’ve been a longtime customer and have no plans to change
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Always available when you need help or to answer questions. I’ve been a longtime customer and have no plans to change insurance agencies.
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Rating 5.0
irma andrade
Jul. 25, 2025
John made me feel understood and comfortable with all my questions and concerns. He also went above and beyond to helpe
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John made me feel understood and comfortable with all my questions and concerns. He also went above and beyond to helpe while I was working
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Rating 5.0
catherine stumph
May. 22, 2025
Rating 4.5
cathy capaldi
May. 9, 2025
Eden makes the experience great. She is responsive, communicates clearly, and is very pleasant to work with.
Pam has been with us for over 20 years and is our office manager as well as resource for all things insurance related. She brings a wealth of knowledge and experience to the office. Her compassion and great sense of humor are ap
read more...
Pam has been with us for over 20 years and is our office manager as well as resource for all things insurance related. She brings a wealth of knowledge and experience to the office. Her compassion and great sense of humor are appreciated by all. We couldn't manage without her!
read less...
Eden Hayes
Customer Service Representative
Eden has been in the business for several years and is experienced in property and casualty insurance. Her friendly "can do" attitude is contagious and she can help customers with everything from the simple payment to complex new
read more...
Eden has been in the business for several years and is experienced in property and casualty insurance. Her friendly "can do" attitude is contagious and she can help customers with everything from the simple payment to complex new business strategies.
read less...
John Barger
Personal Financial Representative
John has over 25 years of experience in helping customers with life insurance, retirement strategies and college savings. He has earned the prestigious Hall of Fame award which is a country-wide award recognizing the top Personal
read more...
John has over 25 years of experience in helping customers with life insurance, retirement strategies and college savings. He has earned the prestigious Hall of Fame award which is a country-wide award recognizing the top Personal Financial Representatives at Allstate. His friendly, and no-pressure style gets top marks from the customers. Give him a call for a quick review of your life and retirement strategies. He won't disappoint!
read less...
Frequently asked questions
Can I text your agency with questions?
Yes, we have text messaging services.
What languages do you speak?
We have staff members available who speak the following languages: English
John Andrews is insurance licensed in the state(s) of California. If you do not reside in the state(s) of California, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.
California Insurance License Name and Number: 0D60717 JOHN B. ANDREWS, INC., 0712196 ANDREWS, JOHN BALLING
Based on coverages selected. Subject to terms, conditions, availability & qualifications.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Allstate life insurance issued by Direct General Life Insurance Co., 911 Chestnut Street, Orangeburg SC 29115; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.
Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 151 North 8th Street, Suite 450, Lincoln, NE 68508. (877) 232-2142.
Check the background of this firm on FINRA's BrokerCheck website.