About Coast and Ranch
Built on hometown service and dependable coverage
Coast and Ranch Insurance Services, Incorporated helps businesses, contractors, and homeowners across the Western United States protect what matters most with thoughtful guidance, responsive service, and robust property and casualty solutions.
Our Story
Insurance guidance with a local mindset
Based in Templeton, California, and supported by offices in the Pacific Northwest including Coeur d’Alene, Idaho, our agency has grown by staying close to the people and businesses we serve. We believe insurance works best when it is tailored, clearly explained, and backed by a team that answers when clients call.
Our focus remains on commercial and personal property and casualty coverage, with particular strength in contractors insurance, homeowners insurance, workers’ compensation, commercial auto, and general liability. That commercial-first perspective helps us deliver practical recommendations without losing the warmth of hometown service.
What We Value
Clear advice, strong protection, personal attention
Clients count on us for more than policies. They rely on a team that listens carefully, understands risk, and helps them make confident coverage decisions.
Commercial expertise
We help businesses evaluate exposures and build coverage that supports day-to-day operations and long-term growth.
Responsive service
From policy questions to quote requests, we aim to make every interaction straightforward, timely, and helpful.
Service Area
Serving clients across the Western U.S.
Coast and Ranch Insurance Services, Incorporated serves a broad range of clients throughout the Western United States, with deep familiarity in the needs of contractors, business owners, and homeowners. Our team combines regional perspective with practical insurance knowledge to support both growing companies and established households.
Why clients stay with us
Trust is earned through consistency, communication, and coverage guidance that puts client needs first.
★★★★★
They took the time to explain our options clearly and helped us feel confident in our business coverage decisions.
Commercial Client
Contractor account
★★★★★
The team is professional, responsive, and easy to work with. We appreciate the personal attention every time we reach out.
Personal Lines Client
Homeowners coverage
★★★★★
Coast and Ranch combines strong insurance knowledge with the kind of service that makes you feel known, not processed.
Business Owner
General liability and auto coverage