Choosing the right insurance is about more than purchasing a policy. It is about having a knowledgeable advocate who understands your risks, explains your options and is there when you need help. That philosophy has guided Schaub Insurance Agency from the beginning: Insurance Simplified. Insurance with Heart.
The community has once again recognized that commitment, voting Schaub Insurance Agency Gold for Best Insurance Company in The Best of North County 2026, marking the agency’s third consecutive Gold win following victories in 2024 and 2025. Schaub Insurance was also named Gold for Best Commercial Insurance in 2026, an especially meaningful recognition of the agency’s work with local businesses.
Schaub Insurance is a woman-owned independent insurance agency led by founder JoAnn Schaub, CIC, CRM, CRIS, CISR, who brings more than 20 years of insurance industry experience to the clients and businesses the agency serves. As an independent agency, Schaub Insurance works with multiple insurance carriers, giving its team the ability to help clients evaluate coverage options based on their individual circumstances rather than offering a one-size-fits-all solution.
The agency serves both individuals and businesses, offering coverage for homes, automobiles, condominiums, rental properties, landlords, renters, umbrella policies and special events, along with a broad range of commercial insurance solutions. Its commercial expertise includes coverage such as general liability, commercial property, workers’ compensation, professional liability and cyber liability.
For families, buying a home, adding a driver or acquiring valuable belongings can be a reason to revisit insurance coverage. For business owners, hiring employees, purchasing equipment or expanding operations can introduce new risks. These milestones make it valuable to have an insurance professional who can help explain how coverage needs may change and what questions to ask before selecting a policy.
The agency was built around the belief that clients deserve to understand their insurance and feel comfortable asking questions. Its team focuses on making insurance easier to navigate, providing knowledgeable guidance while maintaining the personal attention and genuine care of a local agency. It is an approach reflected in the agency’s two guiding messages: Insurance Simplified and Insurance with Heart.
That commitment is also reflected in Schaub Insurance’s five-star Google rating, another point of pride alongside its community awards. For prospective clients, reviews offer an additional perspective when choosing an agency to help protect their home, family or livelihood.
That same philosophy extends beyond the office. Community involvement has long been an important part of Schaub Insurance, including support for local charitable organizations and participation with organizations such as the North County Food Bank, Meals on Wheels, the San Marcos Chamber of Commerce and San Marcos Rotary.
The agency is also entering an exciting new chapter, expanding with its own dedicated San Marcos office at 370 Mulberry Drive, St G. The new space reflects Schaub Insurance’s continued investment in its team, clients, and the North County community it calls home.
Having a dedicated office marks an important milestone for the locally owned agency. As Schaub Insurance grows, its focus remains on the relationships that helped build the business: listening to clients, making complicated information understandable and bringing heart to the insurance conversation.
For JoAnn and her team, three consecutive Gold awards represent more than recognition. They reflect the trust clients and neighbors have placed in a locally owned business and reinforce the agency’s commitment to continuing to earn that trust.
Schaub Insurance Agency, Inc.
760-362-4646
