John Cho

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As October settles in, evaluating main electrical panels and wall switches helps ensure your home operates safely and efficiently. Securing homeowners electrical property insurance helps pay for major repairs if power surges or circuit breakers fail unexpectedly. It preserves the functional security of your residence, keeping your household protected through every daily activity. Verifying your property protection plan today ensures long-term home reliability.

At the John Cho State Farm Agency, we’re proud to serve Oceanside and the greater San Diego County area with a wide range of coverage options. We help customers in Carlsbad and Vista with auto insurance and electric vehicle coverage, and assist neighbors in San Marcos and Encinitas with life and health insurance plans. Our team also supports residents of Rancho Santa Fe, Del Mar, and Solana Beach with business and motorcycle insurance, including e-bike and golf cart coverage.

If you’re a business owner, we offer key person insurance, executive bonus plans, income protection, EPLI, and more. We can also assist with Med Sup Insurance (Plans A, C, D, F, G, N), long-term care coverage (FCB/LTCI), charitable giving, and pet insurance. With discounts of over 40% when you bundle, plus 24/7 customer service, we work hard to keep things simple and affordable.

As a long-time business owner, husband, father of two, and active member of our local community, I understand the importance of protecting your family and your business. I’m a proud graduate of the University of Michigan, former SFC parent, current Wheaton College, IL parent, and an engaged member of our local church, the Salvation Army Oceanside Board, and the Encinitas Business Exchange (EBX), where I’ve served as past VP and President.

I have over 36 years of experience with State Farm and lead a team with over 60 years of combined knowledge. Sandy, Christan, Kerrigan, and Carolyn are ready to help with your insurance needs, offering local, bilingual service with no fees and just one month down to start. We speak Spanish, German, Korean, Mandarin and English, and are here to help!

Give us a call or contact us online. We make it easy!