Walt Waggener – State Farm Insurance Agent

I have had my insurance business with the Walt and Ryan insurance team for years, always with fantastic results. Whenever I have a question about my policy or coverage, I have an answer the same day, always. I am an attorney and I also trust them with insurance needs of my individual and business clients.
I recently moved out of California and, unfortunately, had to transfer my State Farm policy out of Walt’s office. Even in that process, Walt and Ryan were diligent and thorough, working with the new agent to ensure as smooth a transition as possible. I have always been and remain to this day very impressed with the knowledgeable people and A+ customer service received at this agency. I recommend Walt and Ryan to anyone looking for insurance.

Great people and easy to work with… just experienced my 1^st accident as the person not at fault… tried to deal with the other persons insurance… he had canceled the policy so then I turned to my insurance and just gave them the case # and info and bammm!!! Waiting to take my car to get fixed

My parents had a good life long insurance relationship with State Farm in the Bay Area. I purchased a house in San Diego in Aug 2014 and decided to go with State Farm. I chose this Encinitas branch because the principal agent was a surfer and so am I.
I had my homeowners, and car insurance with the Waggener franchise. This is the worst service and support I ever received from an insurance company. Very dis-​organized and really no follow up or care for customers. Every time I talk to Ryan Waggener, it seems like they were doing me a favor by talking to me unless they were trying to promote themselves and sell something.
I emailed them requested paperwork a couple of times and they say they did not receive it. I leave them messages to call me and rarely get a call back. When I switched my homeowners policy to a landlord policy, my personal property coverage was left at $ 300k+, they never adjusted my personal property coverage to like $ 10,000 like a good agent would have done. If I don’t live in the house so why in the world would I have $ 300k+ in personal property coverage. 3 months after switching over to a landlord policy, I get a letter from their home office saying that my landlord homeowners policy would be cancelled because I never sent them a copy of the tenant’s lease agreement. It seems that Ryan and the gang forgot to provide proper paper work to State Farm corporate even though I sent him the docs via email twice.
Keep in mind all this problem I had is just the agent doing simple things like collecting premium and writing a simple policy. There is no way I could trust this state farm branch and the people working in to have the customers interest if I ever had to file a claim. I switched my car insurance to Liberty Mutual and my landlord policy to Allstate. The Allstate and Liberty mutual agents were professional, organized and valued my business, unlike State Farm.
The principal agent is Walt never returned my email. I guess he must be semi-​retired and doest really care anymore and his son Ryan is running the business.
Do yourself a favor and stay away from this branch of State Farm. I am sure not all the state farm agents are like this.

Ryan has been my agent for a couple years now and I’ve had nothing but a pleasant experience. Ryan is always engaged, keeping on top of my mileage for my discounts and he helped me transition from Renters to Homeowners when I was buying a place. One less thing I’ve got to worry about when he’s looking out for me. I’m a very satisfied customer.

Ryan and Walt are amazing insurance agents. Whenever my wife or I have a question, they are there to help answer and solve any problems we have had. They have great recommendations for people to come out and look at problems we have had with our house. They are even available after 5pm when most other insurance companies have closed for the day. So happy we signed up with them to receive the phenomenal service.

Great team of agents, trustworthy, and easy to do business with.

Walt, Ryan and Chris are all the best. I moved here a year ago and got a good referral to see them about insurance and they have been the best. They always answer my calls and get back to me quickly with information I requested. They help with rates and I couldn’t be happier. I will keep on using Walt’s office for all my insurance.