Independent California Insurance Broker

Insurance that actually fits, from someone on your side.

I'm not tied to one company. I shop many carriers to find your best fit for comparable coverage, including the high-fire, vacant, and hard-to-place homes other agents turn away. Honest guidance, fast quotes, real service.

✓ Independent, many carriers ✓ California licensed (#4436426) ✓ Home · Auto · Business · Specialty
What I Insure

Coverage for real California life

From your first home to the risks that are hard to place, I have markets most agencies can't reach.

Homeowners

Protect your home and everything in it, with carriers matched to your property, not a one-size quote.

🚗

Auto

I shop your auto across several carriers at once so you're not overpaying as California rates climb.

🏠

Condo (HO6)

Owner-occupied, seasonal, or rented, including higher-value and hard-to-place condos.

🔑

Renters

Affordable protection for your belongings and liability, quoted in minutes.

🏘

Landlord & Dwelling Fire

Rentals, investor portfolios, and non-owner-occupied properties covered right.

Umbrella

An extra layer of liability protection over your home and auto for real peace of mind.

🔥

High-Wildfire Homes

Brush-zone and fire-scored homes that admitted carriers decline, I have specialty markets that write them.

🏙

Vacant Homes

Between tenants, mid-renovation, or an inherited property, vacant risks placed fast.

🏖

Short-Term & Vacation Rentals

Airbnb and VRBO owners: coverage built for how your property is actually used.

🌊

Flood

Private flood and NFIP shopped together to close the gaps at the right price.

🏔

Earthquake

Standalone and wrap options so a shaker doesn't become a financial disaster.

🏢

Business & Commercial

Small business, builders risk, and commercial property, quoted with the same care.

Why Work With Me

One trusted person for all of it

Independent = options

I answer to you, not one carrier. If a better fit exists for comparable coverage, I find it.

Fast on the hard ones

High-fire, vacant, coastal, admitted-declined, the risks that stall deals are exactly what I solve.

Honest guidance

Plain-English advice, no pressure, no jargon. You'll always understand what you're buying.

Home, auto & more

Bundle and compare across your whole life in one place, with one person who knows your file.

Jennifer Jensen, independent California insurance broker
About Jennifer

A broker who treats your coverage like it's her own.

I'm Jennifer Jensen, an independent insurance broker serving families and property owners across California. I built my agency to do insurance the way it should be done: personally, honestly, and with enough carrier access to actually solve the hard problems.

Whether you're buying your first home, protecting a rental portfolio, or you just got a rate hike or a non-renewal notice, I'll shop it, explain your options in plain English, and stand behind the policy long after it's bound.

California License #4436426

Auto rate jumped? Got a non-renewal notice?

That's exactly what I fix. Send me your current declarations page and I'll shop it, no cost, no obligation.

Shop My Policy
Get Started

Request a free quote

Tell me a little about what you need and I'll get right back to you. Prefer to talk? Call or text (949) 610-4782.

Submitting this does not bind coverage. I'll follow up to confirm details. A comparable policy is not identical coverage; I'll walk you through any differences.