Run do not walk away from this agency...after being transferred to this office have spent hours trying to get them to cancel a policy. After the initial request to cancel continued to receive bills on the aforementioned policy when contacting and requesting to speak with Kellam not once did he respond to address my concerns... You have been warned.... read more

Unsure if something went wrong or the good experience requires very specific conditions. I called twice and texted once when told to do so by their voicemail. No indication that their office was closed but still gave them the benefit of the doubt because its the holidays. No pick-up or callback. I'd hate to think what would happen if I had an insurance emergency. read more

Ray is a fantastic insurance agent. He was super helpful and really worked with me to provide guidance on getting the amount of coverage I was looking for within my budget. Highly recommend! A very personable guy! read more

I MISS Ray Kellam insurance! We recently moved to the East Coast and unfortunately are unable to get Farmer's Insurance where we live. Even worse, we are unable to work with Ray and Tammy! Enjoying your insurance company sounds a lot like enjoying your dentist (which I did too btw but that's a different review!). I cannot say enough about Ray and Tammy though. They have always been friendly, responsive, professional, and very importantly, understanding. I hope to find an insurance agency in this area that's even close. read more

I had a horrible experience trying to transfer to this agency for a renters policy from another Farmers agent who I wasn't happy with, and to get earthquake insurance. So, for one, Farmers appears to be problematic, regardless of which agent you hire. I thought if I got an agent closer to my home who had decent reviews, maybe I wouldn't have problems every year trying to pay for my earthquake insurance. In spite of trying to pay for my earthquake policy for several months, my agent and then Kellam's office, kept delaying me saying something was wrong with the system, which is insane enough. But, this happens every single year for 4 years, where I get no reminder that the earthquake insurance is due, so I put it in my calendar to contact my agent, who then tells me to wait until I get an invoice, which I never get, and there is no option to automate. So, I contact Ray Kellam's office and am told by Tammy that by all means it can be automated, no problem, just switch to our office! But, then she tells me, after I switch, that they are putting in a NEW system that is messed up and she can't take my money for my earthquake insurance which by now has lapsed, in spite of my constantly begging my last agent and now Ray Kellam's office to take my money and renew my policy! But, the main problem trying to switch to Ray Kellam's office (who never actually spoke to me himself) was apparently that Tammy was getting ready for her wedding. So, I send her an email as a follow-up after not hearing from her by the time she swears the system will be fixed and I get an out of the office reply saying she's in Mexico on her honeymoon - now remember, she left with me waiting for a quote from her and after reminding her several times that I need that quote and want to pay. But then I sent an email to Ray complaining about delays upon delays (I was trying to actually get them to take my money, for goodness' sake) and I got an out of the office from Ray who had taken the day off to go to another wedding while Tammy was on her honeymoon! Okay, so love is in the air, but does Kellam give a hoot about his business at all??? And, he never got back to me at all - just waited for Tammy to get back from her honeymoon. Then, she kept delaying me again, for yet another 10 days after I finally said if there's an earthquake, I'm holding them liable for any damages since it's in writing forever that I'm trying to pay for a policy. So, as I say, 10 days after that email to her, she gets back to me - good news! We got your policy back-dated LOL. Like now I'm going to pay them for months I didn't receive any actual coverage for?????? And that email says we still need to go over coverage??? In the meantime, I, of course, shopped for other insurance with anyone but Farmers, and told her to cancel all Farmers policies. And then get this - they sent me a bill for the policy I never got saying it was canceled due to nonpayment!!!!! I am laughing, but if they really try to collect money from me, after I just emailed them again telling them they better fix that to show I don't owe anything, it will be a trip to small claims court, where they'll have to pay for my court fees, too. If this sounds like fun to you - hire Ray Kellam's agency, even though Ray appears to just be a ghost who really doesn't care if anyone's around to answer the phone or emails and won't get back to you, even when you're trying to throw money at him and are obviously upset, as a brand new customer. And now imagine your house burned down and Ray Kellam is your agent. Good luck with that. I can't believe my experience is unique nor do I believe all of these positive reviews. ============================ EDIT: Response to Ray Kellam's response. I copied Ray Kellam on the emails I sent to Tammy using his Farmers email, which Tammy had no problem receiving on the same system. So, saying he never got my emails and they must have gone to spam is, to put it nicely, simply not likely to be true. The Safeco agent I switched to was able to get my CEA earthquake insurance set up with automatic monthly payments in just a couple of days. So, the problem doesn't appear to be the CEA system, either. I think you would have looked more reputable if you simply admitted that you dropped the ball. In my experience trying to deal with your office for about 5 weeks...this IS the way you are. If you've actually been great for the past 10 years, as you claimed in your email to me (it took a negative Yelp review to finally get an email from Ray), then you guys are losing your focus and need to get back on the ball. But, you probably won't get very far blaming other people and systems, instead of taking responsibility for losing customers. Or, maybe it's time to retire. Or fire your assistant. I do wish you the best in figuring it out. read more

Ray has the quickest response time I have ever encountered. He is highly professional and handles all of my questions/concerns quickly. I recently dealt with the Farmer's team on a claim and they were excellent as well. All around, top notch service! Thanks Ray! read more

Great customer service and very responsive. Ray Kellam is very knowledgeable and really cares about his customers. He is very prompt and is very personable. I highly recommend his insurance business. read more

Ray has been an advocate for my wife and I since we moved back to California a year ago. He is always looking to find ways to save us money, and does. When the idea of COVID-19 being around for a while finally started settling in, I reached out to Ray to see what types of options Farmer's has for us. Immediately I was able to save $150/ish a month. On top of that, he personally reached out to me to create awareness of Farmer's COVID-19 official relief program. I know I'm not the only one with this story. Check him out for yourself. read more

Ray is nothing but 5 star quality when it comes to anything insurance wise. He makes the process so quick and easy for you! He is now my go to guy for insurance and I know I'm taken care of. If you want someone who gives you clear cut options and gets the job done fast so you can go on with your busy day, then he's the guy for you. He took care of me and my family and he can definitely do the same for anyone else. I highly recommend Ray Kellam! read more

Ray has helped me for years! Always looking at whats best for you and never up selling you. Ray has a staff with years of experience, that will always treat you respect! Not enough kind words to mention for this team. read more

Couldn't recommend Ray and Tammy enough. We were in the market for new car/rental insurance. After having a less than stellar experience with State Farm, it was refreshing to be treated well and with respect. When I first spoke with Tammy on the phone she was very polite, professional and helpful. We scheduled an appointment to go into the office and get our quotes. They offered to exchange info over the phone or via email (which is common these days) but preferred to meet in person. I'm glad we went to the office, it was nice to meet Ray in person and get that little extra boost of customer service that you don't get through a computer. Ray answered all of our questions and gave us different plan options based on what we wanted to pay monthly and how much coverage we wanted. 5 stars for sure for Ray and Tammy! read more

Impecable customer service. Ray and his team are customer oriented and super responsive, resulting in a tailored plan and personal attention to better suit your needs. read more

The Churchill Team just referred Ray a great client and Ray was absolutely wonderful in packaging her insurance. The client was thrilled and it reflects back on my team! Ray is a valued partner to The Churchill Team!!! read more

After years with AAA, (no complaints) I decided to shop my home insurance. Ray and his team were able to tinker around with my coverages and save me $663 (yes exactly) annually on home insurance while adding $50,000 more in dwelling coverage which is most important to me. All I had to do was stomach a $2500 deductible instead of my $1000 one I had. I never have filed a home claim so the $663 savings year after year is totally worth it to me plus with the higher dwelling coverage. Big shout out to Ray and Tammy for the sweet fire rates! Looks like we'll be doing a big life policy on myself and my wife too for additional discounts. read more

Ray is the best Insurance agent I have worked with in the Bay Area. After years of terrible customer service and expensive policies with State Farm, I finally woke up and made the switch! And boy, did I make a great decision. He made everything so convenient with my life, home, and auto insurance. On top of that, his rates were far cheaper for my family and I which took a lot of stress off my plate. I could not recommend him enough, if you are looking for an insurance professional who is always willing to make himself available to his customers - Ray is your man! And his assistant Tammy is amazing and super helpful as well! read more

I am a real estate broker and have used Ray Kellam Insurance a few times recently. Tammy has been wonderful to work with, very prompt and an overall pleasure to work with. I highly recommend. Great job! read more

Thank You so much Ray for an easy process this morning after I locked my keys inside the car. You made it so convenient and knew all the right things to say since I was stressing out. You are an amazing insurance angent that goes above and beyond for theirs customers. i should of wrote this review from the first time I switched insurance. The hubs and I love how you explain eveything in detail and answer all of our questions. Thanks Again friend we truly appreciate it so much and keep up the good work!!! - Castillo Family read more

Farmers Insurance - Ray Kellam - Car keys!!! - Home & Rental Insurance Near Me - San Jose, California

Ray & his team has been my top recommendation when it comes to insurance. Ray and Tammy have always adopted their snappy and client-centric attitude where they do their best to provide the best experience whatever the circumstances are. I have nothing but the utmost confidence in them and will always recommend them to both my clients and anyone who may need their services. Ray is a valued partner of the Graeham Watts team and our go-to expert for insurance! read more

We have worked with Ray for almost two years now. And his customer service has been absolutely amazing the entire time. He has assisted me in all my concerns, rate questions and general inquiries. He works quick and is very tech savvy making the processes smooth. We were recently evacuated due to the CZU fires and Ray reached out to me! He emailed just to check in. He is an absolute advocate for his clients and genuinely cares about them. I cannot recommend Ray enough. He really is a wonderful person and insurance agent. read more

After being with State Farm for over a decade, we lacked the responsiveness, attention to detail, and frankly the level of service we came to expect from our insurance company/agent. What a breath of fresh air Ray and Tammy have been! These two exemplify what your insurance company should look and feel like - both from an operational/efficiency standpoint and as advocates for your personal and financial wellbeing. Can't say enough great things about these two. Highly recommend if you are either (a) underwhelmed with your current agent or insurance company or (b) just looking for general coverage for the first time. Thanks Ray & Tammy!!! read more

Ray provides great customer service! He had tried to help us before and things didn't work out and there were no hard feelings. One year later he was able to help us save over $1500 a year on our home and auto policies. I like that he follows up and is available and responds quickly if I have any questions. I downloaded the app and it is easy to use and I love that I have all my info at my fingertips. Would highly recommend Ray to help you with your insurance needs. read more

Ray is truly a compassionate and caring agent. You can tell he genuinely takes your best interests in mind when offering you quotes and was extremely responsive to my MANY inquiries throughout the homeowners insurance acquisition process. Ray will fight to do the right thing and is honest throughout the entire process. Our situation was interesting because we acquired a policy with Farmers when we first purchased our home in February. However, post inspection our policy was terminated (April) because of the location and structure of our home (Boulder Creek and with redwoods running through our deck and surrounding us 360 degrees!). Nonetheless, he was extremely helpful in helping us acquire a new policy with a new carrier. For me to post a positive review in spite of the cancellation should tell you A LOT! So, if you are looking for coverage of any type, look no further. You have found your guy! read more

Integrity. in business they say there's none. Ray has it in spades. I found his honesty and straightforwardness refreshing. Even though I did not go with his company , he referred me to someone else. However the referral did not work out I think I know why he refers people to this other person. They are nowhere near as charismatic and are a little uptight. Who knows you might prefer that. I don't. Thanks anyways Ray for your honesty and not wasting both of our valuable time demanding unnecessary information. read more

Why we chose Ray Kellam: We moved to a woodsy area and found it very difficult to get homeowners coverage due to the flood and fire hazards of our mountain home. We called Ray as we shopped around and he was able to make it work! Not only did we get covered but he was able to increase our coverage, take on our autos and life policies and help us pay less. And I was not looking to switch auto or life as we were (what I thought to be) amply covered at a good rate with our previous company. Lesson Learned. Why we stay with Ray Kellam: Firstly he is a joy to do business with. I haven't looked forward to "dealing with" my insurance agent before. He is efficient and friendly and his right hand gal, Tammy, is just the same: prompt email replies, phone calls when needed to sort through things and face to face service to get documents signed and get coverage started or changes in place. I received a follow up call to inquire about my interaction with the nurse for the life insurance health screening. He is thoughtful and caring about our family changes and helps us stay on top of our changing insurance needs related to home improvements, a new baby etc. His energy and love of his job make him a person I'm happy to do business with. You'll be happy you did too! read more

Ray and his staff are the best source for any and all of your insurance needs. They are super friendly, relatable, super educated, and so quick at addressing my questions and needs. They will go above and beyond for anyone and truly have your best interest in mind. I am a mortgage lender and I refer them to all of my clients as well and they have always offered the same level of service to my clients. read more

Today I decided that I wanted to make sure I was getting the best insurance situation for my precious Lil' Jay (my beautiful, sensual Audi A3.) When I bought Lil' Jay, I did what most of you probably do and just go through sites like Allstate, Geico, Progressive, etc and fill in the text fields with what I thought was right, compare the numbers and go with what was cheapest. I ended up going with Allstate. Stupid. Stupid. Stupid. So, in to this story comes Ray. Ray is a Farmers Insurance Agent. And today, he became my agent! So in my quest to further my domination of adulthood, I pinged Ray to see if he could hook a sista up. Within about .0204 seconds Ray was ON POINT. Basically Ray looked up exactly why I was paying what I was paying for, was on the ball with what I needed, explained to me in plain ass english what was what, and saved me a lot of money. Not only was I literally LOL'ing while we went through the process, I now have a way better understanding of what I'm paying for and why. Side note - for a second I was prepared to pay Ray MORE (for the exact same deal I had with Allstate) because I knew that it would be worth it to have him on my side if shit hit the fan with Lil' Jay. But! Then Ray figured some stuff out and actually saved me a ton of money. So now he has my and Lil' Jay's back AND I am going to go shopping this weekend. Win. Win. Win. What is the moral of this story? Cancel whatever BOGUS policy you have today and go talk to Ray. You will both laugh and cry, and wipe your tears of happiness away with all the dollar dollar bills you save. That's what I did today. Now go to sleep and call Ray in the morning (or right now if it actually is day time.) read more

You may have heard rumors about a new insurance guy in town who doesn't sell you boxes of car insurance cereal, isn't President Palmer of 24 and certainly doesn't appear like a genie when you utter a jingle. But how can you believe in him? I mean.. He's not even a gecko. Ray is an outstanding agent who is Famers University qualified to give you top-notch coverage for those things in your life that you'd just as soon only have to pay for once. Sure, he can offer you competitive rates, bundle your policies, blah blah blah.. But when it comes down to it, Ray is a personable guy who wants to work with you and put in the time to give you an honest policy that fits your livelihood. When I first contacted Ray about insurance, his quote didn't fit my budget. I shopped around a bit more, but Ray didn't give up on covering my new car. He researched options that could save me money and found some discounts I qualified for and within a few days, I received a call from Ray inviting me to look over his new insurance plan. It fit my budget, covered my car completely and he was able to get me insurance on valuables inside my vehicle as well (something I desperately needed but didn't even know existed). You want someone helpful, reliable, honest and reachable. Ray Kellam is your guy. Don't waste your time seeking coverage elsewhere. Let Ray give you a quote and know that your assets are being well taken care of. The policy is affordable and the peace of mind comes free. read more

Ray is the best agent. LET ME TELL YOU WHY!! I recently got in an accident and he made it a seamless process from filing the claim to giving me a referral to a great Body Shop. My car looks like new and I couldn't be happier going through the claims process. If you are not happy with your agent call Ray for a quote!! He's the best!! read more

Good guy and good friend. He also hires well as TAMMY IS AMAZING. Quickly replies and send me what I need on my short and haphazard schedule with I fully appreciate. Good team to hire if you are shopping for a new agent! read more

Working as a Mortgage Loan Originator, we always need to work with the Insurance Agent to update the mortgagee clause and to get evidence of insurance. May times that process can be painful, as we will often get a delayed response. Not will Ray Kellam Farmer's Insurance!!! Literally, within 5 minutes of receiving the quote, he was able to send me the Evidence of Insurance with the updated mortgagee clause and the replacement cost estimator. This is so helpful so I can provide good service to our mutual client. read more

Ray was a pleasure to work with! He spent a lot of time working with my wife and I to make sure we both understood all aspects of our new policies, and how they were the same, or better than our previous policies. We had issues with previous reps not making time for us to make sure we understood what we were signing, but Ray was patient and helpful every step of the way. Can't say enough great things about Ray! Highly recommend checking him out if you are in the market for insurance. read more

Ray has been my insurance agent for over 2 years now and I could not be happier. We were evacuated for the Boulder Creek fires and Ray was a blessing. He reached out to us to inform us about available insurance aide. When it came time for fire damage assessment, the process could not have been easier. An adjuster came to our home, inspected our house, and went through what we could expect to receive for the smoke and ash damage. Within a week the money was deposited into our bank account. What a unexpected delight to have such a great insurance experience at such a time of difficulty and stress. read more

I was assisting a client with a Mortgage Refinance, I sent Ray the request for a Mortgagee Clause update and had the docs back within an hr. He was very fast, professional and very nice about it all. Glad I got the chance to work with him. Definitely recommend! read more

TOP NOTCH! Can't recommend Ray any more highly. Replied within an hour of our first email. Bent over backwards to help us find the right coverages. Moved our policy over to him from another agent and will never look back. #pureAwesome read more

After having been with Farmers for many years our agent retired and we were reassigned to several agents, none of which impressed us, until we were assigned to Ray. He and Tammy are extremely efficient and responsive which surprised us, as we had not experienced that in the past reassignments. We were impressed with their willingness to advise and help us. They always seemed to have our best interest at heart. We would not hesitate to recommend them for our insurance needs. read more

Hi, I'm new to dealing with insurance policies and it takes a lot to explain things like this to me. I wanted to write this review because Ray took the extra time to help me through it all. Ray has a lot of experience and he took his time explaining all of my options without making me feel uncomfortable. I would recommend using Ray Kellam 100%. read more

Ray has been my insurance agent for around 3 years now, and I cannot say enough good things about him. I was looking for home, EQ, and auto insurance. From the start, he came to my home (this is in 2017), did a walk through, took time to answer all quesitons, reviewed all the coverages, made some recommendations to save us money, bundled all the insurance, and made sure everything was in order once Farmer's returned the policies. Highly recommend Ray. If you want a truly professional insurance agent, look no further than Ray Kellam!! read more

Ray is fantastic! He responds immediately almost 24 hours a day and truly cares about his quality of customer service. He knows insurance like the back of his hand and is great at answering any questions you may have. I have never had a insurance agent who is so responsive and genuinely cares about his clients. I would definitely recommend him to anyone! read more

Ray is the most professional person I have met he is also super funny and makes the time go fast. He knows exactly what he is talking about and will help you out any time you come in to talk to him with a big smile on his face. This man is the best of the best amd will totally do business with him when it comes to auto insurance! Thank you Ray. read more

Ray is the best agent. I Started a Dog Training company called Bay Area K9 Association and i could not find insurance anywhere. I looked and looked when a friend of mine told me about Ray. He found me insurance for my company at a really good rate. I wanted to save more money so I transferred my renters and auto to Ray and boy am I happy i'm saving so much. Thanks Ray your the best! read more