This company is CLOSED. I tried to get a quote for home insurance. I've called and emailed several…read moretimes. No one answers the phone. No service. Can't speak to anyone.

With our mortgage contingent on securing homeowners insurance for our new house, I was referred to…read moreMike Cheng by a family member. Mike responded to my first email and ghosted me after with no response after several follow-up emails. Mike, if you're not interested in my business, just say so. You're holding people up who think you're working on a solution for them when you're really not. Poor business practice and nonexistent customer service.

I had a great experience working with Jaime on my umbrella insurance. Jaime took the time to answer…read moremy questions (20+ question through 5-6 email conversations) clearly and helped me get the coverage set up correctly. I really appreciated Jaime's help and would definitely recommend her.

We have been trying to reach someone for months about our policies. No one answers. I was able to…read morefinally reach someone last week who provided our new agents name and email and my husband called and alo sent an email. No response! I am leaving a yelp review in hopes this will cause someone to reach out or provide a number that someone will answer. I see the owners message but there is no way to reach him by selecting his profile. Marc if you see that please contact me.

I came to Sunnyvale to get my renters policy and Valentina help me she is really helpful and…read moreprofessional I really recommend her

Jacky Yip was fantastic to work with! He helped me set up my Home, Auto, and Umbrella insurance all…read moreat once, and the total cost was actually even lower than my AAA Auto Insurance alone--with comparable coverage! Jacky was incredibly patient and flexible with my busy work schedule, and made the whole process easy and stress-free. Highly recommend Jacky to anyone looking for an insurance agent!

Sunny is a tremendous person who excels in what he does. He helps you identify your goals and…read moredevise a plan to get you on track. He does so in a very relatable and approachable manner. I would not hesitate to refer my dearest friends and family to him, and have done so in the past.

We've been working with Sunny for a few years. And he's managing our accounts amazingly. I've…read morereferred multiple people to him. I get so much peace of mind knowing that he's there supporting with our financial reality.

Working with Justin Coulombe has been a great experience!…read more He has been very effective, efficient, and responsive to all my requests and questions over the years. Truly a great professional to work with! Thank you Justin!

Kelly Cortes was awesome, as usual! Kelly helped me with an urgent request for a declarations page.read more

Paul is very knowledgeable about insurance issues and is incredibly helpful and generous with his…read moretime. He returns calls quickly too. I hope to do more business with him in the future.

Paul has helped me so many times over the years. It was at least 15 years ago when I first found…read morehim, possibly more, and I liked him immediately. He gives the kind of personal service that is unusual in the present day. He has helped me with auto insurance, health insurance, and business insurance needs. Paul listens to me and gives helpful advice and solutions that meet my needs and questions, never some generic answers. And he spends plenty of time with me, I never feel rushed. He is a great balance of professional and personal in his work, the kind of service I give to my own clients. I feel more than satisfied every time I interact with Paul. I'm not surprised the other reviews on Yelp echo my own wonderful experiences with Paul. He is clearly one of the best.

My family has been very grateful and happy with the insurance policies Mimi has helped us with for…read morethe past 15 years. Not only Mimi able to write the policies with same coverages but at a lower annual rate, she always takes the time to explain to me and my elderly parents what coverages that are most important to them. Mimi is responsible, reliable, honest and fiduciary as an agent and we would recommend her without any hesitation.

I first started working with Mimi over 10 years ago right before getting married. She and her staff…read moreare very friendly, professional, and patient, and I trust their advice on getting the right amount of coverage as well as apply as many discounts as possible. As my family has grown and our insurance needs have increased, Mimi has continued to help us add insurance policies over the years. We have referred her to friends and would recommend her to anyone, and we look forward to a continued relationship for many years to come.

First off, I had never heard of an insurance broker and had been using AAA for my policies for…read moreyears. After getting rear-ended on a freeway two years ago and having to call for various follow-ups on my claim, I never spoke to the same person twice which was frustrating and made the whole process more exhausting and draining during an already stressful time. ANYWAY, nearly a year ago, my mother recommended Ludwig & Fawcett so I spoke with Judy, my mom's broker, who connected me with Molly and I cannot say enough good things about her and her service. Molly has been absolutely fantastic, incredibly communicative, and she has the patience of a saint. As my insurance needs have grown, she has answered all of my many questions about different policies, limits, add-ons, etc. When issues have come up with renewing my policies (gotta love these wildfires), she has gone above and beyond to find policies that will work to meet my needs. I am an insurance novice and honestly, have usually found insurance policies a bit daunting but Molly is so gracious in explaining and answering (and re-answering) my questions. I feel so confident about her services and my new policies, it's been a relief. I cannot recommend Ludwig & Fawcett or Molly herself highly enough. THANK YOU!!

I've been with Ludwig and Fawcett for 30 years and they have helped me with my auto, home, and most…read morerecently Kelly helped my locate motorcyle insurance. She is very friendly and knowlegable, as is their entire staff.

After paying State Farm for homeowners insurance for 50 years, we recently discovered water damage…read moreand mold in a bathroom. We found that State Farm does not cover water damage or mold 99% of the time. Our claim was denied and Chang's office made no attempt to change the claim adjuster's decision. I'm looking for a new insurance company now

Fantastic service, great turnaround, and quick responses. Used Randy's services for a number of…read moreyears back when I lived in the Bay Area and now that I'm in SoCal, him and his team are still there to support me. Much appreciated and will be sticking with them as long as I can.

Let's be real. Insurance companies are crooked. My car is getting older every year yet my…read moreinsurance rates are climbing every year despite my excellent driving record. Home insurance is no different. It's required for everyone who possesses a loan yet if you live in a fire zone, you are considered "high risk" and will be expensive, if you can find it. Now if you live in CA, every area is a fire zone. I bet you they even consider Alcatraz a risk bc there are trees on the island. This year I finally decided to put my foot down and look for another company for my Homeowner's bc of the annual price hikes. I called Richard and got a really attractive quote but there were some conditions: 1) I need to install a Moen water flow monitoring device 2) I need to have a gas shutoff device and 3) Need to have an alarm system active which was not disclosed to me when the quote was provided. I felt this was a bit shady since this spending adds ~$600 to the amount I'm trying to save. The Moen monitoring device is not cheap. Since I have a 1 1/2" inlet water feed, I needed to buy the largest one Moen makes which is $500-600 on Amazon. I called around and some plumbers will sell them to you but of course they upcharge you so you're better off buying it yourself and hiring a plumber to install it. For complete transparency this total cost can set you back $2500-$3500 installed. All this device does is monitor your water flow and can shut off the water in case there's a pipe burst. Not very likely tbh but it's just another way Farmers is trying to disqualify anyone who cannot meet their demands. The gas shutoff device was a requirement for all homes built after the year 2000 in CA. My house is only about 5 yrs old which means it has it yet Farmers REQUIRES you to provide proof it was installed by the builder which I could not provide. That's like asking the builder to provide proof that you have 5/8" drywall installed. You know it's there, they know it's required by code yet they are finding another fiery hoop for you to jump through. They would not accept a picture as proof but wanted specific documentation which was impossible to obtain. I called PGE, the city, the builder, the plumber who build the house, and even the manufacturer of the device to see if they could provide this documentation. I spent weeks and finally was able to get the proof Farmers finally signed off on it. Throughout this process, Richard was very helpful. He return my calls and provided advice on how to obtain proof for the gas shutoff. He was actually compassionate about my ordeal and even offered to help pay for a plumber to help me obtain this certification. In the end, I got it figured out but I still stand behind my statement about insurance companies being scammers. They know homes built after 2000 has them installed yet they still force people through this agonizing process. The ones that cannot provide it simply get dropped and they are ok with this. I give Farmers a big fat 0 but Richard So's office a 5. Thanks Richard!

After the following review, Richard So's firm called me and helped me with purchasing additional…read morepolicies. They were knowledgeable and responsive to my questions. --- I have been using Richard So's Farmers Insurance services since 2000. I have a total of 7 policies (home, auto, umbrella, CEA etc.). In the last few months, Richard's team is super unresponsive -even after you do multiple email follows ups or phone follow ups there is no one getting back. I am trying to buy additional insurance policies, and each of these new requests are assigned to different people and even after numerous follow ups and email to Richard, no timely responses are provided. I am concerned about how this company will respond if I get into an accident and need a body shop referral or need a follow up on renewal of my existing policies, because the company is not even responding when I am requesting to buy additional policies.