I had home/auto/umbrella insurance with Farmers for more than thirty years[!]--without a homeowners…read moreclaim--but they cancelled the home policy in Q4/'2023...apparently when they realized the address was in SoCal...So we finally signed up with AAA...until they cancelled our home (still no claims) in January 2026. After a few weeks frustrating search on the internet, I talked to Nick Kazerouni, who clearly knows the market and options, and was willing to work hard to meet our requirements. He is careful, disciplined, responsive, and a nice guy. I think he will be especially valuable if you have some unusual requirements). I recommend him without reservation.

Nick always has your back and is very thorough. He's written Home, Car, Life, Earthquake, and…read moreUmbrella policies for us. Great (and timely) communication and a really nice guy. My wife had a situation with her car insurance that he was able to help resolve. Recently, I had a very unique situation with my Life policy that Nick was relentless about and was able to get the answer we needed. Can't recommend him highly enough!

I had to change insurance companies and get Landlord's fire insurance to do short term vacation…read morerentals. I am in a high risk brush fire zone 6, that no insurance company wants to insure in, especially with all the tremendous losses that "burnt them" in Calif. Well I set Yelp filters on "highest rated' first and Lutz Insurance came up. I wanted to talk to one of the people mentioned in the great reviews about them, and asked for those particular names. But this lady named Jennifer Patrishkoff (her name was not in any of the reviews) answered at Lutz Insurance, so I rather reluctantly told her of my insurance needs. Jennifer did GREAT for me. In a couple of days, she found me a fire insurance landlord's policy for only $1007 for $687,000 building coverage $5000 deductible, that is OK with AirBnB. I am paying $520 now for landlord policy $2500 deductible (WHICH IS SUPER CHEAP!) for $515,000 building coverage. My earthquake insurance sent me a dump letter (just before the Ridgecrest earthquake happened) because their reinsurance could only insure for 75% of the 100% of rebuild value. You know, California houses are soooo expensive, and there were sooooo many devastating fires, that insurance companies "get burnt", insuring them. So Jennifer found me earthquake insurance for same $687,000 building coverage as the landlord policy, with 15% deductible, and $10,000 personal belongings (I don't have much since this is a rental house, not my home) for $271, which is about the same as I was paying for before, because building coverage is more that the outgoing earthquake insurance. Get your insurance quotes from Jennifer. See if she can beat your current house and car insurance, too. She is the only agent who came through for me on a very difficult to insure house, out of the 5 brokers or so I contacted through Yelp. Like one guy did find me landlord vacation rental insurer willing to insure my high fire risk, but costs $3300 for same policy coverage as what Jennifer found me for $1007. And she did it real fast, too, against great odds. If your house is in high fire risk zone (above 3 or 4) you may not want to move from your present company, because they likely won't take you back if something happens with the company you move to. They only keep you if you are already a client, but won't take you back if you leave, cos you no longer fit into their underwriting parameters. Make sure you also read the 5 "Not recommended reviews" in a link at the bottom left of the first page. Ask Jennifer to give you quotes for your home and car insurance, too. She could not beat my Scottsdale house and car insurance, tho, like only found quotes for double the premium, in fact the auto was more than twice what I am paying now. But it PAYS TO SHOP!

I have been using Lutz for quite a few years now. They have always been highly communicative and…read moreprompt in responding to my questions. Lutz has been extremely helpful in finding the best insurance policies/prices for both Renter's and Auto insurance. I will continue to use Lutz for as long as they are in business:)

Always patient in explaining the ins and outs of the insurance world- and for going the extra yard…read morein finding us savings where possible. Thank you Patrick

I was referred to this agency by a friend. Kevin and Guy were both very thorough and very helpful…read more I didn't end up going with their agency ( nothing to do with their service!), but the interaction was so positive and professional that I felt the need to give them a good review. I highly recommend their services.

Sara and team are nothing short of absolutely amazing! We are thrilled to share Sara and her team…read morenot only answered more questions then they should have but were patient, understanding, clearly explaining the process and making sure we were good along the way! Sara and team, thank you! We are so happy, grateful and appreciative for all you have done for us!

When we purchased our house in 2020, Sara was great about contacting us frequently to check in and…read moremake sure that we were happy with our insurance. When it was time for renewal, multiple emails were sent and calls were made requesting immediate help and no contact was made. Her assistant called a few weeks later asking how everything was going and I informed her of my experience and how disappointed I was. I requested that Sara contact me and nothing happened. When the renewal was up again we got a new company and called Sara and canceled the plan and told them what was going and how disappointed we were with the service we received. They canceled the plan and then a couple of days later her assistant called me and asked me if I wanted to get Life Insurance. After informing her of my previous experience multiple times, I can't believe that she called after canceling the plan to ask if I wanted a different plan. Finally after canceling the plan Sara made it a point to contact me. Maybe if she had made an effort when I had sent multiple emails over multiple years asking for assistance she could have kept my business. I would NOT recommend Sara at all if you're planning to keep your policy for more than a year.

After reviewing your website there seems to be conflicting information regarding your location as…read morefollows: Your website states Solana Beach, Ca as your physical location. Yelp directions map to Stevens location in Solana Beach. I have been to the SB office and it has t been your office for quite awhile. On other areas of your website it shows Encinitas, Ca as your location. Do you have a street address or physical location? I am a policy holder and have not received notification regarding a new or additional location. Perhaps with COVID you now work out if your homes. Can you please UPDATE your website to reflect your office location? Appreciate it

UPDATE: Megan has been extremely helpful, while keeping our…read moreagent knowledgeable of our status. Just want to let you know I appreciate you, Megan for keeping everything on track!

I had an absolutely incredible experience with David. I had a mess of an insurance situation with…read moreCovered California and Medi-Cal and he got me sorted out. He is knowledgeable, patient, and understanding. He is easy to talk to and I always felt like I could trust him. Thank you so much, David!

I shop around and I found that for me, Cain was by far the best insurance. Nice people too!…read moreThanks for cutting me a great deal.

I found Taylor Schulte through his Live Wealthy podcast which I can highly recommend! When we…read morelearned their team was accepting new clients, we quickly got in touch to see if they may be a good fit for us. We had just recently retired and we felt that our "traditional financial planner" was not meeting our needs. We met with Taylor and Tyler, and to say we were BLOWN AWAY is not strong enough! These guys have Retirement Planning dialed in!! They were very thorough, asked the right questions and came through with a complete financial plan that was easy to understand and covered many things we had yet to think about. They showed us how Roth conversions could make a huge difference in our lifetime tax bill. They uncovered the (often mysterious ) fees we were paying within our various accounts and helped us simplify the assets to make them more manageable. For MANY years we paid our advisor but did not feel we were receiving what we needed. We couldn't articulate what we were missing because you don't know what you don't know!! Taylor and Tyler turned the lights on for us and we are very grateful. I also must mention that their office manager, Karen, is WONDERFUL too! She is professional, kind, proactive, and wonderful at detail and follow-up - she plays a critical part! These are ALL-STARS, and if you are seeking a team for your financial planning needs - look no further!!

Everything was great. The workers were good very polite. Everything was explained extremely well. I…read morewould recommend this business to everyone.

Thank goodness for State Farm and the Jim Coleman agency! They are THE BEST! We had a claim that…read morethey handled with so much attention and compassion, I can't recommend them more highly! In a time where you can get quotes on the internet and be shuffled around from person to person, it is truly a nice thing to be able to call to Kasi, Emily or Jim and get answers to questions! They take the time to care and to help and to even make you laugh if a laugh is needed! We have been insured with State Farm for over 40 years and I have never had anything but the best service from both Jim's office and State Farm. You may pay a little less somewhere else, but if customer service is still important to you, call Jim's office. You won't regret it!

We have worked with Jim Coleman's office for many, many years and we couldn't be more satisfied. It…read moreis so wonderful to call an office, speak to a live person and immediately they pull up all your information and you are getting great advice. Everyone at the office is very knowledgeable, understanding and professional. I simply cannot say enough good things about them.

I've had such a great experience with Thomas Duffy's office. Everyone is kind, patient, and quick…read moreto help whenever I have a question or need support. It feels good knowing my insurance is handled by people who genuinely care.

I needed to get a new homeowner's insurance policy so I called a few places for quotes. I got a…read morequote from Kathryn at their office in Escondido and she was super nice and helpful. She was great at explaining things to me, very patient. She listened to me and helped me customize my policy (I went to see her in person). She was very responsive via emails and phone calls. I ended up getting auto insurance with them too. I highly recommend this office for all your insurance needs!

Very happy with the team over at Macario. Very responsive and great to work with. Very helpful…read morealong everystep of the process.

Excellent Customer Service! Highly Recommend! Thanks David.read more