I'm not new to using insurance agents. I know a lot about insurance. I am so knowledgeable, I know…read morenot to try and navigate those waters on my own. Be it home, auto, earthquake, umbrella coverage, health, I have always preferred using the expertise of an independent (as opposed to captive) insurance agent. I've had my share of agents over years in the different venues I've lived in. Most of them have been fine. While shopping for health coverage for my recent college graduate kid and my not yet Medicare covered wife was not so easy, not a lot of agents want to handle individual health coverage. I happened into the Hayek Insurance Agency and all I can say is wow! Dealing with Roger Hayek was nothing short of outstanding. We were about to choose a plan on the Covered CA website, which as it turns out would have resulted in higher out of pocket expenses for us. Mr. Hayek took his time, did his research, ran the numbers, called back when he said he would, and had the exact information we needed tailored to our specific situation with an eye toward future possibilities. He was also able to explain in detail, without getting into the weeds, the reasons behind his approach. He saved us money on our Covered California policy in the long run, and provided us some great financial information on HSAs as well As long as Mr. Hayek is in the insurance business, we shall be his client for any and all of our insurance needs.

I want others to be wary that using a 3rd party is useless and only resulted in me losing 999…read morerefills at $0 vs the 300 copay costing me over $299,700 based on my new co payment in the picture(s) below. They do not have access to any information from insurance we have been with them 20 years and because my salary changed so did my assisted coverage from the gov't. They blamed covered cal than i had a 3 way phone call and they blamed my actions with medi-cal(which i did what they asked) I have been paying for private insurance with 0 federal assistance which increased its rate by 300% almost 700 a month at 30 years old for 4 months(technically 3 because somehow magically i got my insurance card(again pictured below with email proof from hayek themselves but not the actual insurance.) As stated we have been on auto pay for 20 years and because of their negligence they messaged me 17 days into january to make the payment(even tho the policy was already cancelled and i was told by her higher up that she shouldve handled the occurence with blue shield instead of emailing me) i lost my policy number with my free 999 refills costing me over $299,700 based on my new co payment in the picture(s) below. This should be a crime and they should be fined/pay a restitution or closed for negligence.

I was overwhelmed by the various insurance options out there...but GIBBS insurance agency helped me…read morenavigate through it. I was a walk-in and Isela greeted me with a warm hug. I immediately felt comfortable and at ease. I made an appointment with Steve. He spent a tremendous amount of time and walked me through every step to make sure that my health, home and auto insurance was the best it could ever be!! I'm so grateful to have found them. Go see them you will be so happy you did.

As anyone that follows my reviews knows that it's rare that I give a good one and even rarer a five…read morestar review. After (and still) having Steve handle my companies health insurance for the last few years I'm ready to write a review. As with most people dealing with an insurance company it's a big pain in the rare and our experiences are no exception. After about a year of Steve asking me to allow him to take care of issues that come up with the insurance company and that I should trust him to take care of it. Again after a year of going in circles with Blue Shield I was so discouraged I said OK YOU HANDLE IT! He did, he has and he still is. I'm sleeping better and now when I can't get Blue Shield to process my prescription medications correctly I just send Steve an email and he takes care of it. The best thing about it doesn't cost me or my company anything for him to resolve these issues for us. I'm so impressed with him I've recommended him to others and they all have high praise for him. By the way I can be a big pain in the, well you know where and Bruce handles everything with cool professionalism and resolves problems. So when you get done beating your head against the wall because of your agent or insurance company call Steve.

I went to Keeley Landes because my wife and I have been talking about long term care insurance for…read moremany years. Keeley was very professional, explaining several options and some unique ways to pay for the insurance. We are completely happy with the insurance we purchased and thought the final premium was very reasonable.

Mass Mutual is not a business to trust. We purchased insurance a long time ago and they never…read morefollow up with you. It turns out that a different Mass Mutual representative, Lewis, took over our account from a different representative. When I complained to Mass Mutual in Chicago, the representative told me, "That's what happens when a different representative takes over an account, they don't put the time or effort into it, because they are not the originator of the account." Really? Mass Mutual would allow that? My advice would be to purchase insurance from a different company. One that holds their representatives accountable for all clients.

We were with this company for several years. We had home and renters insurance. Everything was…read morefine, until rates went up in California. In 2024, our home insurance was cancelled and we thought Paula Meeks (agent) would take care of us, as usual, and find us coverage. Granted, California made it tonight for its citizens, but, we thought our insurance agent could take of us. Our coverage would stop in November 2024, we called Paula and she said she would take care of everything. She claimed that we were covered by 'travelers insurance. We thought everything was fine until, our mortgage lender sent us notice that we were not covered. It was December 2025 when we were notified. We called Paula and she claimed that she would take care of it.... To make a long story short....she lied. Then would not answer our calls. Our mortgage company then charged us with their own home insurance and we were charged $700 for Paula deceitful handling of our insurance. We decided to visit her home office, only to find out that Gateway Insurance renting a desk space in another office. It was a desk that she rarely sat at. We felt conned. Beware, do not use Gateway Insurance, Paula Meeks......a rented desk within another business.

So Paula has been taking care of me for awhile now I can't even put into words how much she's…read morehelped me always so sweet and knows the industry like the back of her hand and is always on your side. I always refer friends and family because she always delivers she's freakin awesome person friend and mom !

The current insurance I had was up for a renew the next day. I got a quote from Brian which was…read moreless than I was paying. He stayed late till I got there and took care of me to change insurance right away.

I was referred to Paulson Insurance by our State Farm agent. We needed insurance for our son's…read morecondo downtown as Safeco had just sent us a notification telling us they no longer covered condos. Sarah, (one of the partners) got back to me within a couple of hours of my sending an email. She found us condo insurance through Mercury at a better rate with higher coverage and due to Mercury requesting we also move our cars, we did that and then decided since she had done such a great job, to move our umbrella and rental house insurance. She is very attentive and knowledgeable!!! Ann, her assistant, also has been very competent to deal with.

I reached out to Paulson insurance because I was referred to them by a friend and they did not…read moredisappoint. Sarah is extremely knowledgeable on all things insurance and was able to break it down and explain it to me so that it makes sense. She didn't try to sell me on anything, but truly listened to my needs and gave me advice and direction. Highly recommend this company!

I recently moved and wanted to switch home insurance carriers. My previous carrier made this…read moreprocess extremely (seemingly intentionally) difficult to say the least, but Frank and Amber had my back during the manual underwriting process and gave excellent guidance on my complex issues, and secured me the best possible rate for my insurance. I was so impressed that I ended up switching my auto insurance over to them as well. I couldn't have navigated this difficult process without their help and I'm so grateful. My home insurance rate is fair and I have an agent who cares about me as a client, two things I did not feel I had with my previous insurance carrier.

I've been with State Farm for over 7+ years. I've had nothing but great experiences every time I've…read morehad to deal with any representative! Frank is beyond helpful with any questions that I may have. Amber his office manager is very quick to respond and is very friendly and extremely helpful! I highly recommend State Farm and especially this office if your looking for excellent service and coverage!

I was a client of Denise for many years when she was with Liberty Mutual. I have also been an…read moreex-client of Denise for just as many years, to no fault of her own. The cost of insurance just kept increasing. Today, as I work with my current insurance provider, I am reminded of Denise and how special she made me feel to be her client. Denise delivered excellent customer service and went above and beyond to make sure that I was well informed of my insurance options. She always had time for me and made me feel special. It's been some time since I was a client of Denise. She was really cool to work with. You can't go wrong having Denise as your insurance broker.

Loved working with Denise. Its a nice change to deal with someone knowledgeable, honest and prompt…read moreanswering all my questions. She met with me in person (first time an agent has ever done that!) and was so glad she is locally in Carlsbad. She is my new go to for all things Insurance.