I have my house here in Los Angeles insured with TWFG Simi Valley. I also have an umbrella policy. Justin Effler is my agent. He is the best insurance agent I ever met in my life. He is meticulous, friendly and effective. For example, I asked him a detailed question about my house insurance + umbrella policy, related to whether it protects me against libel lawsuits for my reviews here on Yelp. [This may not be widely known, but some homeowners insurances do provide such a protection.] Justin took this question seriously, read into the fine print of my Travelers policy, and determined that yes, it does protect me (as long as my reviews are honest). So, this gives me additional peace of mind when writing reviews here on Yelp. Thank you, Justin! read more

Justin was such a huge help to my husband and me when we needed to scramble to find new auto and renter insurance. He worked quickly and efficiently while maintaining both a professional and personable quality of work. I am so pleased with my decision to use TWFG Insurance of Simi Valley and grateful for the outstanding service. I recommend them to anyone and everyone and will continue to return when and if I need them. Thanks again, Justin! read more

Tim was incredibly helpful and made the process of getting insurance easy and painless. I've never had an insurance speak to me like family before. God Bless Set Apart Ins. You guys are definitely set apart read more

Justin spent a great deal of time with me, and got me the lowest deal of any other agency I spoke with. They are full service, and with the use of a computer he got me five different quotes in a matter of minutes. Besides being a great guy, he took the time to vet each companies offers including discounts I wasn't aware of....for example a discount for my graduate degree. When the docs came, he took the time to walk me through them to make sure I didn't miss anything and they came on time just as he promised. Would highly recommend him and his agency. read more

My husband and I have had all of our insurance needs not only just met but completely exceeded by TWFG Insurance for going on three years. Tim and Heather particularly have been so quick to respond to inquiries and assist even our family members with insurance. We began with renters insurance, then quickly utilized them for auto policies and are just wrapping up with pet insurance. Truly their commitment to exemplary service and professionalism is beyond any we have experienced before. We are so happy and highly encourage anyone interested in insurance services to partner with them. They are amazing! read more

I am very satisfied with the service. Justin went above and beyond to work with me. He called me multiple times to follow up without being pushy. There was a small hiccup with my credit card but Justin was very patient and helped me resolve it. Outstanding service not to mention most affordable prices! Highly recommend it! read more

Earlier this year we had decided to took for new car insurance. I am glad I found this agency who takes all the hard work of looking for the best coverage and price and do it for you. They were really accomidating with my crazy schedule and would email or text me and keep me updated on what was going on. Me and my husband ended up saving around $60 dollars a month. It was really quick and they definitly know their stuff. read more

Justin has been getting me the best rates on my car and home insurance for three years now. I even called him after a car accident and he walked me through what I was supposed to do. He's honest and trustworthy. I admire his ethics and his ability to get stuff done. Guys like him are what Set Apart this agency from the others. read more

Set Apart Insurance is truly the best choice when it comes to car insurance. Tim was my agent for several years, and when my insurance premium increased due to a string of bad luck accidents, I had to find insurance elsewhere. Tim continued to check my driving record and when he was able to once again save me ALOT of money on my car insurance he reached out and set me back up with Mercury. I am so thankful for the time and attentiveness Tim and his team have shown me as a customer, and that I once again can reach out to a person I know and trust any time I have a question instead of having to call a random 800 number! read more

My brother recommended this agency, so I gave them a call and they're able to give the best rate. Their customer service is great their staff make sure the effort to make sure their customers are happy. read more

I went to Set Apart Insurance on the recommendation that they take time with customers, and provide good pricing. I understand they handle many insurance companies. Since I already having Mercury Insurance, I was skeptical. I was using a well known insurance agency in Simi Valley. I had an incident with my car and my lawnmower (placed in my garage) over the last year, and they were not able to guide me through a decision nor coach me much on how I could navigate through the process and make a decision. Their answer was to call Mercury direct. In fact over the last 15 years, the only time I heard from the agency was when my premium was due. They never reached out to review my policies with me. Long story short, I gave Set Apart a shot. I sent over my insurance summary information to Justin who evaluated my coverage with Mercury and set out to see if he could help me. Not only was Justin able to beat the price of my old broker, but he was able to lower the deducible on my 4x4 at the same time! The insurance was still with Mercury, so that told me my old broker was not doing their job and was not customer service oriented. Justin explained that my collision coverage of 10/50 may not be enough to cover an incident. he was right - that coverage would not pay for a serious injury in today's inflated medical costs. Maybe it was OK 15 years ago but not now. I hadn't thought about this coverage much over the years. I decided to upgrade the coverage by a factor of 10, and it only cost me a small amount more! I was happy to move my business over to Set Apart, and am very happy with Justin's customer service and attention to detail. I would recommend Set Apart to anyone who wants another look at their coverage/premiums, or perhaps is not getting the proactive customer service they should be getting with their agent. read more

I appreciate that Justin gives me time to think through the quotes that is provided. He not only provides quotes but is available for the questions and provides great information. He makes the process of searching and buying insurance easy. read more

My husband and I have been customers of Set Apart Insurance for several years. We wouldn't go anywhere else. They have saved us a lot of money and provided us with service that I can only describe as extraordinary. Tim Curts has gone over and above anything we would ever imagine to get us the best rates at solid, highly rated insurance companies, and provide us with service that we haven't ever experienced before. Set Apart takes care of our business and personal insurance policies. Carissa is always kind and very helpful. Set Apart is trustworthy, concerned about our welfare, always available, honest, and committed to excellence in every regard. read more

Found the best pricing on insurance when others couldn't. I would highly recommend Set Apart Insurance.

Justin gave me great service when I went to see him. Great and fast quote and he beat all other companies that were vying for my business. Highly recommended and will continue business with him for years to come. read more

Worked with Tim on getting some renters insurance. He knew his stuff and the company was super quick, knowledgeable, and worked with my budget! Highly recommend this company as dealing with insurance can be a pain in the $#! but not with Set Apart! They live up to their name! read more

I have nothing but great reviews for Set Apart and its staff. They are all personable and professional. I was able to save at least $50/month by switching to them from esurance for both auto and rental. Also, Tim Curts, my rep, was willing to work with me on a couple of different quotes to see what worked best for me before I officially switched! I highly recommend getting insurance with these guys! read more

I have recommended Set Apart Insurance to 10 people in the last month. I was in a jam and needed to find a new insurance provider that could provide more coverage for a minimal increase in cost. Justin was able to find me more coverage for less than I was paying before. These guys are great! read more

I would like to say working with Justin Effler was the most stress free and helpful insurance deal I ever made. There are so many agents that tell you anything to get your business. I can personally tell you Justin is the most honest and trustworthy agent I have ever worked with. I started with insurance on my 2 vehicles with full coverage on one and through the process of 6 months I had my rate get cheaper twice without losing any of the benefits. I never asked but was given a phone call to let me know my rate had gone down. I can only imagine how many peoples rates should be lower but the agent never changes the policy. Justin is a friendly stand up guy that always gets back to me and solves my insurance problems quick and effectively. I highly highly recommend Justin for your insurance needs. read more

Working with Tim at Set Apart has been nothing but a positive experience. He saved me a good chunk of cash on my car and motorcycle insurance, was very knowledgeable about all my options, didn't try to upsell me on anything I didn't need, and he's always very prompt about making any changes and updates I need. Definitely a business with integrity as some of the other reviewers have mentioned and they really have your best interests in mind. read more

My record isn't perfect but Set Apart Insurance Agency still managed to find the right insurance to meet my needs. Tim was great! He was very patient and got me the best quote. Thank you for the great service! read more

Set Apart team is simply the best! I can't imagine working with anyone else for all my insurance needs. They are professional, compassionate and knowledgeable. Insurance details can sometimes be confusing and overwhelming to understand. The Set Apart team took the time to thoroughly explain all our options in a way that made sense to us so that we knew exactly what we needed. They are a honest and trustworthy team of people who all genuinely care about their customers. Highly recommend working with Set Apart! read more

Great, knowledgeable and friendly service from Heather. Tim Curt's is very friendly and takes time to explain everything to me, I feel confident having all of my insurance needs met here. I would recommend this insurance company to everyone!!! read more

Been with this company for a couple years. They are always very quick with responses, polite and helpful. Would highly recommend them.

Tim Curts helped find a better earthquake insurance provider and better coverage options, ultimately saving us over 30% on our premium. We appreciate his thorough review and follow through with our insurance needs. read more

5 stars and then some! Before I had even gone to Set Apart Insurance for my own needs, I had already referred my own mother to Tim for issues she was having regarding car insurance. I know Tim and several of the other gentlemen who work at Set Apart, having been in the same church group with them for many years prior. I knew if anyone would do whatever they could to get the best possible rates, even under the worst conditions, it would be Set Apart. The name says it all. SET APART! It's not just another conglomerate insurance place, when you are with Set Apart, you are family. I had to navigate the tricky waters of health insurance and finding a plan that would suit my health needs while also not bankrupting me, as Blue Shield decided to up my rates another $100 per month without any consent on my part for 2017. I went through Justin Conkey and even after our first meeting I was still hesitating on which was the right plan for me, so he did NOT pressure me into just picking the highest plan right then and there. He printed out all the info I needed to compare and contrast and let me think it over. I went home with the information, studied it through, asked him questions on the phone, and I knew I could trust his honest opinion...not just as an insurance broker, but as a friend, a hardworking family man, and a Christian. I knew after looking over everything, and Justin informed me, that even though my current health insurance plan was going to be nearly $600/month at the start of the new year...which I absolutely could not afford anymore... if I went too low down on my new policy that the monthly premiums would be much lower, but the overall deductibles to be met and other out of pocket costs would skyrocket and still end up costing me in the long run. It was not BS or "upselling", it was true, and with my health, I need pretty extensive coverage. I work, but am not able to hold down a full time job, so I needed affordable, but not cut rate coverage. The Silver PPO was much cheaper than the Gold Plan, and loads cheaper than the previous Platinum plan I once had through Blue Shield...but what I saved on monthly premiums would quickly get eaten away by hefty co-pays, deductibles, and higher prescription and diagnostic testing costs. I was not coerced into picking the Gold Plan simply because it was more expensive than the Silver, I came to the conclusion on my own, evaluated my healthcare needs, weighed my options, and with Justin's guidance and knowhow of the way the insurance game works, told him to go ahead with it. He completed a good 75% of the paperwork on his end and all I had to do was digitally sign some consent waivers and terms of service, verify my info, and pay my first month's premium for January 2017 online. I honestly was banging my head against the wall when it came time to choose a different plan and was so grateful Justin took time out of his busy schedule, even being a father to a brand new baby girl, to go to the office, to meet with me, to talk with me over the phone about every question or concern I had, I could not have done this on my own in the slightest. I appreciated that both Justin and Tim took their time out to help my mother and I extensively with our insurance needs and do everything possible to make the best out of a confusing and difficult situation. They're the guys you need to see for service, quality, and honesty! read more

Incredible service here! Tim was incredibly helpful, prompt and informative. I would highly recommend him and Set Apart Insurance to anyone!

These guys have a lot of integrity and after I was rear ended on the freeway I called Justin right away who helped me out. I recommend them, really helpful. read more

Justin is awesome! He is very patient and works hard at finding the best quotes available. For 3 vehicles with full coverage, I received an awesome personalized estimate! I will be purchasing a vehicle for my daughter soon and I will be contacting Justin for his assistance and expertise. read more

Justin goes above and beyond when it comes to availability and knowledge of services. I can always count on him.

These days it's rare to find the quality of customer service that Set Apart Insurance provides! Above and BEYOND!!! I was referred by a friend, to give Tim at Set Apart Insurance a call and I am SO glad I did :) Great rates for everything!!! I called for Auto Insurance and every question was answered as well as options given. I was so pleased with the overall service that I ended calling back when I needed Renter's Insurance too! I highly recommend Set Apart Insurance. Give this place a call and you will NOT regret it!! read more

I was recently in need of auto insurance for my stick shift lessons business. I spoke with Justin Effler who was a tremendous help in finding the lowest rate for me. He saved me about $3,000 a year...yes, $3,000! He's hard working, a man of integrity, and I guess you could say he comes through in the clutch. Give him a call before you check anywhere else! read more

Tim and his team take great care of me! I always know they will have my best interests to get me the best rates.

Thank you Justin for the quick and easy insurance quote/policy. You have made my decision super easy and it was a pleasure doing business with you and your team. read more