Licensing and disclosures
Who we are and how we are regulated.
License
InsuranceMonster is operated by Michael A. Kassing, a licensed insurance broker in the State of California, California Department of Insurance license number 4445775. You can verify this license at the California Department of Insurance website.
Broker relationship
As a broker, InsuranceMonster represents you, the client, and shops your risk across multiple insurance carriers. We are compensated through commissions paid by the carriers with whom coverage is placed. Getting a quote is free and places you under no obligation.
Surplus lines disclosure
Some coverage - including certain wildfire and hard-to-insure home policies - is placed in the surplus lines market. Surplus lines insurers are not licensed by the State of California and are not subject to its financial solvency regulation and enforcement to the same degree as admitted carriers. Policies placed with a surplus lines insurer are not protected by the California Insurance Guarantee Association. Surplus lines transactions may be subject to state surplus lines taxes and stamping fees.
California FAIR Plan
The California FAIR Plan is a syndicated fire insurance pool that provides basic fire coverage when insurance is not available in the standard market. It is not a state agency and is intended as a temporary safety net. A FAIR Plan policy is typically narrower than a standard homeowners policy; we can help you evaluate difference-in-conditions coverage to fill common gaps.
No guarantee of coverage
All coverage is subject to carrier underwriting, approval, and the terms, conditions, limits, and exclusions of the issued policy. Information on this website is general in nature and does not constitute a quote, binder, or contract of insurance.