Trusted by 2000+ clients

Smart insurance starts with the right advice

For over 35 years, we’ve helped families and businesses get the right coverage at the best price - with personal guidance and claim support when it counts
Family-owned businessSame day responseRated 4.9 out of 5No extra cost for you

Multilingual service

We gladly serve you in English,  普通话,  廣東話.

Francis Yuen

5 stars service. Karson is a very nice person and good advisor. He is a very helpful person. He helped me find a good package for my car insurance. The monthly premiums for my car insurance were lower, but the coverage was much better. Highly recommend.

Sienna Ringgenberg

Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!

Hong Kwan

Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.

George Wong

Mr. Kwan is trustworthy. He never makes empty promise.

Andrew Collins

Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.

Curtis Liew

Great service by Victor and Karson, covering all my insurance needs!

Ajay Soni

It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.

Azaian Cagalingan

"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"

Richard P

I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.

Sarah Y Kim

“Karson was amazing to work with. Super fast to respond on all platforms (calls, emails, texts) and extremely thorough. He helped me find home insurance that saved me hundreds of dollars compared to my previous policy. I also switched my auto insurance to him, and he clearly explained the discounts available. By bundling, he was able to lower my overall costs even more. Excellent service and great savings!”

Hannah Chou

“Karson did a wonderful job helping my family find the best insurance plan for our new house. He evaluated the quotes that we received from an insurance broker and was able to secure an even better deal with more coverage. We highly recommend Kwan Insurance Services.”

Sarah Y Kim

“Karson was amazing to work with. Super fast to respond on all platforms (calls, emails, texts) and extremely thorough. He helped me find home insurance that saved me hundreds of dollars compared to my previous policy. I also switched my auto insurance to him, and he clearly explained the discounts available. By bundling, he was able to lower my overall costs even more. Excellent service and great savings!”

Richard P

I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.

Azaian Cagalingan

"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"

Ajay Soni

It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.

Curtis Liew

Great service by Victor and Karson, covering all my insurance needs!

Andrew Collins

Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.

George Wong

Mr. Kwan is trustworthy. He never makes empty promise.

Hong Kwan

Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.

Sienna Ringgenberg

Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!

Protecting California families & businesses for over 35 years

Learn more about who we are

About us

For 35+ years, we’ve helped families and businesses across the East Bay and beyond find the right coverage, in English, Mandarin, and Cantonese. We take time to listen, explain your options clearly, and support you - even when it’s time to file a claim.

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Clients currently being served
Real problems we solve

Insurance doesn’t have to be this confusing

We break down the fine print, answer your questions clearly, and help you make sense of your coverage - so you can feel confident, not overwhelmed.

“I don't understand U.S. insurance rules.”

"Why do I need business insurance anyways?"

“I want to get the best deal on insurance, but I don’t want to sacrifice coverage for that”

“It's hard to find someone who speaks my language.”

"I don't understand what coverage I need or don’t need."

“When something goes wrong, I don’t know what to do or who to call.”

“Am I overinsured or underinsured? ”

Our solutions & benefits

We’re here to help - every step of the way

Whether you’re getting a quote, updating a policy, or filing a claim, our team is by your side with guidance you can trust and service you can count on.
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Real people, real coverage

You get a personal advisor who explains everything clearly and helps you choose with confidence. No call centers or chatbots.
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 Family owned, 35 years strong

Locally rooted and independently run, we’re a family business built on trust, relationships, and long-term care. We’ve proudly served East Bay families and businesses for over three decades.
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We speak your language

Fluent support in English, Cantonese, and Mandarin for clarity, comfort, and cultural understanding.
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Smart coverage, great deals

We compare top insurers to find you the best policy at the right price, tailored to your exact needs.
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No hidden costs or fees

Our support is completely free to you. We’re paid by the insurer, never by you.
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Support through the claims process

We’ll guide you step by step, answer your questions, and make sure your claim is handled smoothly and fairly.
Get tailored advice - Get a free quote
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Response rate under 3 hours
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5-Star Google Reviews
We listen to your needs, explain your options, and help you find the right coverage with confidence.
Learn about how we work

Our process

From quote to coverage, we make insurance simple, clear, and tailored to your needs.

  • Get in touch(01)
  • Get the best, tailored quotes(02)
  • Get honest advice(03)
  • Set up your policy(04)
  • Get claim support(05)
Trusted by 2000+ clients in the Easy Bay Area and across the USA

Here’s what they are saying

Rated 4.9 out of 5 by real clients
5 stars service. Karson is a very nice person and good advisor. He is a very helpful person. He helped me find a good package for my car insurance. The monthly premiums for my car insurance were lower, but the coverage was much better. Highly recommend.
Francis Yuen
2 months ago
Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!
Sienna Ringgenberg
2 months ago
Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.
Hong Kwan
2 months ago
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
6 months ago
Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.
Andrew Collins
6 months ago
Great service by Victor and Karson, covering all my insurance needs!
Curtis Liew
2 months ago
It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.
Ajay Soni
6 months ago
"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"
Azaian Cagalingan
3 months ago
I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.
Richard P
6 months ago
See all client reviews
Our services

Insurance solutions for
every stage of life

From your first car to your family home or growing business, we offer personalized coverage that grows with you — backed by a team that’s here for the long run.

Personal Insurance

We offer a large variety of plans to ensure you and your belongings are protected. Take a look at all of our options below!

Auto / Car Insurance

Ensure you have the best possible collision coverage with our A+ rated carriers
Learn more

Homeowners & Landlord Insurance

See our policies on protecting your personal & investment properties
Learn more

Life Insurance

Protect your family's future with life insurance options ranging from term-life to long-term care policies
Learn more

Health Insurance

Protect you and your family with an affordable health insurance policy
Learn more

Get started today

Commercial Insurance

Starting and running a business is an expensive investment. Protect your investment with one of our many options.

Business Insurance

Shield your enterprise from unexpected liabilities with our top-rated carriers and flexible options
Learn more

Commercial Vehicles

Keep your business moving forward by protecting your essential vehicles with exceptional commercial auto coverage
Learn more

Property Insurance

Safeguard your buildings and assets with a variety of policy combinations to ensure your business operations are protected
Learn more

Employee Coverage

Invest in your team's well-being and safety by providing comprehensive benefits to the lifeblood of your company
Learn more

Get started today

No pressure, just honest advice

Start protecting what matters most 

We’re here to answer your questions, explain your options clearly, and help you choose the right coverage with confidence.
Personalized coverageFamily-owned care
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Years

In the industry
0.9

Rating

Based on 50+ reviews from real clients
Address
11960 Silvergate Drive, Ste. 101 Dublin, California 94568(925) 828-9933