Independent Insurance Agent · Southern California
Coverage You Can Count On
From the Coast to the Mountains
Independent insurance for homeowners, businesses, and contractors across California.
CA License #0C92552
Licensed Insurance Agent
Certified Covered California
Certified Agent
Medicare Certified
Medicare & Supplement Plans
20+ Years Experience
Independent Agent Since 2004
50+ Top Carriers
Access to the Broadest Market
Coverage for Every Chapter of California Life
Personal Insurance
From beachfront homes to mountain cabins, I find the right coverage for where you live and how you live. Home, auto, renters, umbrella, and more — tailored to the unique risks of coastal and mountain California.
Explore Personal Coverage
Commercial Insurance
Contractors, small business owners, and service professionals trust me to protect their livelihoods. General liability, workers' comp, commercial auto, and business owners policies — built around your trade.
Explore Commercial Coverage
Life & Health Insurance
As a Certified Covered California agent and Medicare-certified professional, I help individuals and families find the right health and life insurance — ACA plans, Medicare Advantage, Medigap, term life, and more.
Explore Life & Health Coverage
About Denise
Your Local Independent Agent
I work for you — not the insurance company.
With over 20 years of experience and access to 50+ carriers, I shop the market to find the best coverage at the best price for your unique situation. As an independent agent, my loyalty is to you.
20+
Years of Experience
50+
Insurance Carriers
4
Counties Served
What Can I Help You With?
Fast, easy requests handled same business day.
Certificate of Insurance
Need proof of insurance for a job, landlord, or lender? Request your certificate and I'll deliver it directly.
Request a CertificatePolicy Change Request
Need to update your coverage, add a driver, or change your address? Submit a policy change request online.
Submit a ChangeClient Stories
What Clients Are Saying
Real reviews from real clients on Google.
Megan Raff
Fabulous experience — she saved us thousands of dollars on our WC policy, and was so patient and good at following up on our requests.
Brandon Roberts
Denise was professional, knowledgeable, and a pleasure to work with. She explained everything clearly, answered my questions thoroughly, and made the process simple and stress-free. I highly recommend her for anyone seeking a dependable insurance agent.
Lobster Jo's
I have a very hard coverage to find, and Denise has nonstop been on my side to find it. Highly recommend her as her dedication to her customers is unmatched.
Allyson Avila
I absolutely love Denise. We have been working together for over 10 years now and I have no plans on changing brokers. She is knowledgeable, quick to respond and always helpful given our many different policies we hold. 5 Star all day!
Service Area
Serving Clients Across California
Based in Ventura County, I serve clients throughout California — from the coast to the mountains and everywhere in between.
Ready to Find the Right Coverage?
Let's talk about your needs. I'll compare options from top carriers and find you the best fit — no pressure, no jargon.