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.
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 insurance deal, but I don’t want to pay extra fees or commission.”

“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

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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Focus shot of three people over a laptop.
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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.

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

Clients we serve

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.

Tanner Spott

I've been using Kwan Insurance Services for years now. They have always been incredibly helpful whenever I've had an incident. Most recently, Victor provided exceptional service and had a quick turnaround time when I inquired regarding my multiple policies. I can tell they have many years of collective experience and I would highly recommend them for anyone looking for a one stop shop for all of their insurance needs!

SDCV

Victor, the Principal, is very experienced in all kinds of insurance. He and his team found us the right homeowner and auto insurance. Great service and reasonable costs. Highly recommended.

Andrew Hwang

Karson & Victor made insurance swapping such a breeze. They are so knowledgable and responsive. They made insurance terms easy to understand. Karson checked a multitude of options and made a suggestion on which carrier would be best for me. I would definitely recommend him to run a quote for anyone in the market or who is looking for lower rates. KIS saved me over $1200 annually from a different carrier!

george wong

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

Bonnie H

mokeic

Karson was referred by a friend for insurance to replace a non- renewal policy. Karson was knowledgeable, efficient and detail. Within a day, he was able to send me a quote and a new policy. Very impressive indeed.

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.

Sally Liu

Karson was readily available and so helpful during this most recent claim we had to file. He stayed on the phone with my mom throughout the entire accident until it was all sorted out, and checked in after to make sure the claim was moving along. We really feel well taken care of like family, and trust Karson 100% with our insurance needs. Highly recommend!

Michael Wu

Fast and professional!

Karen Cheng

I took my son to get auto insurance and Karson was informative and reliable. He helped us to get a great coverage with a premium much lower that what we expected. I highly recommend Kwan Insurance.

Milly Shiu

Reached out on a Friday, sent link same day, I filled out application over the weekend, got quotes the following (for auto, home & umbrella) Tuesday. They told me upfront that my rates were likely the best already, but they still helped me out. The umbrella was inherited from a previous broker who had been non reponsive - and I asked if the policy could be switched over. They were able to do so in 24 hours. I am beyond relieved to find competent agents who took time to answer all my questions before even gaining my business. Thank you!

Mino Solomon

Karson is fantastic to work with. I was referred to him about a year ago and we now have multiple policies with his company. He always looks out for his clients and finds the best fit and price while also giving guidance on coverages specifically. Highly highly recommend!

Marcus Cheung

Wow, Karson is extremely knowledgeable on different insurance plans. I never thought I could enjoy buying insurance but here I am. 10/10 would recommend.

Edna Salinas

Highly recommend Kwan Insurance Services. I had a wonderful experience with Karson. He was very prompt, thorough and thoughtful. He took the time to explain to me options and quick to find solutions for me. I was very happy with his work. 👏👏👍👍

Wayne Wen

I was helped by Karson. I switched my vehicle insurance over and he was able to create a bundle with my home insurance as well. Above all, I really enjoyed the professionalism and urgency that he showed while working on my files. I felt secure and comfortable the entire time and have no problems recommending his services to any of my friends.

David Thissen

We had a great experience with Karson setting up insurance for our new home in California. He was extremely responsive via email and text, offered clear explanations, and provided us with everything we needed. Highly recommended!

Tiffany Zendejas

Karson was a great agent/insurance advisor to work with when my family and I were looking for a different bundled homeowners and auto insurance provider. He was incredibly responsive and able to provide multiple quotes, along with sound advice to help me better understand the right choice for coverage. At a time when many homeowners face limited options due to insurers no longer providing coverage for California residents I felt a sense of security working with Kwan insurance.

A F1

It was wonderful to have an agent like Karson Kwan, experience, friendly and patient, I’m absolutely delighted working with him. 😁

Gregg Medaglia

I met Karson at a car event and after my initial conversation appreciated his expertise in automotive insurance. I had 4 cars insured with AAA and was unsatisfied with the inconsistent agent contacts available to help me navigate and optimize my insurance coverages. After formally meeting with Karson and going over all my coverages, I have move not only my auto coverages but also home and umbrella coverages. I now consider Karson as part of my financial planning team. I couldn't be any happier I made the move.
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We listen to your needs, explain your options, and help you find the right coverage with confidence.
Get Personal Help - Get a free quote

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)
Connections with the best carriers in the industry
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
I called 8 different insurance companies for a landlord quote. A few companies did not offer landlord insurance coverage. Carson Kwan was highly recommended and he was professional and provided a reasonable quote compared to other companies. His staff is very kind and I would highly recommend Kwan Insurance!
Emma Buchanan
1 month ago
I took my son to get auto insurance and Karson was informative and reliable. He helped us to get a great coverage with a premium much lower that what we expected. I highly recommend Kwan Insurance.
Karen Cheng
2 months ago
Reached out on a Friday, sent link same day, I filled out application over the weekend, got quotes the following (for auto, home & umbrella) Tuesday. They told me upfront that my rates were likely the best already, but they still helped me out. The umbrella was inherited from a previous broker who had been non reponsive - and I asked if the policy could be switched over. They were able to do so in 24 hours. I am beyond relieved to find competent agents who took time to answer all my questions before even gaining my business. Thank you!
Milly Shiu
2 months ago
Karson is fantastic to work with. I was referred to him about a year ago and we now have multiple policies with his company. He always looks out for his clients and finds the best fit and price while also giving guidance on coverages specifically. Highly highly recommend!
Mino Solomon
2 months ago
Wow, Karson is extremely knowledgeable on different insurance plans. I never thought I could enjoy buying insurance but here I am. 10/10 would recommend.
Marcus Cheung
2 months ago
Highly recommend Kwan Insurance Services. I had a wonderful experience with Karson. He was very prompt, thorough and thoughtful. He took the time to explain to me options and quick to find solutions for me. I was very happy with his work. 👏👏👍👍
Edna Salinas
2 months ago
I was helped by Karson. I switched my vehicle insurance over and he was able to create a bundle with my home insurance as well. Above all, I really enjoyed the professionalism and urgency that he showed while working on my files. I felt secure and comfortable the entire time and have no problems recommending his services to any of my friends.
Wayne Wen
2 months ago
We had a great experience with Karson setting up insurance for our new home in California. He was extremely responsive via email and text, offered clear explanations, and provided us with everything we needed. Highly recommended!
David Thissen
3 months ago
Karson was a great agent/insurance advisor to work with when my family and I were looking for a different bundled homeowners and auto insurance provider. He was incredibly responsive and able to provide multiple quotes, along with sound advice to help me better understand the right choice for coverage. At a time when many homeowners face limited options due to insurers no longer providing coverage for California residents I felt a sense of security working with Kwan insurance.
Tiffany Zendejas
3 months ago
It was wonderful to have an agent like Karson Kwan, experience, friendly and patient, I’m absolutely delighted working with him. 😁
A F1
3 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 & Renters Insurance

See our policies on protecting your personal properties and valuables
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