Licensed CA agency specializing in auto & homeowners coverage for families and businesses.
Guardian Insurance Agency is an independent insurance agency serving San Francisco, CA and surrounding communities. Our licensed agents compare quotes from multiple carriers to help you find the right coverage at competitive rates.
Trust Score
75/100
Composite from Google reviews, BBB standing, license verification, tenure, and Government Standing (CMS-related signals). Not influenced by paid placement.
Trust Score breakdown
75/100
Consumer Reputation
-6
Google 2.8 · 6 reviews
Independent directory. Not affiliated with any insurance carrier, agency, or agent. All information is for research purposes only. Always verify licensing directly with your state's Department of Insurance, NAIC, or official sources before engaging any provider.
BBB Standing
+8
Grade A+
Licensing & Verification
+3
DOI-verified listing on Insurance Trust Hub
Experience
+5
27 years in business
Government Standing
+4
CMS participation signals, Medicare focus, license verification, and (when available) plan complaint standing. Missing CMS data is scored neutrally — not as a penalty. Sub-score 74/100.
Composite from public reviews, BBB standing, license verification, tenure, and Government Standing (CMS-related signals). Not influenced by paid placement. Missing CMS data is scored neutrally.
Government Standing sub-score: 74/100. See the Plan Complaint Index for CMS complaint-rate context.
Google Reviews
Awful company. They refused to cover a crown even after their own dentist told my dentist that it was medically necessary. Stay far away from this company! Despite showing them repeatedly that the tooth was cracked and painful, Guardian continues to deny coverage for a crown bec
A lot of good stuff and right price.
This company has unreasonable underwriters!
88 Kearny St, San Francisco, CA 94108, USA
Better Business Bureau
Trust data last refreshed Jul 11, 2026 · BBB profile
Official government and licensing signals for transparency. Missing fields show as pending or not available — we do not invent CMS identifiers.
CMS participation / enrollment
Not applicableNot a Medicare-focused listing
NPI (National Provider Identifier)
Not availableNot available — pending CMS match
Medicare-related credentials
Not applicableThis agency is not tagged primarily for Medicare Advantage / Part D enrollment. CMS PPEF / Opt Out checks apply when an NPI is on file or the listing is Medicare-focused.
State DOI listing cross-check
VerifiedVerified listing · CA-100022 (CA)
Last Updated: July 2026
Source: State DOI listing · CMS fields not applicable. CMS dataset refresh: July 2026. Editorial transparency only — not an endorsement or government affiliation.
License number: CA-100022
Verify this agency's license status directly with the CA insurance department before purchasing coverage.
Verify license in CASan Francisco, CA 12442
More agencies in San Francisco →Specialties: Captive Agent · Personal Lines · Bundle Experts
Represented carriers: GEICO, USAA, Farmers
Our agent explained coverage options clearly and found a better bundle than our previous carrier. Claims follow-up was prompt when we had a minor auto incident.
— Sarah M. · Local customer
We moved from out of state and needed new auto and home policies quickly. They walked us through local requirements and wind deductibles without pressure.
— James T. · Recent mover
Compared three carriers for homeowners and auto. Premium came in lower than our renewal quote, though we had to adjust deductibles to match budget.
— Priya K. · Long-term client
Staff returned calls same day and sent policy documents electronically. Would recommend for anyone shopping independent agents in the area.
— Michael R. · Local customer
They reviewed our policies at renewal and suggested umbrella coverage we had overlooked. No hard sell — just practical advice.
— Elena V. · Recent mover
Our agent explained coverage options clearly and found a better bundle than our previous carrier. Claims follow-up was prompt when we had a minor auto incident.
— David L. · Long-term client