Full-service independent agency in Bay Area bundling auto, homeowners, and life with health referrals. Tech local market expertise.
Full-service independent agency in Bay Area bundling auto, homeowners, and life with health referrals. Tech local market expertise.
Trust Score
83/100
Composite from Google reviews, BBB standing, license verification, tenure, and Government Standing (CMS-related signals). Not influenced by paid placement.
Trust Score breakdown
83/100
Consumer Reputation
+10
Google 4.8 · 19 reviews
BBB Standing
+8
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.
Grade A+
Licensing & Verification
+3
DOI-verified listing on Insurance Trust Hub
Experience
+5
20 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
Ricky and Denice at Kingsbay insurance saved us when no other company would/could! Denice worked for weeks getting us coverage on our Key West property after our original company dropped us for no reason. Denice found us better coverage at a comparable price. They actually answe
I can’t say enough amazing things about !Denise! From start to finish, she went above and beyond expectations. Her professionalism, attention to detail, and genuine care truly set her apart. She made the entire experience smooth, stress-free, and enjoyable, always taking the time
Kathie Leiva was extremely knowledgeable and helpful in securing the right insurance for Tengu Charters in Seattle. She understood exactly what we needed and guided us through the process seamlessly, ensuring everything was in place for our business to operate confidently. I high
9000 SW 152nd St #106, Miami, FL 33157, USA
Trust data last refreshed Jul 11, 2026
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-142569 (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-142569
Verify this agency's license status directly with the CA insurance department before purchasing coverage.
Verify license in CABay, CA
More agencies in Bay →Specialties: Independent Agency · Personal Lines · Bundle Experts
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
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.
— Sarah M. · Local customer
Compared three carriers for homeowners and auto. Premium came in lower than our renewal quote, though we had to adjust deductibles to match budget.
— James T. · Recent mover