One agency for every policy you own, and a straight answer about what it covers.
Send us your current policy. A licensed agent reads it line by line and tells you, in plain English, what it does not cover. Free, no obligation.
Michael Duvall Insurance Agency is an independent insurance agency in Yorba Linda, California. We quote home, auto, business, health, life, and annuities with California-admitted carriers rather than a single company, explain each option in plain English, and tell you what a policy does not cover before you buy.
You'll know what's excluded before you sign.
In insurance since 1981 Independent agency CA Lic. 0606906
Non-renewed, or having trouble finding coverage?
Send us the notice or tell us what's been declined. We read it with you, check the California-admitted carriers we represent for your address, and explain the FAIR Plan with a companion policy where that's the route — and what each does and does not cover.
Mon–Fri 8:30am–5:30pm PTClosed weekends
Get a free non-renewal review →- Free review
- We read the exclusions with you
- Independent agency
Got a notice, a new house, a new driver, or a new business?
Start with the situation you're in, and we'll help you identify the coverage questions behind it.
Non-renewed
A notice says your policy ends at the renewal date and the carrier will not continue it.
Insurer left California
Your carrier told you it will not renew your California policy.
Wildfire zone
Your address scores as high wildfire risk and carriers decline it or price it as such.
FAIR Plan quote
Someone handed you a California FAIR Plan quote and you are not sure what it leaves out.
Premium went up
Your renewal arrived with a higher premium and no explanation of what changed.
Buying a home
Escrow needs proof of insurance before your loan can fund.
Teen driver
Your teenager is about to drive and you need them on the policy.
Starting a business
You are opening a business and need your first policies in place.
Everything you insure, in one place.
Your house, your cars, your business, and the retirement questions that come later — handled by the same office.
Homeowners Insurance
Coverage for the structure, what's inside it, and your liability — quoted with California-admitted carriers.
Auto Insurance
Liability, collision, and uninsured motorist coverage written with California-admitted carriers.
Business Insurance
General liability, property, and the certificates your landlord and your clients ask you for.
Workers' Compensation
Coverage California employers are required to carry once they have employees.
Life & Annuities
Life insurance for the people who depend on your income, plus annuities, disability, and business life.
Health Insurance
Individual and group medical, dental, and vision, including enrollment through Covered California.
Condo Insurance (HO-6)
HO-6 coverage for the part of the unit the HOA master policy leaves to you.
Landlord & Rental Property
Coverage for a property someone else lives in — the building, your liability, and the rent while it is being repaired.
Also:Umbrella Insurance·Renters Insurance·Commercial Auto·Professional Liability·40+ more lines →
Why people move their policies here.
What one agency for everything actually means.
Not tied to one insurance company
An independent insurance agency is not tied to one insurance company. An independent insurance agent shops several companies on your behalf; a captive agent represents one. That is the whole difference.
A named licensed agent who knows your whole file
Home, auto, business — same office, same phone number, and the same licensed agent who remembers your last call instead of a call center.
Choices, explained side by side
We're an independent agency. We put several California-admitted carriers next to each other and show you the differences in writing.
Licensed in California
Every quote comes from a licensed agent, and every policy is written with a carrier admitted in this state.
Licensed across California, local to Orange County
We quote statewide by phone and email, and we live with the same hillside canyons, older tracts, and HOA condos the underwriters ask about.
Straight answers, in their words.
Real reviews, quoted as written.
“If you are looking for a "Hands-on Agent" wish incredible integrity and risk evaluation skills, Michael is for sure your go to agency.”
“I am so happy with this insurance agency. I have been working with Tony Mercardo He is so helpful, honest and hand working. Along with a great personality. Everyone there seems in a cheerful mood when I call in. Which is so refreshing. I highly recommend. …”
“I highly recommend Mike. He is an awesome human being.”
Meet the people behind your policy
Michael Duvall Insurance Agency is an independent agency in Yorba Linda, placing coverage since 1981. Personal lines, life and health, and business and contractor accounts are all handled in house by licensed agents. Meet the agents
The agency was founded in 1981 by a career captive agent, which is where it learned how underwriting actually decides things — from the inside, not from a brochure. The agency has been independent since.
You get a named licensed person, not a queue — one office in Yorba Linda, licensed in California.
What we can back up.
Independent agency
Choices from more than one company
Since 1981
Placing coverage in California
CA Lic. 0606906
Licensed throughout California
Licensed across California. Local to Orange County.
Anyone in California can call — we quote by phone and email and place policies statewide.
Orange County
- Yorba Linda
- Anaheim Hills
- Placentia
- Brea
- Fullerton
- Anaheim
- Orange
- Villa Park
- La Habra
- Buena Park
- Tustin
- Santa Ana
- Irvine
Los Angeles County
- Whittier
- La Mirada
- Diamond Bar
- Rowland Heights
- Walnut
San Bernardino County
- Chino Hills
Riverside County
- Corona
Insurance questions, answered plainly.
Clear answers about notices, exclusions, coverage choices, and working with an independent agency.
Is it better to have an independent insurance agent?+
What is the difference between an independent agent and a captive agent?+
Do I pay an independent insurance agent?+
How do I choose an independent insurance agent?+
How do I request a certificate of insurance?+
What areas do you serve?+
Send us what you have now. We'll tell you what it misses.
A licensed producer reads your current declarations pages line by line, compares them across the companies we are appointed with, and hands back a plain-English comparison. Free, no obligation.
- 1Call or send the form
- 2We read your current policy
- 3You see the options side by side
In insurance since 1981 Independent agency CA Lic. 0606906