Joshin Bruguera – State Farm Insurance Agent

Incredibly smart, efficient, and fast. These aren’t the words I normally reserve for insurance brokers but Joshin is really on top of things. I needed homeowner’s insurance at the last minute because I wasn’t informed of the lender’s requirement until the day before escrow. Every agent I looked up was closed by 5pm on a Thursday. My real estate agent recommended Joshin. He picked up the phone right before 6pm, got my information right away and got everything done the same night.
HIGHLY recommended.

My review is for customer service which I received from Jennifer and Evelyn at this State Farm office. Besides catching them over-​charging me a few times (no — I did not move to a new zip code), they were unhelpful and rude when i was trying to get coverage on a car I need to move from state to state. Apparently, they will not offer me any short term coverage (6 months?) or will charge me for time which my car has been in storage, while I have been abroad.
After giving them my money for 3 years, I guess they don’t want any more. As I tried to get things figured out they just stopped returning my emails. My case is time sensitive and I live on the other side of the world — a little bit of customer service could have gone a long way (for me). I guess there is just not enough money in it for them?

I have been w SF for over 8 years but had a different agent in the south bay for our home owners policy. They were fine but I wanted to have an agent in SF and since Joshin was in Bernal and our home is in Bernal it made since to switch. I thought I would get the same fine service but boy was I wrong! I got excellent service. Joshin was able to look at all of our current policies and figured out to not only save us money but also upped our coverage. I had checked in the past about moving over our cars as well but it was more expensive at SF. Joshin was able to not only up our coverage but also manged to save us money w an over all umbrella policy. He took time to me met w me to explain all of our options and by taking this time he was able to uncover how he could work all of our policies together and to get us the right coverage under each, at the end of the day our coverage was upped significantly and we still ended up saving over $ 100. So I hope we don’t ever have a claim but if we do I feel confident Joshin will be by our side helping us with it!!!

Joshin has been a pleasure to work with, afer having my Mother as my insurance agent for over 30 years, I moved to San Francisco, I thought no one would ever live up to the level of service that I had been getting from my mom… Joshin has proven that he is more than up to the task! I would recommend Joshin, and often do, to any of my friends, family, or clients. Joshin has already shown that he cares when it counts, after my wife was in an accident and he was on vacation, I left him a message, within an hour he called me back to check on us, and the claim was resolved quickly and painlessly. This is what service should be!

I have my Worker’s comp insurance through Joshin’s office. He was very courteous and helpful through the process– it was quite easy to get it set up and running. What I appreciated even more was some service after that. After the first year I had the coverage they sent me the annual questionaire/​audit. I was stupidly late returning it due to not taking the time to check on some simple questions. I was concerned that if I didn’t get him directly I might not do so well with one of his office staff. Instead when I called and asked for an extension of time to get it done they couldn’t have been more helpful. It was foolish of me not to have been more on top of these details but I was thankful that his office staff reflected his level of service and I didn’t have to worry. Joshin has true service mentality and it shows in his people as well.

Recently needed to renew liability insurance for my office, ugh. There’s nothing more confusing than the 10 page document sent over by my previous provider (What’s covered? What’s not? Am I paying too much? Too little?) As a small business owner and sole employee I’ve got way too much on my plate already. So I sent Joshin a copy of my current policy and *shazaam!!*, literally TWO HOURS later he replied to my email…
He was able to not only double my coverage without raising my rate, but he quickly and concisely put everything into terms that were easy to understand. I feel like I can call/​email anytime and have a simple answer to any question. He’s knowledgeable and passionate and great at what he does. Insurance made easy! Thanks Joshin!

This is about my recent firsthand experience. So, my car was hit, yes, hit by someone else driving a truck, he got out of his truck (no damage) and told me he was at FAULT. My car was damaged and had to be in the shop for a week. I have paid my $ 500 deductible and have STILL not been reimbursed. Sad that Joshin cannot do anything to help me since he «can’t help in the clams process» really? So, what is your job? Lesson learned, don’t get hit and for you new comers, don’t call your insurance agent, just call the 1 – 800 right away and they will help you! So much for having an agent when all they do is have you call a 1 – 800 number!

I recently bought a motorcycle and decided to get insurances quotes from State Farm and Geico.
It was «Joshin, the guy I know» vs «Animated Reptile w/​British accent».
Reptile:
— 10 minute cold-​blooded form filling with a bug (really)
— Instant quote
— Complex quote-​checkout system with a bug (again?)
Joshin:
— 3 minute friendly phone conversation & couple 2-​line email exchanges
— Instant quote
— Twice the coverage, ²⁄₃ the price
— Did I mention Joshin is human, even humane?
My reptilian brain almost had me sold on the British accent, but I chose Joshin w/​State Farm. It’s a no-​brainer.

I switched my coverage today with Joshin from Progressive to State Farm. I now have more than double the coverage and I’m paying less for my policy. Joshin was so great, he looked over my old policy and showed me what I could potentially have and wow, I really am covered now in case of anything. It’s refreshing to know that I have someone who is professional, knows his business and actually cares. Joshin is excellent! I would recommend him to my family and friends in a heartbeat. Thank you Joshin for taking care of my policy.