Complete Insurance Service

Excellent service and knowledge of insurance products!
They have been my insurance agents for a few different policies (home, auto, etc) for a few years. Initially, I chose them only because they found me the lowest cost for all my insurance policies combined (through Mercury). I had shopped around a lot — Geico, Progressive, AAA, AllState, StateFarm, Travelers, etc. They moved very fast, when I called close to their closing time, because I needed to have my home insurance active the next day for mortgage underwriting.
Insurance premiums vary for everyone and they are not going to be the cheapest for everyone. But, I would happily remain with them even if the companies they represent happen to be slightly more expensive, because they really understand insurance products and can explain every fine print to me (like «nonbuilding structures» coverage). I have not found such knowledgeable answers in any other insurance office. This appears to be a family business that has been around for decades. So you are not talking to someone who has been on the job for a few months and is reading off the insurance marketing materials.
Communication, over phone and email, are excellent. However, the companies they represent have barebones online account access. I don’t think you can get online quotes. That’s why they have insurance agencies like this one to represent them. It is a bit of a work to get the insurance policy going — have to fax or mail things over. But, once the policies are setup, renewal is easy.

Complete Insurance Service acts as a partner and adviser, and still they are so warm and friendly they feel like family when you’re talking with them. They’ve helped me get the best priced insurance every time and make the process insanely easy — You can’t find that kind of service practically any where any more.

My husband has been with Complete Insurance since getting his very first auto insurance policy 25 years ago at the age of 17. CIS was able to give him a better price for a male teenage driver than he would have paid being added to his parent’s policy. After we married I joined the policy. Over the years we checked prices with other companies, just out of due diligence. After speaking to a USAA rep who said, «That is an amazing price. We could never match it.» we stopped checking. We’ve always been contacted by someone from CIS if a better price or policy comes available, without us even asking.
Over the years they helped us get a homeowners policy when we bought a house, they helped us deal with the insurance company after a fender bender, they helped us convert our homeowners policy into a Fire/​Dwelling policy when we turned the house into a rental, and they supplied us with a renters policy when we had to move for a job.
I admit, I enjoy chatting with Clare, and probably tie her up for too long when I call. I’ve worked with all three of them through the years, Chris, Brett and Clare. (And we miss Julie, not because I worked with her often but just because she is/​was part of the team.) They are always responsive both via phone and email. They are so easy to work with.
We’ve been with the Franceshcini family at Complete Insurance Services through our car purchases and losses, through buying a home, we’ve shared the information about the birth of our children, and I love getting a Christmas card from them every year. They are like extended family. We trust them completely.

I rarely write reviews but I just have to in this case. Complete Insurance Service has been my go to for all my insurance needs since I was able to drive a car some twenty years ago. I relocated to Santa Cruz fourteen years ago and I still use them — that should tell you something. I absolutely love the service I get from Clare; prompt, professional, and polite. I couldn’t ask for anything more. Thanks for all the hard work!

Amazing mom and pop place for insurance. I needed renters insurance and they hooked me up in 1 day. The staff is very friendly and I like that they don’t push things on you that you don’t need. I highly recommend coming here.

This is the best company!!! I have been with them for 10 years! They always answer all my questions and help me in any way they can. I have never had a bad experence. I have my cars (which are always changing) and my houses with them. They are family owned and that is how they treat me (on a first name basis) I never have to say my last name because they already know it. GREAT! GREAT! GREAT!
If you want great, special, outstanding service call Complete Insurance!!!

Brett, the former owner’s son, has approximately 25 years of experience and has taken over the business and runs this establishment with the rest of his family. Because this is a family owned and operated business, they take great care in giving very personalized service and make certain customer satisfaction is met to the highest of standards.

I was referred to Complete ins services by a close friend and a colleague. Its been now close to 10 years, I have a fairly complex package of policies that are inter-​twined, and kept accurate at any given time.
Being a family owned biz, Brett and his team are Top Notch. They research options, and find policies to fit your needs, and take pains to explain policy coverage in great detail, without pressure tactics.
They are courteous, quick to respond, and always there to provide
sound advice.
I highly recommend this small team of professionals who have
decades of experience in the Insurance business.
Its been a pleasure working with them and I feel ‘covered’ and ‘safe’
knowing I work with the folks at Complete insurance services.