For individuals & families
Auto Insurance
Liability, collision, comprehensive, and everything in between - compared across multiple insurance markets so the policy matches your real life, not a template.
Get Custom QuoteIndependent Brokerage · California
Insurance That
Fits Your Life-Not
Someone Else's
Policy
Captive agents sell one company's products. We are independent — so we compare multiple insurance markets, engineer the coverage around your actual exposure, and stay with you as your life and business change.
California Licensed
Independent Broker
Multiple Insurance Markets
Personalized Coverage
Residential & Commercial
California Licensed
Independent Broker
Multiple Insurance Markets
Personalized Coverage
Residential & Commercial
Start Your Quote
Tell us what you'd like to protect
Choose one or more. Our advisors will compare multiple markets and build a tailored recommendation — no pressure, no obligation.
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What We Cover
Four worlds. One advisor.
Wherever you are — first car, first home, growing business, or legacy planning — you get one advisor who sees the whole picture.
For homeowners & renters
Home Insurance
Dwelling, belongings, and liability protection structured around your property - bundled intelligently with auto where it genuinely helps.
Get Custom Quote
For business owners
Commercial Insurance
General liability, property, commercial auto, and workers comp - sourced from multiple markets that actually understand your industry.
Book Consultation
For wealth planning
Life Insurance
Cash value life insurance strategies that protect your family now while quietly building long-term, tax-advantaged value for the future.
Book ConsultationOur Advantage
Independent Broker vs Captive Agent
A captive agent can only offer what one company sells. As an independent brokerage, Schepps Insurance compares coverage across multiple insurance markets — so your recommendation is built on choice, not quotas.
Access to a broad range of insurance carriers One advisor, many markets - never repeat your story Objective recommendations tailored to you
Schepps Insurance INDEPENDENT
YOU 
Schepps Insurance
Provider A
Provider B
Provider C
Provider D
Provider E
VS
CAPTIVE AGENT TRADITIONAL
YOU 
AGENT 
How It Works
A guided path to the right coverage.
No forms disappearing into the void. Every request follows a deliberate, advisor-led process designed around one outcome: the right fit.
Select Coverage
Tell us what matters - auto, home, business, life, or all of it. It takes under a minute.
01We Compare Multiple Markets
As an independent broker, we shop a broad range of insurance carriers on your behalf.
02We Match Coverage to You
Options are tailored to your needs, risks, and budget - never an off-the-shelf policy.
03Personal Recommendations
You receive clear, expert guidance in plain English. No jargon, no pressure, no obligation.
04
Tailored By Design
Coverage built around you
No single policy protects a whole life. We assemble the right combination — auto, home, business, and life — so each piece locks into place with the others. Nothing missing, nothing duplicated, nothing sold to you that you don't need.
Whole-picture review
We look at everything you own and owe before recommending anything.
No gaps, no overlaps
Policies are coordinated so coverage hands off cleanly between them.
Re-fitted as life changes
New car, new home, new business? We re-assemble the puzzle with you.
Testimonials
Real Clients. Real Results.
Real relationships, real reviews — from drivers, homeowners, and business owners across California.
Let's find the right protection, together.
One conversation. Multiple insurance markets. Recommendations shaped around your life — delivered by a licensed California advisor who actually picks up the phone.