Direct guidance, clear policy reviews, and personalized protection for your home, vehicles, life, and business with an experienced local team.
Custom insurance packages designed to protect against unexpected risk and severe California weather hazards.
Homeowner, landlord, and tenant policies structured to navigate California brush and wildfire requirements.
Auto, motorcycle, and commercial vehicle liability and physical damage coverage with multiline discounts.
Term and Whole Life options starting as low as $8/month to protect family finances, mortgages, and estate goals.
General liability, business property, and umbrella policies customized for Northern California businesses.
Real feedback from local homeowners, drivers, and business owners throughout Northern California.
"I have reached out to Matthew for insurance estimates on a few different projects, and he has always been great to work with. He responds quickly, is easy to communicate with, and is always willing to help. He also handles California FAIR Plan insurance, which is really helpful. Definitely recommend Matthew!"
"Sharp Guys: efficient, available, easy to communicate with. We're in the Magalia extreme fire risk zone. They freed us from the California (Un)Fair Plan. Saved us $$$"
"Astounded by the complete process! Matthew has been patient, fully communicative in every step, answered all my questions & provided detailed information. He was able to provide me an umbrella plan for less than my prior policy w/Ca Fair Plan & Aegis. Truly appreciate his tenacity!"
"Matt Cross provides excellent service as a Farmers agent, particularly in commercial lines and life insurance. His knowledge of coverage options and risk management is thorough, and he takes the time to explain policies clearly. Highly recommended."
"The team has been awesome. The associates have helped me save money, get more coverage, and are always friendly and easy to talk to. They even wished me a happy birthday, which shows they care about their customers. I highly recommend them!!"
"Wonderful agent. Highly professional and concise. Great answers to all our questions. I highly recommend Matt."
Our licensed professionals are ready to assist you across personal, commercial, and life coverage lines.
As the agency owner, Matthew specializes in navigating California's complex insurance landscape. He works directly with families and business owners across Northern California and neighboring states to craft tailored risk management strategies.
Bryan helps individuals, families, and business owners protect their hardest-earned assets. Fully licensed across Auto, Home, Business, and Life coverage in California, he builds seamless multi-line packages to maximize discounts.
Benjamin focuses specifically on family financial protection and legacy planning. Licensed in California and Missouri, Benjamin helps clients structure highly affordable life policies—starting as low as $8/month—that provide peace of mind.
Short, informative animated updates covering coverage tips, wildfire navigation, and affordable policies.
Underwriters fleeing the state? How to get real dwelling coverage and defensible space solutions without losing your life savings.
Why pay $10 for a latte when family financial protection starts as low as $8 a month? Skip the stress and get covered fast.
Clear answers to common questions about property rates, business liability, and affordable life policies.
Fill out this short form and our local team will contact you with options.