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I have been a homeowner in Santa Barbara for the past 26 years. I live in a high fire area where it can be difficult to get good homeowners insurance. For years I was forced to use California Fair Plan. Jeff and Luke at OS Insurance Services were able to find me a policy with much better coverage at a better price. They return my calls promptly and are always friendly and professional.

I give them my highest reference and my thanks for making what can be a difficult process almost enjoyable. I have been with OS Insurance Services for years and they are awesome. Jeff and Luke make insurance easy. I was originally with State Farm and OS Insurance not only saved me 30% on my insurance package but also gave me BETTER COVERAGE! They have also helped me with my Window/Door Company and have helped me save money there!

I have recommended several of my family members and would recommend Luke and Jeff to anyone who needs help with any of their insurance needs. After reading and agreeing with all of the consumer complaints about California Fair Plan we were so relieved to find something better.
Services
Our agency has been serving Californians since 2011, providing clients with insurance products and services, including home insurance, fire insurance, California FAIR Plan alternative, and more.
Whatever your insurance needs, we'll find the best coverage at the lowest cost.
You don't have to spend time filling out online applications to get quotes from multiple companies so that you can make informed comparisons.
We get to know and understand your needs and priorities.
We spend the time getting multiple quotes and comparing and analyzing policies.
We all love convenience.
We simplify your life and help you get organized by taking care of all of your insurance needs.
We do all of the legwork for you, and we make sure your most valuable assets are protected.
We make it easy by giving you everything in one place.
As an independent insurance agency, we're not limited to a single provider.
This means we're able to shop your coverage and find you the best coverage at the best price.
We represent you, and we'll always make sure to put your interests first.
A property may need a high-risk homeowners insurance policy if there's a greater risk of claims because of the geographic area, history of a high number of claims, lack of maintenance, high crime rate, or other factors.
Insurers often decline to insure or refuse to renew a high-risk property when a policy ends, making it difficult for property owners to purchase the insurance they need.
Fair Access to Insurance Requirements (FAIR) Plans are state-mandated programs that provide access to insurance for individuals with high-risk properties who are having trouble insuring them.
We know you can't put a dollar amount on your family, but you can ensure their future is protected.
And though costs are a real concern for most people considering life insurance, it never costs as much as you think.
After running multiple tests, doctors conclude you have an incurable medical condition that may affect the length of life you have remaining.
A million thoughts race through your head.
You're unsure of what to do or whom to call.
Your first priority is your family and who will look after their well-being when you're gone.
A well-structured insurance strategy can help protect your loved ones from the financial consequences of unexpected events.
How to strike a balance between work and leisure is just one aspect of the wide-ranging Lifestyle matters.
Understanding tax strategies can potentially help you better manage your overall tax situation.
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