Holmes & Holmes Insurance Agency delivers risk management solutions in California and the Western United States.  We’re family-owned and operated and are very proud to be independent.  Our independent status ensures that we can focus on our clients rather than serve the interests of a single insurance company.  It also allows us to insure a wide variety of people and businesses, which enriches our experience as a provider and helps us grow.

In California we insure a diverse group of businesses, including nonprofits, property owners, and farmers.  Throughout the Western U.S. our clients are more varied and include mutual water districts, self-storage facilities, and mobile home parks.  Our commercial lines have increased over the years, and as a result we can cover almost any business.  On the personal side, our lines are as diverse and plentiful as our commercial lines.  We’re happy to offer so many products because that allows us to serve a wider audience. 

We take great care to be informed about all of our products and the insurance needs that we meet.  This means that we’re current on market trends, rates, and developments that affect our clients’ coverage.  It also means that we know our clients well, and this is the most important part of our efforts because it allows us to provide strong, personalized services.

We started in a small town and learned to develop by doing business one-on-one with our clients while keeping them happy and protected.  We’ve never done business any differently: we help our clients make good decisions when it comes to financial planning by playing active roles in their lives and keeping them informed. 


We have been John's client for 7 years and are very happy with the service he provides. In particular, I like that he is always ahead of policy renewal dates and makes any needed paperwork hassle-free. He assesses our policies annually to help us get the most comprehensive coverage at the most favorable rate. I would highly recommend him for your insurance needs.
David Robertson - President, HSN Consultants, Inc.
“Thank you for your strong advocacy and work for us”
Vinita – President, Saint Joseph Supported Living Service, Inc.
Thank you so much for your diligence and perseverance on this. We are so grateful! The process and questions have helped us to identify the areas where we needed to implement some necessary risk-management procedures. We are better for it!
Nancy Martz - Apples to Zucchini Cooking School