An independent agency that treats your coverage like our own
The kousa dogwood is known for putting down deep roots and thriving for generations. We built our agency with the same idea in mind — long-term relationships, steady guidance, and protection that grows with you.
Local roots, independent advice
Kousa Insurance & Financial Services was founded on a simple belief: Californians deserve an insurance partner who works for them, not for a single carrier.
As an independent agency, we’re free to compare policies across many respected insurers — so you get coverage matched to your real life, at a price that makes sense. And because we live and work here, we understand the risks that come with calling California home.
From your first auto policy to insuring a growing business, we take the time to understand what matters to you — and we’re here for every chapter.
People before policies
Every recommendation starts with your goals, your family, and your budget — never a sales quota.
Honest, plain-language advice
We translate the fine print so you understand exactly what you're buying and why it matters.
In your corner at claim time
Coverage only matters when you need it. We advocate for you through every step of a claim.
Built for the long term
We review your coverage as life changes — new home, new baby, new business, new goals.
Growing alongside the people we protect
Local to California
Founded to give local families and businesses a truly independent alternative to captive agents.
Multiple carriers
We partner with a range of A-rated insurers so we can shop on your behalf.
Coverage that fits
From auto and home to life and business, we help you protect every part of your life.
A trusted local partner
Clients across California count on us with their homes, cars, businesses, and families.
Licensed & accountable
CA License #0H51533 · California Department of Insurance