Auto Insurance
Liability, collision, and comprehensive protection for every driver in your household.
Learn MoreKevin Chen Insurance Agency
25 Yearsin Insurance Services and More
Real people — never AI — answer your calls. Immediate live assistance from a licensed local agent, not an automated menu.
AutoHomeCommercialLifeHealth
Farmers Insurance Group agentWe help individuals, families, and businesses find the right insurance coverage at the best possible price — with real people handling your claims, a quick response time, and full bilingual service in English and Chinese （中英雙語服務）.
Real People, Not Call Centers Fast Same-Day Response 25 Years of Experience
- Free Quotes
- Multiple Insurance Companies
- Real People Handling Your Insurance
- Quick Response Time
Request Your Free Quote
Takes about 60 seconds. A licensed agent responds the same business day.
Secure form Licensed & insured Multiple carriers
Insurance Carriers We Represent
A few of our main carriers — and many more available
Plus many more carriers we can shop for you — ask us about your options.
Why Customers Choose Our Agency
Real people handling your claims, quick response times, and options instead of a sales script.
Competitive Rates
We compare multiple insurance companies to find the best value.
Real People, Not Call Centers
Talk to a real licensed insurance professional who knows your name and your policy — never an automated menu.
Quick Response Time
Same business day replies by phone, text, email, or WeChat, and real people helping you through every claim from first call to final check.
Customized Coverage
We help you understand your options so you're never over- or under-insured.
Insurance Products
Personal and commercial coverage from carriers we know and trust.
Homeowners Insurance
Protect your home, belongings, and personal liability against costly surprises.
Learn MoreRenters Insurance
Affordable coverage for your belongings and liability inside a rented home or apartment.
Learn MoreCondo Insurance
HO-6 coverage that fills the gaps your HOA master policy leaves behind.
Learn MoreLandlord Insurance
Rental dwelling protection with liability and lost rental income coverage.
Learn MoreMotorcycle Insurance
Coverage built for riders, including custom parts and safety gear.
Learn MoreRV Insurance
Protection for motorhomes and travel trailers on the road and at the campsite.
Learn MoreBoat Insurance
On-water and on-trailer coverage for boats, jet skis, and personal watercraft.
Learn MoreBusiness Insurance
Business owner policies covering property, liability, and income loss.
Learn MoreCommercial Auto
Vehicles, vans, and fleets used for business — covered the right way.
Learn MoreWorkers Compensation
California-required coverage for employee injuries and lost wages.
Learn MoreGeneral Liability
Third-party bodily injury, property damage, and advertising injury protection.
Learn MoreLife Insurance
Term, whole, and universal life to protect the people who depend on you.
Learn MoreUmbrella Insurance
Extra liability limits above your auto and home policies — often for pennies a day.
Learn MoreHow It Works
Three simple steps — no pressure, no fees.
- 1
Request a Quote
Fill out the quick online form.
- 2
We Compare Options
We shop multiple carriers for you.
- 3
Choose Your Policy
Get the coverage that fits your needs and budget.
Why Insurance Matters
Plain-language answers so you know exactly what you're buying.
Why proper insurance matters
One accident, fire, or lawsuit can undo years of savings. Insurance turns an unpredictable loss into a predictable, manageable cost.
Cheap isn't always best
The lowest premium often hides low limits and huge gaps. The right policy is the one that actually pays when you need it.
Liability vs. full coverage
Liability pays for damage you cause others. Full coverage adds collision and comprehensive so your own vehicle is repaired too.
Deductibles
Your deductible is what you pay before coverage kicks in. Raising it lowers your premium — choose an amount you could pay tomorrow.
Policy limits
Limits cap what your insurer pays. Bay Area home values and medical costs mean yesterday's limits are often too low today.
Review every year
New car, remodel, teen driver, or new business? An annual review keeps coverage accurate and often uncovers new discounts.
Ways You May Save
Discounts vary by carrier and eligibility — we'll check every one you qualify for.
Multi-Policy
Bundle auto with home, condo, or renters.
Safe Driver
Clean driving records earn ongoing credits.
Good Student
B average or better for students under 25.
Home Security
Alarms, smart sensors, and smoke detectors.
Paid In Full
Pay the term up front and skip installment fees.
Paperless
Go electronic for documents and billing.
Low Mileage
Drive less than average and pay less.
Claims-Free
Reward for years without a claim.
Military
Active duty and veteran appreciation discounts.
Senior
Mature driver and retiree savings programs.
Meet Our Agency
Kevin Chen · 陳凱文 · Lic #0D55386
For 25 years, Kevin Chen has helped Bay Area families and business owners make confident insurance decisions. We're a licensed, independent local agency — which means our advice is built around your needs, not a single company's products.
Proud Farmers Insurance Group agent25 years of experience
Serving Sunnyvale and the greater Bay Area.
Honest advice
We tell you what you need — and what you don't.
Community involvement
Free enrollment help and bilingual service (English & Chinese).
Licensed professionals
Farmers agent and Covered California certified.
Coverage Comparison
Three common levels of protection. We'll help you pick the right fit.
Minimum Coverage
Best for: Budget-focused drivers with older vehicles and few assets to protect.
- State-required liability limits
- Uninsured motorist (basic)
- No collision or comprehensive
- Higher out-of-pocket risk
Keeps you legal at the lowest premium.
Most popular
Standard Coverage
Best for: Most families, homeowners, and financed vehicles.
- Higher liability limits
- Collision & comprehensive
- Medical payments
- Rental reimbursement & roadside
Balanced protection for everyday life.
Premium Coverage
Best for: Households with significant assets, teen drivers, or rental property.
- Maximum liability limits
- Low deductibles
- Umbrella liability layer
- Enhanced replacement cost options
Broadest protection with the fewest surprises.
Frequently Asked Questions
Contact Our Office
Call, email, or stop by — we respond fast.
Office address
341 Cobalt Way, #204, Sunnyvale, CA 94085
Business hours
Monday – Friday: 9:00 AM – 6:00 PM
Saturday – Sunday: By email or text
Add us on WeChat
Scan the code or search the ID
14087300000
中文服务 · Bilingual support
Get Your Free Quote
No fees, no obligation. Most requests are answered the same business day.