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Trio Insurance & Financial Services

Protecting Your Family & Business Across All of California

We shop among 50+ insurance companies to find you a competitive price. Over 100+ years of collective experience protecting what matters most.

Trio Insurance & Financial Services is an independent insurance brokerage in Oakland, California that compares rates from 50+ carriers to find affordable coverage for families and businesses statewide.

Where We Serve

Get Your Free Quote — Or Ask Us a Question

Want a quote, or just have a question? Either way, a licensed agent will get back to you.

We shop among 50+ top insurance carriers to find you the best rate

Progressive
Nationwide
Mercury Insurance
The Hartford
Safeco Insurance
Kemper
Allianz
Transamerica
Who We Are

Your Trusted California Insurance Partner

Trio Insurance & Financial Services is an independent insurance brokerage with over a hundred years of collective experience in the industry. We offer Auto, Home, Business, Life, and Workers Comp insurance to individuals and businesses across California.

We believe insurance should be accessible and easy to understand. Our licensed staff is available to answer questions and help you find coverage that fits your needs. We shop among 50+ insurance companies on your behalf.

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A group of professionals meeting around a conference table
195+
California Cities
50+
Insurance Carriers
100+
Years Combined Experience
20+
Insurance Types
Client Stories

What Our Clients Say

Trio Insurance & Financial Services is a great place to buy auto insurance. I've been searching and comparing prices to other competitors and trying to see what works for me and with the help of Kevin Dela Cruz he has done that for me and thanks to him I have car insurance and I saved a lot of money.

Rachell-Holly V.

Awesome experience with this brokerage especially with the agent, Tom Pastor. Excellent customer service. They saved me and all my friends and relatives that I referred to them so much money on our auto, home and life insurance.

Fernando S.

I got my insurance from Trio Insurance & Financial Services, she was very helpful, great customer service, made it so easy, painless, great rate for having an international License. Need insurance call Linda.

Khaled K.

I have all my protection for everything here...including auto, renter's, life insurance, even college and funeral and estate planning! The staff here is incredibly helpful & knowledgeable and have saved me Hundreds of dollars!

Regina P.
Our Insurance Solutions

Complete Coverage for Every Need

From auto and home to business and life — we combine 20+ insurance types into one seamless experience.

Auto Insurance

Auto Insurance

Almost every driver in the United States is required by law to carry auto insurance. After an accident, auto insurance can protect you from financial devastation, pay to repair your vehicle and cover your medical expenses.

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Home Insurance

Home Insurance

Home, for most people, could be their largest asset. But, more importantly, it's where you raise your family and create memories that last a lifetime. Home insurance protects both your investment and your peace of mind.

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Business Insurance

Business Insurance

Trio Insurance & Financial Services provides comprehensive business insurance solutions to protect your company from potential lawsuits and financial losses. A Business Owner's Policy (BOP) packages all the required coverage a business owner would need.

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Life Insurance

Life Insurance

Everyone deserves a secure financial future and that's why life insurance is so important. It provides your loved ones with financial protection and peace of mind, ensuring they are cared for no matter what happens.

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Workers Comp Insurance

Workers Comp Insurance

California law requires virtually all employers to carry Workers Compensation insurance. It protects both your employees and your business by covering medical expenses, lost wages, and rehabilitation costs for work-related injuries.

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Other Insurance

Renters, Condo, Motorcycle, RV, Flood, Earthquake, Cyber, Commercial Auto, and more.

See All Options

We Also Cover:

Renters InsuranceCondo InsuranceUmbrella InsuranceMotorcycle InsuranceRV InsuranceWatercraft InsuranceClassic Car InsuranceFlood InsuranceEarthquake InsuranceMobile Home InsuranceRental Property InsurancePackaged BusinessCommercial Auto InsuranceGeneral Liability InsuranceCyber InsuranceKey Person Life InsuranceFleet Insurance
Simple Process

How It Works

Tell Us Your Needs

Fill out our simple form or call us. Tell us about yourself and what coverage you need.

We Compare 50+ Carriers

We pull quotes from multiple insurance companies to find the best match for your situation.

Get Covered

We present you the options. Choose what works for you and get covered.

Where To Start

Not Sure What Coverage You Need?

Pick the coverage closest to your situation and a licensed agent will walk you through what actually applies to you.

Auto
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Home
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Business
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Life
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Workers Comp
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Insurance Education

Click & Learn

Home Insurance

Risk Factors

You return from vacation to discover thieves have stolen electronic equipment from your media room.

Solution

Your home insurance can help replace stolen, damaged or destroyed possessions, up to the policy's stated limits.

Auto Insurance

Risk Factors

Another driver runs a red light and clips your car's rear fender. The driver doesn't have auto insurance.

Solution

Uninsured motorist coverage covers your bodily injury costs when caused by an at-fault driver without insurance.

Business Owner

Risk Factors

A business owner requires various types of insurance coverage to cover each risk, costing more if taken separately.

Solution

A BOP packages all required coverage. BOPs include business interruption, property, vehicle, liability, and crime insurance.

Key Person Life

Risk Factors

A company fails to retain clients based on a particular employee's skills or reputation.

Solution

Key Person Life insurance protects your business by covering the loss of essential employees.

Fleet Insurance

Risk Factors

Your driver has an accident while driving a company vehicle, incurring great damage to your vehicle and goods.

Solution

Fleet insurance covers all company vehicles, including overnight transit and employee accidents.

Cyber Insurance

Risk Factors

Your office system gets hacked. Personally identifiable information stolen. You must hire a PR firm.

Solution

Cyber Insurance covers data breach losses, PR costs, legal fees, and customer notification expenses.

Our Partners

Trusted Insurance Carriers

Progressive
Nationwide
Mercury Insurance
The Hartford
Safeco Insurance
Kemper
Allianz
Transamerica
City of the Week

Riverside, CA

Riverside County | Pop. 314,998

Auto in RiversideHome in RiversideBusiness in RiversideLife in Riverside
Insurance Tip of the Week

Renters insurance covers your belongings and your liability. Your landlord’s policy does not.

We are Committed to Protecting Your Dreams

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Report A ClaimWe'll help through the process from start to finishRequest CertificateNeed your insurance proof quicklyAuto ID CardNeed a copy? We can helpPolicy ReviewCompare plans and find better options

People Also Ask About Insurance in California

What is an independent insurance broker and why does it matter?

An independent insurance broker works with multiple insurance companies instead of just one. Unlike captive agents (such as State Farm or Allstate) who only sell their own company’s products, an independent broker like Trio Insurance shops among 50+ carriers to compare rates and coverage options. This gives California residents access to more choices, because carriers compete for your business.

How much does insurance cost in California?

Insurance costs in California vary significantly depending on the type of coverage, your location, risk factors, and the carrier you choose. Auto insurance rates differ between Los Angeles and San Francisco, and home insurance costs depend on wildfire and earthquake risk in your area. The most reliable way to find your actual rate is to compare quotes from multiple carriers, which Trio Insurance does at no cost.

What insurance do California residents and businesses need?

California requires auto insurance for all drivers and Workers Compensation for nearly all employers. Beyond legal requirements, most residents benefit from home or renters insurance, life insurance for families with dependents, and umbrella coverage for additional liability protection. Businesses typically need General Liability, Commercial Auto, and Professional Liability depending on their industry. Trio Insurance covers all of these through 50+ carrier partners across California.

Common Questions

Frequently Asked Questions

What types of insurance does Trio offer?
We offer Auto, Home, Business, Life, Workers Comp, and 20+ specialty insurance types including Renters, Condo, Motorcycle, RV, Watercraft, Flood, Earthquake, and more — all through 50+ carrier partners.
How does Trio find me the best rate?
As an independent broker, we are not tied to any single insurance company. We shop among 50+ carriers to compare rates and find you the best price for the coverage you need.
Is there any cost for a quote?
No. Our quotes are free with no obligation to purchase. We believe in earning your business through better rates and service.
Does Trio serve my city in California?
We are licensed across California and serve clients statewide, from Los Angeles to San Francisco and everywhere in between. See our Service Areas page for the full list of cities we work in.
How quickly can I get coverage?
In many cases we can have your policy active the same day. Contact us and a licensed agent will review your needs and find the right coverage. Timing depends on the carrier and underwriting.
What is an independent insurance broker?
An independent broker like Trio works with multiple insurance companies instead of just one. This means we can compare rates from 50+ carriers — unlike captive agents who only sell one company’s products.
Can I bundle my insurance policies to save money?
Often, yes. Bundling auto, home, and other policies together can reduce your total premium. Savings vary by carrier and situation. We can quote all your insurance needs at once and compare multi-policy discounts.
What insurance do California businesses need?
Most California businesses need General Liability, Workers Compensation (required if you have employees), and Commercial Auto (if you use vehicles). Depending on your industry you may also need Professional Liability, Cyber Insurance, or a Business Owner’s Policy.
How much does auto insurance cost in California?
Auto insurance costs vary based on your driving record, vehicle, location, and coverage level. California rates differ significantly between carriers, which is why comparing quotes is the most reliable way to find your lowest rate.
Do I need earthquake insurance in California?
Standard home insurance does not cover earthquake damage. Given California’s seismic activity, earthquake coverage is worth considering. We can add it to your existing policy or find a standalone earthquake policy.
What is Workers Compensation insurance?
Workers Comp covers medical expenses and lost wages when employees are injured on the job. California Labor Code Section 3700 requires nearly all employers to carry it, even with just one employee.
How do I file an insurance claim?
Contact your insurance carrier directly for the fastest claim processing. If you need help, our agents can guide you through it. Our Report a Claim page has direct links to each carrier’s claims department.
What factors affect my insurance rates?
Rates depend on your location, coverage level, claims history, credit history, and the type of insurance. Each carrier weighs these differently, which is why the same person can get very different quotes from different companies.
Can I get insurance with a poor credit score?
Yes. Because we work with 50+ carriers, we can look for options across a range of credit situations. Some carriers weigh credit less heavily than others.
What is the difference between term and whole life insurance?
Term life covers a set period (typically 10–30 years) at lower cost. Whole life covers your entire life and builds cash value. Which one fits depends on your goals and budget — an agent can walk you through the tradeoffs.
How often should I review my insurance?
We recommend reviewing your policies annually or after major life changes like buying a home, getting married, starting a business, or having children.

Ready to Take Control of Your Insurance Costs?

Get a free, no-obligation quote. We compare coverage and pricing from 50+ carriers.

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