Northern California Independent Insurance Broker
Coverage Built
Around Your Life.
You deserve a broker who understands your property, your situation, and your future and who picks up the phone when you call.
John T. Jack Insurance Services
CA DOI P&C / Surplus Lines License #4459157
The California insurance market has fundamentally changed. Here is what that means for your home.
668,000+
7
3
Active CA FAIR Plan policies in 2025, up 44 percent in two years
Major admitted carriers that have paused or restricted new CA homeowners business since 2023
Markets I assess for every submission simultaneously so nothing is missed
WHO I AM
A Trusted Advisor.
Not a Call Center.
When you call me, you reach me. When something changes with your policy, I will already know. And when you need to file a claim, I will be standing next to you, not transferring you to a 1-800 number.
I built this practice around one belief: insurance should feel like a relationship, not a transaction. As an independent broker, I work for you, not for any single carrier. That means I shop every legitimate market to find the coverage that actually fits your life.
I have spent my career working with people who are navigating one of the most frustrating insurance markets in California history. First-generation homeowners who saved for years to get here. Families who finally found their home only to be told no carrier will touch it. Small business owners who built something real and cannot find anyone willing to protect it. People who were told the door was not open for them and kept knocking anyway.
I understand the California market because I live and work in it every day. I know which carriers are writing and which ones have walked away. I know how to find coverage when the standard options disappear. And I know that behind every application is a person who deserves straight answers, a fair shot, and a broker who actually picks up the phone.
That is what you get here.
John T. Jack
Broker License #4459157
NPN #18620039
Fully Bonded & Insured
WHAT I COVER
Every Policy.
One Relationship.
Whether you are a homeowner, a business owner, or both, I manage your full coverage picture across admitted carriers, specialty markets, and the California FAIR Plan. For commercial clients, my reach extends nationwide, placing coverage across all 50 states wherever your business operates.
Individuals & Families
Protecting your home, your belongings, and your financial future.
CALIFORNIA RESIDENTS ONLY
• Homeowners Insurance (HO-3)
• Earthquake Coverage
• Flood Insurance
• Personal Umbrella Policies
• Condo Insurance (HO-6)
• Renters Insurance
• Personal Articles & Valuables
• Auto Insurance
SPECIALTY & HARD-TO-PLACE
• TIC / Tenancy in Common
• California FAIR plan + DIC wrap
• Wildfire & High-Risk Zone Coverage
• High Value & Luxury Properties
• Vacant & Unoccupied Dwellings
• Surplus Lines & Lloyd's of London Access
Businesses & Professionals
Comprehensive protection for what you have built. From sole proprietors to international companies establishing a US presence.
COMMERCIAL COVERAGE AVAILABLE NATIONWIDE
• General Liability
• Business Owners Policy (BOP)
• Professional Liability / E&O
• Commercial Property
• Workers' Compensation
• Commercial Auto
• Cyber Liability
• Group Health & Benefits
SPECIALTY & HARD-TO-PLACE
• Non-Standard & High-Risk Commercial Coverage
• Mixed-Use & TIC Commercial Property
• Surplus Lines Commercial Placement
• Lloyd's of London Commercial Placement
• International Business US Expansion
• Excess Liability Placement
TIC SPECIALIST
San Francisco's TIC
Insurance Expert.
Tenancy in Common is one of the most common forms of SF homeownership and one of the most misunderstood by the insurance industry. Most brokers cannot place it. I specialize in exactly this.
48 hrs
3
Standard quote turnaround
Markets assessed per submission
668k +
CA FAIR Plan policies active, most need a DIC wrap
Every TIC-eligible admitted and surplus lines market in California
FAIR Plan + DIC structuring for properties standard carriers decline
Coordination with your TIC attorney and realtor from day one
Mixed-use and commercial TIC properties covered
HOW IT WORKS
Simple. Transparent.
Done Right.
01
Tell Me About Your Situation
Fill out the contact form or give me a call. I will ask a few questions about your property, your business, or whatever you are trying to protect. No jargon, no pressure.
02
I Shop Every Market That Fits
I submit to admitted carriers, surplus lines wholesalers, and the FAIR Plan simultaneously so you see the full picture, not just the first option that comes back.
03
I Present Your Options Clearly
You receive a plain-language summary of every quote with carrier, price, coverage highlights, and my recommendation. You decide. I handle the rest.
04
I Stay With You Year Round
Coverage questions, policy changes, claims guidance. I am here for all of it. You will not be transferred to a call center. You call me.
WHY WORK WITH ME
The Difference
Is the Relationship.
01
Independent. Always.
I am not captive to any single carrier. I shop every legitimate market and bring you the best option, not the most convenient one for me.
02
Never Alone in a Claim
When something goes wrong I am your advocate. I guide you through every step from the first call to the final settlement.
03
From City to Wildlands
TIC flats in San Francisco. Brush-adjacent homes in Sonoma and Guerneville. I know both markets and everything in between.
04
California Market Knowledge
I know which carriers are writing, which markets are tightening, and how to find coverage when the standard options disappear.
LICENSES & CREDENTIALS
CA DOI P&C Producer License
Property and Casualty, License #4459157
Surplus Lines, License #4459157
Surplus Broker Surety Bond #101085278
CA Surplus Lines Broker
CA Health & Accident License
Health & Accident, License #4459157
Surplus Line Assn of CA / Member Broker
CA FAIR Plan Registered Broker
CARRIER APPOINTMENTS
ADMITTED CARRIERS
Mercury Insurance
CSAA / AAA Insurance
Farmers Insurance
Kemper Insurance
Travelers Insurance
Chubb / ACE American
Cincinnati Financial
Hartford
Nationwide
USAA
PURE
SURPLUS LINES / WHOLESALE
Burns & Wilcox
Amwins Group
CRC Group
Monarch E&S
RT Specialty
Lloyd's of London
Markel
Lexington Insurance / AIG
Lightspeed Specialty
K2 Insurance Services
California FAIR Plan
California Earthquake Authority (CEA)
CALIFORNIA STATE PLANS
FLOOD
NFIP / National Flood Insurance Program
GET IN TOUCH
Let's Find Your
Coverage.
Getting the right coverage starts with one conversation. Fill out the form and I will be back in touch personally to talk through your options.
Realtor, TIC attorney, escrow officer, or international business establishing a US presence? I would welcome a conversation.