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David Kosar

5.0 (1 review)

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11 years ago

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Empire Insurance Brokers

Empire Insurance Brokers

(2 reviews)

I contacted Ryan at A&R insurance about 10 years ago to inquire about insuring a very unique…read moreproperty. He was able to insure it also with earthquake coverage too. I discovered that switching to him, he was able to save the homeowner association nearly 20% on the whole condominium association policy. He actually came out and saw the property. Ryan reviewed the the covenants for two other properties that I owned, and discovered that one of the covenants were written such that the HOA covered many of the interior improvements. I had redundant coverage and he adjusted my coverage saving me money. Previously I thought that one could just purchase insurance from a representative in a call center. it takes an experienced agent willing to review the specific situation, to avoid wasting money, or leaving gaps in coverage. Ryan has done that. Just recently, a deal to sell the townhouse was doomed to fail because the lender misinterpreted the HOA covenants' insurance requirement for the condo association. In a last-minute order, Ryan was able to implement the required coverage, handled correspondence from the lender, and single-handedly saved the deal. He went above and beyond expectations.

Cori is my agent at Empire, she is very personable, professional and easy to talk to. She made sure…read moreall of my questions were answered and explained things in an easy way for me to understand. Not to mention, she was able to find much better coverage for a much better price than what I previously had. I'm pleased with my experience and outcome!

Chris Jones - State Farm Insurance Agent - This International Women's Day, celebrate the women in your life by making sure everything is in order...

Chris Jones - State Farm Insurance Agent

(12 reviews)

Chris Jones has literally been a good neighbor for about 15 years now, and that's not just a slogan…read more-- it's the way he treats people. From the first time I talked to him, he's always been professional, patient, and genuinely caring. Over the years, he's helped me through all kinds of insurance updates and changes, always taking the time to explain everything clearly so I knew exactly what I was getting. I've checked rates online extensively -- believe me, nobody beats what Chris can offer. He finds the best coverage and the best value, and you can tell he truly loves helping people. He's also the friendliest person I've ever spoken with in any business -- I honestly felt like I was talking to an actual celebrity. Chris goes above and beyond for his clients, and he does it all with humor, heart, and enthusiasm. At one point, he even sang the "Like a good neighbor, State Farm is there!" jingle to me -- with full energy and pride. That moment summed him up perfectly: genuine, upbeat, and completely dedicated to making people smile while getting them taken care of. If you want an insurance agent who knows his stuff, delivers unbeatable rates, and treats you like family -- Chris Jones is the one you want on your side.

Chris was incredibly helpful with my 3 car and house bundle. He was able to get me better coverage…read moreand still save me hundreds of dollars. Super happy with his service and highly recommend!

Westphal Insurance Agency - AAA Washington Insurance - The Westphal Insurance Agency. Left to right; Sarah Boyd, Jeff Westphal, Julie Stahler. Missing Laressa Bernhardsen.

Westphal Insurance Agency - AAA Washington Insurance

(12 reviews)

I've recently received the following phone message from my State Farm Insurance carrier, telling me…read moreState Farm was not going to renew my homeowners' policy. (Not my agent, his assistant.) "The reason for the non-renewal is just basic claim activity. I know there's two claims in 2022 neither of them out any amount, but we're looking at frequency here, so they still count as two homeowners' claims, you know within the past year or so. So, the underwriting team has decided to non-renew the homeowner's policy, you have until June 29th." I was a bit confused because this was the only two inquiries since 2017 when we started our policy coverage. I called the Washington Insurance Commission to help me understand what just happened. The representative was very helpful. She explained that when you have a question to see if something is covered, do not go to your Home Insurance first, ask the Insurance commission. Some insurance companies base renewability on activity not just claims and State Farm is one of them. The representative advised I might consider a brokerage to solve the issue I'm in right now. I went to Yelp, read the reviews and I called Westphal Insurance and I was not disappointed. Julie is great. I was so worried about not having coverage and she just started working on it immediately and I am so grateful to have found them. Julie gave me comprehensive solutions and educated us on the coverage options we do have. As scary as it got, we are all so grateful and relieved.

Jeff and Trish have taken great care of my family's insurance needs, and are always responsive and…read moregoing above and beyond. Highly recommend giving them a call!

David Kosar - insurance - Updated May 2026

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