Michelle really has been helping me for many many years, even when my business was at the very beginning and her support has never changed. I highly recommend how serious and knowledgeable she is about several insurance matters. She really is great and responds immediately to queries. read more

I was trying to insure a new policy. Michelle was very helpful. She even went through my CC&R's and advised me with the right policy. She could have easily given me the highest quote, but she explained me what my Master insurance covers. I very much recommend her business read more

I was assisting my niece with applying for health insurance online through Covered California when I ran into some trouble. My niece is 18 years old and they could not verify her identity based on a lack of credit history. I called Covered Ca and an agent instructed me to contact Michelle Lin to help verify my niece's identity. Why would someone at Covered Ca (a federally funded insurance marketplace) instruct me to contact a private insurance broker? Well, at the time I was unaware that Ms. Lin is a private broker. When I called Ms. Lin she was very rude throughout the duration of our exchange. I informed her of who I was, the reason I was calling, and that an agent (couldn't remember a name) with Covered Ca gave me her phone number. She seemed so taken aback that I was contacting her and possibly offended. Ms. Lin said she didn't understand why I was calling her and asked who I was after I had given my explanation. I repeated myself and apologized if I was mistakenly given her phone number to contact. She rebuffed by saying that she understood now and that it wasn't clear as to what I needed at first. Ms. Lin confirmed that she could in fact help with identity verification, but she was currently unavailable. When I asked her whom I should contact she hung up on me. Realistically, the exchange was not as polite as what I have recounted here, Ms. Lin was totally unprofessional and down right rude. I did some internet research after my unpleasant exchange with Ms. Lin and could not find her as an employee with Covered California. I was surprised to find that she is a private insurance broker, I thought I had been directed to another Covered Ca employee. I don't believe Covered Ca would send any cases to an independent insurance broker, such as Michelle Lin. If they do in fact use Ms. Lin's services that is a shame, as she seemed to be uninterested and was unprofessional. read more

Michelle really shows her professionalism from just a quote email. She compares five insurance companies and shows the difference in each item. The time and effort she put into a single quote without knowing if there is business really differentiate her from others. read more

I asked for a quote for auto & home insurance, provided all information quickly, and never heard back despite following up.

Victoria was extremely helpful in reviewing my current insurance documents. I had her take a look at my home and auto insurance policy to see if she could offer a better quote then my current insurance carrier. She was very thorough and explained everything during the whole process. She actually informed me of some issues between what my home insurance policy and HOA for my complex claimed to cover. I was happy that she was so thorough in reviewing my documents. I highly recommend Victoria from Red Wave insurance to help with any insurance coverage needs! read more

I needed flood insurance in a pinch after my lender force-placed an expensive policy on a rental property. I emailed Michelle and she let me know my options very quickly and found a policy that will save me over $1200 per year! As a broker, she can shop around for the best rates and programs available. Throughout all our communications and interactions, I found Michelle to be very professional, knowledgeable and straightforward. I highly recommend Red Wave to anyone needing advice and product with all things insurance - you will be in good hands. read more

When I started to look for a new set of insurance, I did my due diligence: asking people and asking quotes to insurance agents. Red wave was the one I ended up doing the business. It was mainly because of the variety of options Michelle proposed and their alignment with my preference. She went much further than other brokers in searching for options, and was clear in communication. It made my selection process much easier. Thank you, Michelle! read more

Michelle Lin is an extremely professional broker and is always available to answer any questions you have. She goes above and beyond to make sure that you are getting the best pricing and policies based on your individual needs. If the pricing doesn't work she will not push you to move forward with a policy you are not comfortable with. I find that very admirable. I am a real estate broker and I also refer Michelle out to my clients and she does a great job of providing information in a timely fashion to ensure that they are covered with the right policy when they close escrow on their homes. Another great thing is that she can quote pricing from multiple carriers which helps give my clients a good sense of what's out there. Look no further!! You can count on Michelle! :) read more

Michelle Lin is an extremely professional insurance agent. She gave me a quote which was not in my budget. I was getting a quote for an event insurance. I told her about my low budget.If the pricing doesn't work she will not push you to move forward with a policy you are not comfortable with. I find that very admirable. She infact suggested/reffered me with another company which she does not deal with. I was able to get a cheaper quote from them. So I cannot thank her enough. She goes above and beyond to make sure that you are getting the best pricing and policies based on your individual needs. read more

Very bad services. I have Michelle Lin as my insurance broker for years. Her service gets worst. Slow responses and unprofessional. We got missed to renew our insurance policies with no reminder from either insurance company or her. She doesn't answers or suggest best insurance coverages based on her expertise in this area. Time for me to look for other insurance broker. read more

Michelle may be the most persistent person I have ever met. I'm starting a new business that is considered a higher risk industry. I have been told many times that E&O insurance will be next to impossible to get and would be at least $2000 annually. Michelle broke that barrier and was able to get me a policy for around $1600. I highly recommend her services. She seems to laugh in the face of challenges, and she will do everything she can to get the coverage you need. Do not hesitate to give her a call! read more

Michelle is unbelievably great! I highly recommend Red Wave Insurance Services regarding your insurance needs. Michelle is patient who explains things and makes her recommendations yet gives you several choices from which to choose. Michelle is not a heavy sales person at all; she is very well educated and is very professional. Whenever I need help or have a question, I know Michelle is eager to help and very quick to respond! She really have YOUR best interest in mind, not the big business, so refreshing! read more

We were in need of a insurance for our window cleaning business and Michelle was able to find us one with the best price. She is very professional and knows exactly how to treat a customer. I highly recommend Red Wave Insurance! read more

I've been using Red Wave for all my personal and professional insurance needs for the past few years. All I can say is that I HIGHLY recommend this company. Michelle(the Broker) is very professional, friendly, and is fully committed to finding the policy that would be in your best interest. She is so patient in answering my endless questions(even repeated ones) and does a wonderful job in making sure I was comfortable with the policy before I signed any papers and put money down. I am a very satisfied customer who will be sticking with this company for a long time! :) read more

Michelle was super responsive and send me multiple quotes for flood insurance. She was very patient in answering my questions and I settled on one of the flood insurance quotes she sent me. read more

Michelle is amazing. Very professional and responsive. I had to get flood insurance for a new house and had several issues along the way with the lender. Michelle quickly modified the policy to meet the lender's needs. She made a stressful situation much more manageable. And the price was far better than anything else I could find. I cannot recommend Michelle highly enough. read more

Michelle really helped me in both my business and personal insurance. She educated me on what I had in my current policy and recommended the coverages that I needed. The last agent had me on an older product which was more expensive - there was a newer product which had better coverage and less expensive. He didn't bother to update my policy so each year I was paying $250+ extra. Michelle is a independent broker, she was able to shop several insurance companies for me to compare. She is very responsive to my needs and requests. I highly recommend her. read more

Got the lowest insurance rates thanks to Michelle. Great service!!

First of all, being an ex cop, I'm skeptical of everyone....especially insurance people. I was introduced to Michelle by a mutual friend who raved about her and what she does. Michelle is a bit unique....she is an Independent Agent doing Home-Auto-Flood, etc. Being independent, she can shop ALL of the insurance companies and work for the client..not the insurance company. After speaking with Michelle for a while, I was impressed. I needed some help with some auto and rental property insurance and she totally came through. Big thanks!! read more