Business Details
44 Years
experience
Your Trusted Independent Insurance Agency in Fullerton, CA
Allco Insurance was established in 1982 as a full-service independent insurance agency by Ron Hilbert and James Rew. Our agency expanded with the addition of Andrew Kadera in 2000 and Kirk Irvine in 2003. Today, we employ 12 full-time California-licensed agents dedicated to serving clients across the state. With expertise in personal, business, and life & health insurance, we serve over 12,000 individuals and families and 1,100 businesses. Our team prioritizes finding the best coverage at competitive rates while maintaining a family-like approach to client care.We represent major carriers like Liberty Mutual, Progressive, and Nationwide, ensuring diverse options for our clients. Decades of experience guide our recommendations, helping clients navigate insurance decisions with confidence. Our commitment to personalized service and community-focused solutions has solidified our reputation as a trusted local agency. Offices in Fullerton and Irvine provide convenient access for California residents seeking comprehensive insurance solutions.
Services
Auto Insurance
Homeowner Insurance
Renters Insurance
Boat Insurance
Motorcycle Insurance
Condo Insurance
Earthquake Insurance
Business Insurance
Life Insurance
Health Insurance
Details
- Year established: 1982
Highlights and features
- We represent a variety of insurance companies to meet any need.
- We've spent decades in the insurance industry offering expert guidance.
- We take care of our customers like family with personalized service.
- Our California-licensed agents specialize in both personal and business insurance.
- We provide coverage options from top-rated carriers like Liberty Mutual and Nationwide.
Services
Auto Insurance
Allco Insurance provides comprehensive auto insurance solutions tailored to individual needs. Our policies cover liability, collision, and comprehensive protection while offering optional add-ons like mechanical breakdown coverage. With access to top-rated carriers, we help clients secure competitive rates based on driving history, vehicle type, and coverage requirements. Our agents guide clients through policy selection to ensure adequate protection for California drivers.
Homeowner Insurance
We offer homeowner insurance policies protecting against property damage, liability claims, and additional living expenses. Coverage options include standard policies, earthquake endorsements, and specialized plans for manufactured homes. Our agents assess property value, location risks, and client needs to recommend appropriate coverage limits. Partnering with multiple carriers ensures competitive pricing for both primary residences and investment properties across California.
Business Insurance
Allco Insurance provides comprehensive business insurance packages for California companies of all sizes. Our offerings include general liability, commercial property, workers' compensation, and cyber liability coverage. We specialize in tailored solutions for restaurants, contractors, nonprofits, and technology firms. Our agents analyze business operations to identify risks and recommend appropriate policy structures from trusted carriers like Nationwide and Liberty Mutual.
Life Insurance
Our life insurance solutions help clients protect loved ones with term and permanent coverage options. We work with multiple insurers to offer policies that fit various budget and protection needs. Agents explain policy features like death benefits, cash value accumulation, and conversion options. Whether securing family financial stability or business succession planning, we provide personalized guidance to help clients make informed decisions about their long-term protection strategies.
Health Insurance
We assist individuals and families in selecting health insurance plans that balance coverage needs with affordability. Our offerings include major medical plans compliant with ACA regulations and supplemental policies for specific needs. Agents explain network options, deductible structures, and prescription coverage details. We serve clients seeking employer-sponsored plans, Medicare solutions, or individual marketplace alternatives while emphasizing long-term health security for California residents.
People
Ron Hilbert
Co-Founder
Ron Hilbert co-founded Allco Insurance in 1982 with a vision to create a client-focused independent agency. With over four decades in the insurance industry, he established the agency's commitment to personalized service and comprehensive coverage options while mentoring generations of insurance professionals.
James Rew
Co-Founder
James Rew has served as co-founder of Allco Insurance since its inception in 1982. His leadership helped establish the agency's reputation for expert guidance and carrier diversity. He continues to influence the agency's strategic direction while maintaining active involvement in client relationships and industry advocacy.
Andrew Kadera
Senior Agent
Andrew Kadera joined Allco Insurance in 2000, bringing specialized expertise in commercial insurance solutions. As a senior agent, he focuses on complex business risk assessments and policy structuring while maintaining key client relationships. His industry knowledge spans multiple sectors including construction, technology, and nonprofit organizations.
Kirk Irvine
Senior Agent
Kirk Irvine has been with Allco Insurance since 2003, specializing in personal lines insurance and estate planning solutions. He holds advanced certifications in life and health insurance products. His client-centric approach emphasizes long-term financial protection strategies while leveraging his expertise in navigating complex insurance markets.
Nancy Coulombe
Client Services Manager
Nancy Coulombe leads Allco Insurance's client services team with over 15 years of experience in insurance operations. She oversees policy administration, claims coordination, and client communication processes. Her focus on operational efficiency ensures timely service delivery while maintaining the agency's commitment to personalized client support.
Questions
What types of insurance does Allco Insurance offer?
Allco Insurance provides personal insurance (auto, home, life), business insurance (commercial property, liability), and health insurance solutions. We also offer specialty coverage for boats, motorcycles, and earthquake protection across California.
How do you help clients find the best insurance rates?
As an independent agency, we compare quotes from multiple carriers like Liberty Mutual, Nationwide, and Progressive. Our agents analyze your specific needs and risk profile to recommend competitive options with appropriate coverage levels.
Do you serve clients outside California?
While our offices are in Fullerton and Irvine, we primarily serve California residents. Our agents hold state licenses to provide insurance solutions across the entire state, including both urban and rural communities.
How do I file a claim with Allco Insurance?
Contact our office directly at 714-992-2390 or reach out to your specific carrier's claims department. We assist with initial reporting, documentation requirements, and coordination between clients and insurance companies throughout the claims process.
Can you help with business insurance for new startups?
Yes, our commercial insurance specialists work with new businesses to identify potential risks and create customized protection plans. We offer coverage options for general liability, property protection, and industry-specific needs for startups across California.
Videos
Reviews (6)
Atiana Forest McSwain
Jun 07, 2022
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Andrew Kadera is the best insurance agent in the Fullerton area. He is detail-oriented, responsive, considerate, and has the most kind heart. Andrew analyzes and considers all moving parts when writing/reviewing your policy and completes it with integrity. I highly recommend Andrew at Allco Fullerton for anybody with insurance needs!
Mike H.
Feb 25, 2022
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Kirk Irvine has been incredible to work with. Even with all the back and forth between me, our escrow, mortgage servicer, etc. he's been so incredibly patient and consistently delivered extraordinary customer service. Thanks for all your help Kirk!
Josh G.
Sep 09, 2021
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As always. ALLCO goes over and beyond for their clients. Thank you to the entire staff for providing my family and I a fantastic and seamless experience. Every time I have reached out for support or questions they have been extremely responsive and helpful. Hats off to Andrew and his team!
Jenna L.
Aug 03, 2021
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Lilly took her time to help explain the benefits of having certain insurance coverage levels, and also explained how making one lump-sum payment for our 6-month policy would save us on some processing charges compared to paying monthly. She was very patient at talking through and explaining the functions of each coverage item and how it worked (bodily injury per person/per incident; property damage; uninsured/underinsured motorist coverage; etc.).
She also took time to look at rent insurance, but we found that our current policy is a better deal. Overall, I have appreciated feeling listened to in regards to learning how to get our own car insurance for the first time (we've been paying our parents to stay on their policy), as well as listening to my concerns in regards to understanding what coverage we need for what we can afford. Lilly never made me feel pressured to go one way or the other - I only felt that Lilly had a genuine desire to help me learn about what insurance will cover my family adequately. Thank you for all of your help and time! It is greatly appreciated.
She also took time to look at rent insurance, but we found that our current policy is a better deal. Overall, I have appreciated feeling listened to in regards to learning how to get our own car insurance for the first time (we've been paying our parents to stay on their policy), as well as listening to my concerns in regards to understanding what coverage we need for what we can afford. Lilly never made me feel pressured to go one way or the other - I only felt that Lilly had a genuine desire to help me learn about what insurance will cover my family adequately. Thank you for all of your help and time! It is greatly appreciated.
Stanley Fung
Apr 30, 2021
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Ryan Fawley was prompt, thorough, and so patient to answer all our questions. He was extremely knowledgeable and really put us at ease since we were new to getting home and personal umbrella service. He found the best prices for us and we ended up even switching our auto insurance over to the policy that he found which saved us a lot of money. He also explained line by line what we were paying for and why we needed that amount of coverage. He was a joy to work with and had such a positive and patient attitude. We cannot wait to work with him for many years to come. 5 out of 5 stars!
Stacy B.
Apr 02, 2021
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What an incredible company! We met with Andrew Kadera and we couldn't be more thankful for his time. He cut through all the unknowns and questions we had about insurance and different coverage options- what was worth it and what wasn't. He was able to explain each part and find the best deals around. He's patient, knowledgeable, clear and Honest! He made time for us and was by far the best insurance agent we have found!
