About Michael Duvall Insurance Agency.
I have been in insurance since 1981. I spent that career as a Farmers agent, and today this is an independent agency, which means when you call I am looking at more than one company on your behalf. Michael Duvall Insurance Agency is not affiliated with Farmers. Two licensed producers, one office in Yorba Linda.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
About Michael Duvall Insurance Agency.
I have been in insurance since 1981. I spent that career as a Farmers agent, and today this is an independent agency, which means when you call I am looking at more than one company on your behalf. Michael Duvall Insurance Agency is not affiliated with Farmers. Two licensed producers, one office in Yorba Linda.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
Who will you be working with?
Me, or Tony Mercado. I am Mike Duvall, I have been in insurance since 1981, and this is a two-producer office in Yorba Linda.
I am licensed in California for Property & Casualty and for Life & Accident & Health.
I spent that career as a Farmers agent, which is where I learned how underwriting actually decides things — from the inside, not from a brochure. Michael Duvall Insurance Agency is not affiliated with Farmers.
Today the agency is independent. An independent insurance agent looks across several companies for you; a captive agent represents one. That is the structural difference, and it is the reason I made the change.
The working style has not changed. You get me on the phone, I read what you already have, and I tell you what I found in plain English instead of handing you a number.
What you can expect from us
Plain answers, more than one quote, and the exclusions page read out loud — here is what working with us looks like.
Exclusions explained before you sign
As an independent insurance agency we go through what the policy does not cover at quote time. Water backup, ordinance and law, roof settlement language — you will hear about them before the claim, not after.
More than one carrier at your address
We are an independent agency, so a decline from one company is the start of the search rather than the end of it.
One licensed producer who knows your file
You reach the same person at renewal and at claim time. You should not have to re-explain your house every year.
We know these neighborhoods
Hillside and canyon exposure, older tract housing, HOA condos — the things underwriters ask about here are the things we deal with daily.
The people you'll actually talk to
Two licensed producers, one office in Yorba Linda. You will get to know the person handling your file.
Mike Duvall
In insurance since 1981. Handles personal lines, life, and health, and reads the exclusions page with you before you sign.
Tony Mercado
Licensed since 2011. Handles the commercial side: general liability, workers' compensation, commercial auto, contractor license bonds, and the certificates a general contractor asks for before a job starts.
Are you licensed?
Licensed in California. Mike Duvall, CA Lic. 0606906. Tony Mercado, CA Lic. 0H52518. The office is at 3910 Prospect Ave, Unit C, Yorba Linda, CA 92886, open Monday through Friday, 8:30am to 5:30pm Pacific.
Straight answers, in their words.
“PLACEHOLDER_ verbatim Kevin Cox review pending. Quote as written, including the typo; trim with an ellipsis if needed.”
“PLACEHOLDER_ verbatim Joni Mckamey review pending (names Tony).”
“One call, every policy in the house, and the same person every time.”
Questions about the agency, answered plainly.
Do I pay more going through an agent?+
Is the agency still with Farmers?+
Who will I actually be talking to?+
What does a free coverage review involve?+
Call and you'll reach Mike or Tony, not a queue.
Send your current declarations page or a notice you received, and a licensed agent here will read it and tell you what it leaves out.
- 1Call or send the form
- 2We read your current policy
- 3You see the options side by side