One office in Yorba Linda. Every address in California.
Michael Duvall Insurance Agency works out of Yorba Linda and writes throughout California. We know Orange County housing street by street — hillside parcels, older tracts, HOA condos. Anywhere else in the state, send the address and we will quote it by phone and email the same way.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
One office in Yorba Linda. Every address in California.
Michael Duvall Insurance Agency works out of Yorba Linda and writes throughout California. We know Orange County housing street by street — hillside parcels, older tracts, HOA condos. Anywhere else in the state, send the address and we will quote it by phone and email the same way.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
Why does the address matter so much here?
Terrain, housing age, construction type, and how a property is used all change the questions an underwriter asks — sometimes street by street.
Hillside and canyon exposure
Parcels near open space and slope are scored differently than flat interior lots. Documented mitigation — roof class, ember-resistant vents, cleared defensible space — is what changes the conversation.
Older housing stock and HOA condos
Original roofs, older panels, and pre-repipe plumbing all draw questions in established tracts. Condo owners have the separate problem of matching an HO-6 to what the master policy leaves them. Condo insurance
Wildfire scoring and mitigation
A wildfire score follows the parcel, not the city. Where the admitted market declines, the FAIR Plan plus a companion policy is the usual path. How the FAIR Plan works
Coastal wind, salt, and older beach stock
Closer to the water, age and exposure show up in roofs, windows, and siding. Underwriters ask about updates and about how the home is used off-season. Homeowners insurance
Counties and cities we cover.
Orange County is home. We also write across Los Angeles, Riverside, and San Bernardino counties, and quote any California address by phone.
Orange County
- Yorba Linda
- Anaheim Hills
- Placentia
- Brea
- Fullerton
- Anaheim
- Orange
- Villa Park
- La Habra
- Buena Park
- Tustin
- Santa Ana
- Irvine
Los Angeles County
- Whittier
- La Mirada
- Diamond Bar
- Rowland Heights
- Walnut
San Bernardino County
- Chino Hills
Riverside County
- Corona
The same lines, whatever the address.
Coverage for the structure, what's inside it, and your liability — quoted with California-admitted carriers.
Liability, collision, and uninsured motorist coverage written with California-admitted carriers.
General liability, property, and the certificates your landlord and your clients ask you for.
Coverage California employers are required to carry once they have employees.
Life insurance for the people who depend on your income, plus annuities, disability, and business life.
Individual and group medical, dental, and vision, including enrollment through Covered California.
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.”
The things we can say plainly.
Independent agency
Choices from more than one company
Since 1981
Same office, same phone number
CA Lic. 0606906
Licensed throughout California
Written by people down the street
One local agency for everything you insure.
Your home, your cars, your business, your retirement questions — one agency, one phone number, and someone who already knows your file when you call. Mike Duvall has been in insurance since 1981. We're an independent agency, so we can quote several California-admitted carriers and show you the differences in writing.
- Home, auto, and business in one place
- Independent agency, several carriers
- Exclusions read with you before signing
- Licensed across California
Not sure what you need? Call (714) 777-3939.
Call (714) 777-3939Questions about where we write, answered plainly.
Do you serve my town?+
Do I have to come into the office?+
What happens if I move somewhere else in California?+
Tell us the address. We'll tell you who will write it.
Send the address and what you need covered. A licensed agent checks the California-admitted market and explains your options in plain language.
- 1Call or send the form
- 2We check the market for that address
- 3You see the options side by side