We're Freeman Insurance Services, located at 1035 San Pablo Ave in Albany. As an independent agency, we compare coverage across multiple carriers to find the right fit for your home, your car, your business, and the specific risks that come with living in the East Bay — including earthquake exposure, older housing stock, and hillside wildfire proximity. If you're tired of call centers and one-size-fits-all policies, we're the alternative.
Albany's Independent Insurance Agency — On San Pablo Ave and In Your Corner
Albany Homes Carry Risks That Generic Policies Often Miss
Albany's housing stock is largely pre-1980s construction — charming, well-built, and expensive to rebuild correctly after a major loss. Many longtime homeowners are carrying replacement cost estimates that haven't kept pace with today's labor and materials costs in the Bay Area. That gap can be financially devastating after a fire, earthquake, or other covered event.
We review replacement cost coverage as part of every homeowner consultation — not as an upsell, but because knowing your real rebuild number is the foundation of any policy that actually works. We also write earthquake insurance through multiple carriers, so we can match your coverage to your home's age, construction type, and location — whether you're near the Albany Hills, along the Solano Avenue corridor, or closer to the flatlands near the Albany Bulb.
- Homeowners insurance with accurate rebuild cost review
- Earthquake insurance from multiple carriers
- Flood insurance for properties in lower-lying areas
- Landlord insurance for rental properties in Berkeley, Oakland, and beyond
- Umbrella policies for homeowners and landlords who want an added layer of protection
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If you've been with the same carrier for several years, your policy may not reflect what your home is worth today — or the coverage options that have become available since you last shopped. We hear this often from Albany and Berkeley-area homeowners who assumed their renewal was good enough.
Because we're an independent agency, we can review your existing coverage and compare it against multiple carriers without any obligation to switch. It's a straightforward comparison, not a sales pitch. Many clients find gaps they didn't know existed. Others confirm their current policy is competitive and leave with peace of mind. Either way, you're better informed.
We serve families across the Albany-Berkeley corridor and welcome clients who simply want a clear-eyed look at where they stand.
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Freeman Insurance handles both personal and commercial lines, which matters for Albany's concentration of small business owners, landlords, and professionals who need more than a standard auto and home bundle.
- Auto insurance, including standard and high-value vehicles
- Renters insurance for Albany and Berkeley-area tenants
- Condo insurance
- Life insurance
- RV and pet insurance
- General liability and Business Owners Policies
- Workers' compensation and commercial auto
- Professional liability and cyber liability for consultants and licensed professionals
- Surety bonds
- Covered California for Small Business
Contact Information
Freeman Insurance Services, Inc.
Albany, California
Phone:
(510) 528-2700
Email: bruce@freemaninscompany.com
Business Hours:
Monday – Friday: (to be inserted)
Saturday – Sunday: (to be inserted)
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Visit Our Albany Office
Freeman Insurance Services, Inc. serves clients throughout the East Bay with a local office in Albany. Whether you prefer to call, email, or meet in person, we’re here to help you move forward with clear, practical guidance.
What types of insurance do you offer in Albany, CA?
We offer a full range of personal and commercial coverage, including homeowners, auto, renters, condo, earthquake, flood, umbrella, landlord, life, and RV insurance. On the commercial side, we handle general liability, Business Owners Policies, workers' compensation, commercial auto, professional liability, cyber liability, surety bonds, and Covered California for Small Business.Why should I use an independent insurance agent instead of going directly to a carrier?
An independent agent compares coverage across multiple carriers rather than selling only one company's products. That means you get options — and someone whose job is to find the right fit for your situation, not to meet a single carrier's sales quota. For East Bay homeowners with earthquake and wildfire exposure, having access to multiple carriers can make a meaningful difference in both coverage quality and price.Do you offer earthquake insurance for Albany homes?
Yes. Earthquake insurance is one of the more common coverage needs we address for Albany homeowners, given the area's seismic exposure and the age of much of the local housing stock. We work with multiple carriers that offer earthquake policies and review replacement cost coverage as part of every homeowner consultation to make sure the underlying homeowners policy is sound before adding earthquake coverage on top of it.Can you review my current policy without requiring me to switch carriers?
Yes — a coverage review carries no obligation to change anything. We compare your current policy against available options and walk you through what we find. Some clients discover gaps worth addressing. Others confirm they're well-covered and move on. Either outcome is a good one, and the conversation is free.