Business Details
44 Years
experience
Your Trusted Insurance Partner in Fullerton, CA
Allco Insurance has been a trusted independent insurance agency since 1982, founded by Ron Hilbert and James Rew. With 12 full-time licensed California agents, we serve over 12,000 individuals and families alongside 1,100 businesses across California. Our team combines decades of industry experience with personalized service, representing top carriers to deliver tailored coverage solutions. We prioritize client relationships, offering comprehensive support for policy management, claims assistance, and coverage expansion. Our commitment to transparency and local market expertise ensures clients receive optimal protection at competitive rates. 
Services
Auto Insurance
Home Insurance
Business Insurance
Life & Health Insurance
Renters Insurance
Details
- Year established: 1982
Highlights and features
- We represent 15+ top-rated insurance carriers for comprehensive options
- 40+ years serving California insurance needs with local expertise
- 12 licensed agents providing personalized policy guidance
- Dedicated claims assistance and policy management support
- Customized coverage solutions for individuals and businesses
Services
Auto Insurance
We provide comprehensive auto insurance solutions with liability protection, collision coverage, and uninsured motorist options. Our agents compare rates from multiple carriers to find policies that match your driving profile and budget while ensuring compliance with California's minimum coverage requirements.
Home Insurance
Our homeowners insurance policies protect against property damage, personal liability, and additional living expenses. We offer coverage for standard residences, manufactured homes, and specialty properties like earthquake-prone areas. Policyholders benefit from risk assessment guidance and deductible optimization strategies.
Business Insurance
We deliver tailored business insurance packages including general liability, commercial property, and workers' compensation. Our risk management approach addresses industry-specific exposures for contractors, nonprofits, restaurants, and tech companies. Cyber liability and inland marine options protect against modern business threats.
Life & Health Insurance
Our advisors help clients select term life, whole life, and health insurance policies that align with family needs and retirement plans. We offer Medicare supplements and health savings account-compatible plans while maintaining relationships with major carriers to ensure competitive premium rates.
Renters Insurance
We provide affordable renters insurance protecting personal property against common perils like fire and theft. Policies include liability coverage for accidental damage to rental units and additional living expenses during displacement. Our agents explain policy exclusions and help optimize coverage limits based on individual needs.
People
Ron Hilbert
Founder
Co-founded Allco Insurance in 1982 with over 40 years of industry experience. Focuses on maintaining agency independence while expanding carrier partnerships to benefit client coverage options.
James Rew
Co-Founder
Established agency operations in 1982 and developed initial carrier relationships. Continues guiding business strategy while mentoring newer agents on insurance product nuances and client service standards.
Andrew Kadera
Senior Agent
Joined Allco in 2000, specializing in commercial insurance for small businesses. Holds California insurance license #0C23456, focusing on contractor and restaurant risk management solutions.
Kirk Irvine
Senior Agent
Brings 20+ years of personal lines expertise since joining in 2003. Certified in homeowners policy design, helping clients optimize earthquake and flood coverage options in high-risk California areas.
Laura Kadera
Licensed Agent
Provides personalized insurance solutions since 2010 with specialization in life insurance and retirement planning. Maintains ongoing continuing education to advise clients on Medicare supplement options.
Questions
What insurance carriers does Allco represent?
We partner with 15+ top-rated carriers including Liberty Mutual, Mercury, Nationwide, Progressive, and Safeco to provide diverse coverage options.
How do I file an insurance claim?
Contact our office directly at 714-992-2390 or use your carrier's dedicated claims line found in policy documents for immediate assistance.
Do you offer business insurance for startups?
Yes, our commercial insurance team specializes in creating tailored packages for new businesses across California's major industries.
Can I manage policies online?
Most carriers offer online portals for policy management, payments, and document access. Our staff assists with digital tool navigation during onboarding.
What areas do you serve?
We provide insurance services throughout California from our Fullerton and Irvine offices, with licensed coverage across all 58 counties.
How are premium rates determined?
Rates depend on coverage type, policy limits, deductible amounts, and individual risk factors. Our agents compare multiple quotes to find your best value.
Videos
Reviews (7)
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
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!
S. F.
Mar 23, 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!
Kristin Brody
Dec 21, 2020
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Positive:Professionalism,Quality,Responsiveness
We had such a great experience with Andrew! He helped us to get our insurance rates down and to feel like we were fully taken care of along the way. It was such a blessing to have this process be smooth and painless! I appreciate his expertise and customer service.
We had such a great experience with Andrew! He helped us to get our insurance rates down and to feel like we were fully taken care of along the way. It was such a blessing to have this process be smooth and painless! I appreciate his expertise and customer service.
Ryan Z.
Dec 14, 2020
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I worked with multiple insurance agencies (not by choice). Lack of communication at other agencies was how I found Andrew at Allco. He was able to provide precise quotes right away and also created an unbiased table to help me understand options that I'd sourced on my own vs the ones he provided... something I've never seen done. Andrew's quotes were the most competitive I'd seen and he was always available via phone, email, or text. Can't ask for much more.
Jan Mastrangelo
Nov 25, 2020
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Marisol was patient and kind. She went out of her way to advise us in the best possible manner and was always professional. Her patiience and professionalism helped us make a good decision . I initially worked with her and after my husband spoke to her he said she really was knowledgeable and helpful. She even pointed out gaps in our other insurance policy that we were not aware of. I would recommend her to anyone highly.
