Business Details
50+ Years
experience
Your Trusted Insurance Partner in Livermore, CA
Gene Morgan Insurance Agency has been a trusted provider of comprehensive insurance solutions since 1953. Our family-owned business specializes in tailoring personalized insurance programs to meet the unique needs of individuals and businesses across Northern California. With decades of combined experience, our team of licensed agents works diligently to secure competitive rates while ensuring clients receive superior coverage and exceptional customer service.We maintain strong relationships with reputable insurance carriers known for reliable policies and efficient claims processing. Our commitment to understanding client requirements and providing transparent, value-driven solutions has solidified our reputation as a leader in the insurance industry. Today, we continue to serve Livermore and the East Bay Area with the same integrity and dedication established by our founder.
Services
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
Health Insurance
Renters Insurance
Condo Insurance
Classic Car Insurance
Details
- Year established: 1953
Highlights and features
- Family-owned agency with 65+ years of local insurance expertise
- Competitive rates through partnerships with multiple top-rated carriers
- Personalized service from experienced, licensed insurance professionals
- Tailored coverage solutions for unique personal and business needs
- Proven track record of successful claims resolution and client retention
What people say
Excellent customer service
Prompt replies
Knowledgeable staff
Great communication
Saved money
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual driving needs and vehicle types. Our policies protect against liability, collision, and uninsured motorists while offering competitive rates. Specialized coverage options include classic car insurance, teen driver policies, and ride-share protection. With access to multiple carriers, we help clients find optimal coverage that balances protection and affordability for personal and commercial vehicles.
Home Insurance
Our home insurance policies safeguard residential properties against common risks including fire, theft, and natural disasters. We offer standard homeowners coverage, condo insurance, and renters policies with customizable options for high-value items and unique property needs. The agency specializes in hard-to-place coverage for vacation homes and properties in brush areas. Multi-policy discounts are available when bundling with auto insurance.
Life Insurance
We offer term life insurance policies designed to protect families during critical financial periods. Our solutions help clients secure mortgage payments, education funds, and income replacement through affordable, customizable coverage. The agency provides guidance on appropriate coverage amounts and works with multiple carriers to find policies that match clients' long-term financial planning needs and budgetary constraints.
Business Insurance
Our business insurance solutions protect companies of all sizes with customizable packages that combine property, liability, and specialized coverage. We serve diverse industries including technology firms and restaurants, offering both traditional business owners policies and standalone liability coverage. The agency assists new businesses with startup insurance needs and helps established companies optimize their risk management strategies through competitive carrier comparisons.
Health Insurance
We provide health insurance solutions for individuals, families, and businesses through multiple carrier partnerships. Our services include guidance on special enrollment periods triggered by life events and assistance with policy comparisons based on coverage needs and budget. While no longer offering Covered California enrollments, we continue to help clients navigate alternative health insurance options and understand complex policy details.
People
Mike Morgan
Owner/Broker
Third-generation insurance professional with 40+ years of experience, specializing in commercial insurance and risk management. Navy veteran and former Deputy District Attorney who joined the agency in 1979. Maintains active leadership role since 2010.
Michelle Morgan
Insurance Agent
Licensed agent with 15+ years of experience, specializing in personal insurance lines. Graduated from UCLA in 2007 and continues family legacy through active client consultation and policy management. Focuses on building long-term client relationships through personalized service.
Ofelia Lozano
Spanish Services
Bilingual insurance professional with 20 years of experience serving Spanish-speaking clients. Provides personalized policy guidance and claims assistance while maintaining deep community connections through language-specific outreach and support.
Christine Wuttke
Health Insurance Specialist
Dedicated health insurance expert with comprehensive knowledge of individual and family policy options. Assists clients with special enrollment qualifications and alternative coverage solutions following changes in health insurance program offerings.
Karla Hague
Insurance Agent
Experienced agent with 15-year tenure, recognized for exceptional client service and competitive policy sourcing. Specializes in personal insurance lines while maintaining strong client retention through proactive policy reviews and market comparisons.
Questions
What types of insurance do you offer?
We provide auto, home, life, health, business, renters, condo, and classic car insurance. Our independent agency partners with multiple carriers to offer comprehensive personal and commercial coverage options.
How do you find competitive insurance rates?
As an independent agency, we compare policies across multiple top-rated carriers to find optimal coverage at competitive prices. Our agents leverage industry relationships and market knowledge to secure value-driven solutions.
Do you serve areas outside Livermore?
We serve the entire East Bay Area including Pleasanton, Dublin, San Ramon, and Danville. Our services also extend throughout Northern California and the greater Sacramento region.
Are after-hours appointments available?
Yes, we offer flexible scheduling with after-hours appointments available upon request while maintaining regular business hours Monday-Friday 9:00-5:00.
How can I get an insurance quote?
Request free quotes through our website, email specific agent contacts, or call (925) 447-2565. Our agents provide personalized comparisons without obligation for all insurance lines.
Who handles insurance claims?
Our team works directly with clients during claims processes, connecting them with carrier representatives while providing ongoing support to ensure timely, fair resolutions.
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