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About Us

At Kristensen Insurance Solutions we are an Independent Insurance Broker. We specialize in hard to insure homeowners insurance for the mountain communities of Lake Arrowhead, Crestline, Running Springs, Big Bear and all of California. We will always get you the most valuable coverage at the most competitive rates, as we have access to multiple insurance companies and work for you.

I live locally in Lake Arrowhead and have lived in the community for many years. Being a resident of Lake Arrowhead, I understand the importance of having your home insured correctly, giving you and your family the peace of mind you deserve.

We also offer auto insurance, business insurance, commercial insurance and commercial auto insurance with great value and coverage at the most competitive rates.

At Kristensen Insurance Solutions we believe insurance should not be complicated, this is why we make it simple and take the work out of it for you. We believe there is nothing more important than honesty, integrity, and value when it comes to insurance, and that is why we make sure our clients’ assets are protected for a lifetime. We take time to listen to all of our clients’ needs as each are unique and different. Then we offer the most comprehensive package to cover your needs, giving you the peace of mind you deserve.

An Independent Advantage

We are Independent Agents in Lake Arrowhead, California, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Kristensen Insurance Solutions represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.