Recommended elite-level agency with higher expertise to match insurance coverage. Recommended Local Agency
WHINS Insurance Agency LLC
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WHINS Insurance Agency LLC

Independent Insurance Agent in San Diego, CA

About us

'cause everyone wins at WHINS!

Are you frustrated? Need help finding a policy but don't know where to start? We can help! WHINS is an *independent* agency, which means that we have access to many different insurance companies and can shop around to find you the best coverage at the most competitive premium. Here at WHINS we can check rates from all the top insurers including: Safeco (Liberty Mutual), Pacific Specialty (Allstate), Travelers, Mercury, Allied (Nationwide), MetLife and many, many more. In addition to rate and coverage, WHINS offers the BEST service in the industry. When you call your agent at WHINS, you'll be treated like part of the family by an agent who actually knows and cares about you. If you're sick of being treated like just another number and calling an 800 # when you need something, it's time to call WHINS. You can trust us to do the job for you!


Personal and Commercial Lines insurance experts

Ask me about these types of insurance...

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request a umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Hotel insurance is a very specific type of business insurance that's been tailored to meet the unique coverage needs of your business. Talk to an independent agent.

Request a hotel insurance quote

Why choose WHINS Insurance Agency LLC

States we serve

  • Arizona
  • California
  • Iowa
  • Nevada
  • Oregon
  • Texas
  • Utah

Our insurance coverages

Personal insurance coverage

  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Health
  • Home
  • Landlord
  • Motorcycle
  • Other
  • Personal Watercraft
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuties coverage

  • Annuities
  • Disability Income
  • Life
  • Long Term Care

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

AIG Insurance Company, Admiral Insurance, AmTrust Financial, CNA, CSE Insurance Group, Chartis Property Casualty Company, Chubb, Firemans Fund Ins, Infinity Insurance Company, Intact Insurance, Maryland Automobile Insurance Fund, MetLife Auto & Home, National General Insurance (GMAC), Oxford Life Insurance Company, Philadelphia Insurance Companies, QBE Insurance Corporation, Republic F&C Insurance Company, Scottsdale Insurance Company, Southern Mutual Insurance Company, Star Casualty Insurance Company, The Hartford, Transamerica, United States Liab, Vindati, W. R. Berkley Insurance Group, Wright Flood, Zenith Insurance Company, Zurich North America

WHINS Insurance Agency LLC Team

Karen Fatta
Karen Fatta

WHINS Insurance Agency LLC Reviews

Average based on 8 reviews Leave a review

Customer Reviews

December 22, 2020

If you own, run, or are affiliated in any way with a business that needs insurance, you should be using this company. From the first point of contact, to now months and many insurance policies later, WHINS (Joel Wagner in particular) has been no less than amazing. They communicate frequently, educate, and work tirelessly to bring the best value and pricing for what your business needs, both specifically and generally. I cannot say enough about the service we've gotten, and the incredible peace of mind that we now have because we have been cared for by this agency. We have now moved ALL our insurance to WHINS and they have been consummate professionals who are trustworthy, knowledgeable, and flexible. I'd give 10 stars if I could.

December 21, 2020

Joel went out of his way helping me set up with commercial auto insurance where I was buying a new company truck and finance company was in Canada and kept changing there mind on wording for the COI and Joel would reword it and get it back to them very quickly (happened about 3 or 4 times I think ) He has also been my regular auto insurance agent for at least 10 years and has always been on top of anything that came up. Great company to do business with would recommend to anyone. Thanks Joel!!!

December 19, 2020

As I was getting small business insurance for my start-up, I got introduced to WHINS and Joel Wagner through another one of their happy customers. I was provided several options, not sold more than I need, and treated with respect and responsiveness every step of the way. Execution was flawless. I would highly recommend this team to anyone looking for business insurance of any kind.

December 18, 2020

I've had Joel provide me with all forms of insurance for many years. He has always provided great service, responded to my inquiries quickly and found the lowest cost & best policies to satisfy my needs. I've referred Joel to a number of friends and they too have had the same experience.

December 18, 2020

Joel was recommended by my contractor. Joel was very responsive, professional and found the best rates. I highly recommend him to my friends and partners.

December 16, 2020

Karen Fatta and WHINS were recommended by a colleague as professional, knowledgeable, and reasonable. All three are correct. Karen listened to my needs and tailored a policy that fit. She quickly and fully answered any questions. I am happy to now be the person recommending Karen Fatta and WHINS.

November 5, 2019

WHINS helped make the stressful transition away from our old business liability insurance broker less painful. I really felt like I was the most important client in their portfolio.

November 5, 2019

Darren and his team have put order and reason into the insurance jumble involved in running a small business ( liability, accident, disability, workmen's comp, building, contents, etc. - who can keep track? - WHINS Insurance can! ) and on top of that, they have saved me some money! Keep up the good work!

RECOMMENDED INSURANCE COMPANY PARTNERS

WHINS Insurance Agency LLC

'cause everyone wins at WHINS!

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