Branch Owner

Kimberly Hartzog

Branch Owner/Agent

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Auto

We're driven to keep you covered on the road. Our auto insurance policies are designed to cover your individual needs when it comes to you and your vehicle, as well as protect you from a variety of other unforeseen risks. No matter where you're headed, we want you to have the peace-of-mind for the journey ahead.

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Boat

When the water gets a little choppy, you want to know someone will be there to smooth things over. That's why we offer boater coverage that is specific to your boat or watercraft, covering you for bodily injury, property damage, medical payments and collisions. Because, at the end of the day, we're all in the same boat – together.

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Business Owners Policy

For small to medium-sized businesses, finding the right coverage is a very big deal. That’s why we’re here to help. Business Owners Policy (BOP) typically provides basic coverage for your building, liabilities, inventory, equipment and any processes interruption, with the option for business-specific add-ons. You can’t control the future, but you can control how you plan for it.

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Commercial Bonds

Sadly, the days where your word was your bond are long gone. Nowadays, Commercial Bonds act as a contract between the hiring party and the contractor, ensuring the services promised are properly performed or they, the hiring party, will be refunded. Your word can still be your bond, but it’s always good to protect yourself and get those words in writing.

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Event

You do your best to make sure the events in your life are uneventful. But even the best laid plans often go awry. That’s why we offer special event insurance. Which simply means that if your social gathering, community festival, business party, convention or wedding doesn’t go off without a hitch, you can rest easy knowing that TWFG will be there to help make certain that mishaps or misfortune don’t steal the spotlight.

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Flood

The weather forecast may not always predict it, but tides do turn. And property that was once high and dry can suddenly find itself in deep trouble. That’s why we offer flood insurance which allows you to protect everything from your basement to your baseboards. Some locations prone to flooding are required by federal law to have flood insurance, which is not covered by homeowner’s policies. So, don’t be unprepared when drywall becomes wet.

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Home/Renters

Even your house needs a roof over its head. From structural protection to coverage for your valuables, we can find the right way to keep your home or apartment safe – both inside and out. Because the place you call home will always be your most important asset.

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Life

Securing your family's financial future starts with insuring yours. It can feel like a daunting task, but we're here to make it a little less taxing. And while there are several insurance policies for accelerated death, critical illness, or even long-term care, it's important your coverage best suits you. After all, it's your life – but we'll be here to protect it.

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Luxury Items

Home is the place where you collect your valuables, along with memories. And TWFG wants the possessions you consider priceless to be completely protected. Which is why our Personal Asset Protection Advisor will work hard to help you find the coverage for your luxury items that best suits your needs, making sure that the extraordinary life you’re building never leaves the door open for disappointment.

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Motorcycle

Ask any biker: motorcycles are as fun to ride as they are dangerous. That's why we offer comprehensive coverage for risks like injury, uninsured motorists and medical payments, no matter what you ride. Because in the event of an accident, you want to know someone will be there to get you back on that iron horse quickly and safely.

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RV

When it comes to RVs, life can take a lot of unexpected turns. That's why we provide protection for all motor homes and trailers, covering you for injuries, property damage, comprehensive and collision, as well as protecting you from uninsured drivers. Whether it's your home, or your home away from home, we want to make sure you're safe.

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Umbrella

Like they say: It's good to be prepared for a rainy day. Personal Umbrella insurance offers additional coverage beyond homeowners', health and vehicle, protecting you from major claims and lawsuits, like libel, slander and defamation of character. So, if and when it rains, know that we'll be pouring every ounce of ourselves into protecting you.

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Locations

2197 S Main Street Ste A
Lakeport, CA 95453
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California is a beautiful place to call home! From the golden mountains, beautiful oceanside, and awe-inspiring redwoods, there are a unique set of challenges and opportunities that we face. My family has been in the insurance industry since the 80s. Growing up I watched my father run successful agencies, helping thousands of people through some of the toughest moments they faced. As an adult, I worked in the title insurance and escrow business and realized that I belong where I could be helping people most. I worked in my family’s insurance office and later opened my own branch, expanding my reach and relationships all over the state. Now I am partnered with TWFG Insurance in order to offer you as many opportunities for coverage as possible. Dual licensed in both California and Texas, we offer services in personal and commercial lines of insurance. From your Homes, Autos (classic cars and off-road), Boats, and RVs to your Business, Liability, and Life Insurance, we have something for everyone. No one wants to use insurance, but it’s there for all of life’s unexpected moments. As your Insurance Advisors, let us help take some of the stress away by looking at your insurance portfolio as a whole, so that you may focus on what matters most.

                                                                                                                                                          -Kimberly Hartzog

Branch Owner/Agent

At the end of the day, TWFG is a company that cares. We care about our customers, their customers, their families, and the communities in which they have chosen to build their lives. And we wouldn't be the company we are today without the caring people who make it possible. Those who come in every day with the hope – the goal – of making a real difference in the lives of the people we protect. We treat you like one of our own. Because you are.

Our Team

Kimberly 's Profile Photo

Kimberly Brozynski

Agent

Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Event, Luxury Items, Business Owners Policy, Commercial Bonds

Office: 707-900-1839
Email: kbrozynski@twfg.com
Languages:
Location: 2197 S Main Street Ste A
Lakeport, CA 95453
Krystal 's Profile Photo

Krystal Pasalo

Agent

Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Event, Luxury Items, Business Owners Policy, Commercial Bonds

Office: 707-900-1839
Email: kpasalo@twfg.com
Languages:
Location: 2197 S Main Street Ste A
Lakeport, CA 95453