Business Details
20 Years
experience
Your Trusted Local Insurance Partner in Capitola, CA
JL Martin Insurance Agency operates with a dual focus on comprehensive coverage and personalized service. Founded in 2006 by Jeannie Martin, our agency combines decades of industry experience with a commitment to client relationships built on trust and transparency. We represent multiple nationwide carriers to provide competitive rates across HOA, commercial, personal, and life insurance while maintaining the agility to offer tailored solutions. Our team prioritizes prompt communication, with direct access to agents who understand clients by name.Recognized for expertise in niche markets like equine and HOA insurance, we serve California, Nevada, and Arizona with a dedication to protecting clients' assets as if they were our own. With over 30 years of leadership experience and a network of 28 professionals, we emphasize continuous learning and community involvement, including active participation in the CAI Bay Area Chapter. Client testimonials highlight our ability to deliver cost savings, rapid claim resolution, and specialized coverage options that address unique risks.
Services
HOA Insurance
Equine Insurance
Commercial Insurance
Personal Insurance
Life Insurance
Details
- Year established: 2006
Highlights and features
- We offer 30+ years of insurance industry experience with specialized HOA expertise
- Our 28 network professionals provide personalized service with direct agent access
- We guarantee competitive rates through partnerships with multiple nationwide carriers
- Our agency maintains a 98% client retention rate through prompt claim resolution
- We provide specialized equine insurance programs developed by horse-owning experts
What people say
Best service
Saved thousands
Promptly returns calls
Happy customers
Local agent benefits
Services
HOA Insurance
Our HOA insurance specializes in comprehensive coverage for homeowners associations across northern California. We provide tailored solutions including property coverage, liability protection, and D&O insurance with specialized expertise in community risk management. Our agency's deep understanding of HOA operations ensures policies address unique challenges like shared infrastructure maintenance and board liability exposure.
Equine Insurance
Equine insurance programs protect horse owners' investments through mortality and medical coverage. Developed by experienced equestrians, our policies address veterinary emergencies, accidental injuries, and value protection with personalized service from fellow horse owners. We offer specialized guidance for show horses and breeding operations across three western states.
Commercial Insurance
Commercial insurance packages protect businesses with general liability, workers compensation, and cyber liability coverage. Our expertise includes employee dishonesty protection, executive risk management, and customized policies for property managers. We help businesses mitigate risks through safety consultations and competitive carrier comparisons.
Personal Insurance
Personal insurance solutions include home, auto, and umbrella policies with optional earthquake and flood coverage. We offer specialized protection for unique needs like high-value properties and classic vehicles. Our clients benefit from coordinated coverage options that protect both assets and personal liability exposures.
Life Insurance
Life insurance products provide financial security for families through customizable term and permanent policies. We help clients understand policy options and select appropriate coverage amounts to protect dependents' future needs. Our approach focuses on long-term financial planning and estate protection strategies.
People
Jeannie Martin
Owner
Jeannie Martin founded the agency in 2006 after gaining extensive experience in insurance operations and claims handling. With a family background in insurance brokerage and 17 years managing commercial accounts, she brings specialized expertise in HOA and equine insurance. Active in the equestrian community, she maintains professional affiliations with industry organizations.
Questions
What types of insurance do you specialize in?
We specialize in HOA insurance, equine insurance, commercial property & casualty, personal insurance, and life insurance policies.
How are you different from large insurance companies?
We combine the resources of multiple carrier partnerships with personalized service from agents who know clients by name.
How quickly can I get insurance coverage?
Most policies can be issued within 1-3 business days after application submission and underwriting approval.
Do you serve clients outside California?
Yes, we provide insurance services to clients in Nevada and Arizona as well as California.
How do I file an insurance claim?
Contact our office directly at 831.462.0851 or email your agent to initiate the claims process.
