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Meet your broker

Michael Kassing

Founder and principal broker, InsuranceMonster. A California-licensed insurance broker placing auto and home coverage for Californians the standard market turns away.

Active CA license #4445775 Verify on the CDI lookup

Michael A. Kassing, California-licensed insurance broker and founder of InsuranceMonster
Michael Kassing, California-licensed insurance broker

License and credentials

Michael Kassing (listed with the state as KASSING MICHAEL A) holds an individual insurance license issued by the California Department of Insurance. Both qualifications below are active. Verified against the California Department of Insurance record on July 13, 2026. You can confirm the current status yourself at the state's official Check a License tool.

California Department of Insurance license #4445775 - qualifications on record
License typeStatusOriginal issueExpires
Property Broker-Agent Active April 18, 2025 April 30, 2027
Casualty Broker-Agent Active April 18, 2025 April 30, 2027

Lines of insurance handled

  • Non-standard and high-risk auto insurance, including SR-22 filings
  • Homeowners, condo, renters, landlord, dwelling fire, and mobile home insurance
  • Wildfire and hard-to-insure homes through surplus lines and FAIR Plan alternatives
  • Auto and home bundles

Experience and background

Michael has spent more than two decades in the insurance industry, including deep experience in the non-standard market - the corner of insurance built for drivers and homeowners whose situation does not fit a standard carrier's box. He founded InsuranceMonster to give California clients a broker who works for them, not for a single carrier.

Specialties

  • Placing risks standard carriers decline - tickets, accidents, DUI, coverage lapses, foreign licenses, and SR-22 filings
  • Wildfire-exposed and non-renewed California homes, including FAIR Plan paired with difference-in-conditions coverage
  • Surplus lines placement for homes the admitted market will not write
  • Independent, multi-carrier shopping on the client's behalf

How carrier and surplus-lines access works

InsuranceMonster is an independent brokerage, not a captive agency tied to one company. That means Michael shops your risk across many admitted California carriers and, when the admitted market will not write a home or auto risk, can place coverage through the surplus lines market.

Surplus lines insurers are not licensed by the State of California and are not backed by the California Insurance Guarantee Association, but they let a broker cover risks - such as wildfire-exposed or repeatedly non-renewed homes - that admitted carriers decline. For those homes, Michael can also pair a California FAIR Plan policy with difference-in-conditions coverage to fill common gaps. Every placement is subject to carrier underwriting and the terms of the issued policy.

California communities served

Michael is licensed across the State of California and works with clients statewide from the brokerage's Sacramento base, including:

  • Greater Sacramento and the Sacramento Valley
  • San Francisco Bay Area
  • Central Valley and Central Coast
  • Southern California and the Inland Empire
  • Sierra Nevada, Gold Country, and the far north

Articles written and reviewed

Michael writes and reviews the guides on this site for accuracy. Guides:

Coverage pages reviewed:

Verify these credentials

Corrections and contact

Accuracy matters, especially on pages that affect financial decisions. If you spot an error on this site, email hello@insurancemonster.com with "Correction" in the subject and we will review it. To reach Michael about coverage, call (916) 469-5253 or use the contact page.

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