> Source: https://insurancemonster.com/experts/michael-kassing/ > Michael Kassing, California-licensed insurance broker (CA DOI license #4445775), founder of InsuranceMonster. Credentials, specialties, communities served, and how to verify the license. > InsuranceMonster - independent California insurance broker (CA DOI Lic. #4445775). # 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](https://cdicloud.insurance.ca.gov/cal/IndividualNameSearch?handler=Search) 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](https://cdicloud.insurance.ca.gov/cal/IndividualNameSearch?handler=Search) tool. *California Department of Insurance license #4445775 - qualifications on record* | License type | Status | Original issue | Expires | | --- | --- | --- | --- | | 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: - [California Minimum Car Insurance Requirements](https://insurancemonster.com/california-minimum-car-insurance-requirements/) - [How Much Is Car Insurance in California?](https://insurancemonster.com/california-auto-insurance-cost/) - [How Much Is Homeowners Insurance in California?](https://insurancemonster.com/california-homeowners-insurance-cost/) - [Your California Home Was Non-Renewed? Here's What to Do](https://insurancemonster.com/home-insurance-after-nonrenewal-california/) - [California Wildfire Home Hardening and Defensible Space Checklist](https://insurancemonster.com/wildfire-home-hardening-insurance/) - [DUI and Car Insurance in California](https://insurancemonster.com/car-insurance-after-dui-california/) - [Car Insurance With a Foreign License in California](https://insurancemonster.com/car-insurance-with-foreign-license-california/) - [Driving Without Insurance in California](https://insurancemonster.com/car-insurance-after-coverage-lapse/) - [Earthquake Insurance in California](https://insurancemonster.com/guides/earthquake-insurance-california/) - [Admitted vs Surplus Lines Insurance in California](https://insurancemonster.com/admitted-vs-surplus-lines-home-insurance/) - [California FAIR Plan vs Homeowners Insurance: What's the Difference?](https://insurancemonster.com/guides/fair-plan-vs-homeowners-insurance/) - [Insurance Broker vs Agent vs Direct: Which Is Best?](https://insurancemonster.com/guides/insurance-broker-vs-agent/) - [Replacement Cost vs Actual Cash Value: Which Should You Choose?](https://insurancemonster.com/replacement-cost-vs-actual-cash-value/) - [Non-Owner Car Insurance in California](https://insurancemonster.com/non-owner-car-insurance-california/) - [How to Lower Home Insurance in California](https://insurancemonster.com/guides/how-to-lower-home-insurance-california/) - [Flood Insurance in California](https://insurancemonster.com/guides/flood-insurance-california/) - [The California Home Insurance Market in 2026: FAIR Plan and Non-Renewals](https://insurancemonster.com/guides/california-home-insurance-market-2026/) - [Car Insurance After a License Suspension in California](https://insurancemonster.com/car-insurance-after-license-suspension/) - [Hard-to-Insure Homes in California](https://insurancemonster.com/hard-to-insure-homes-california/) - [Surplus Lines Home Insurance in California](https://insurancemonster.com/surplus-lines-home-insurance-california/) - [How Much Is Renters Insurance in California?](https://insurancemonster.com/renters-insurance-cost-california/) - [What Does Renters Insurance Cover?](https://insurancemonster.com/what-does-renters-insurance-cover/) - [How Much Renters Insurance Do I Need?](https://insurancemonster.com/how-much-renters-insurance-do-i-need/) - [Is Renters Insurance Required in California?](https://insurancemonster.com/is-renters-insurance-required-in-california/) - [Renters Insurance for Students in California](https://insurancemonster.com/renters-insurance-for-students-california/) - [Renters Insurance for Roommates in California](https://insurancemonster.com/renters-insurance-for-roommates-california/) - [Renters vs Homeowners Insurance](https://insurancemonster.com/renters-vs-homeowners-insurance/) - [Does Renters Insurance Cover Water Damage?](https://insurancemonster.com/does-renters-insurance-cover-water-damage/) - [Renters Insurance and Earthquakes in California](https://insurancemonster.com/renters-insurance-and-earthquakes-california/) - [Bundling Renters and Auto Insurance in California](https://insurancemonster.com/renters-and-auto-bundle-california/) - [How to Get Renters Insurance in California](https://insurancemonster.com/how-to-get-renters-insurance-california/) - [Tenant Liability vs Renters Insurance: What Is the Difference?](https://insurancemonster.com/tenant-liability-vs-renters-insurance/) - [Do I Need Renters Insurance If My Apartment Has a Master Policy?](https://insurancemonster.com/apartment-master-policy-renters-insurance/) - [Car Insurance Coverage Limits Explained](https://insurancemonster.com/car-insurance-coverage-limits-explained/) - [How Much Does Pet Insurance Cost in California?](https://insurancemonster.com/how-much-does-pet-insurance-cost-california/) - [What Does Pet Insurance Cover?](https://insurancemonster.com/what-does-pet-insurance-cover/) - [Is Pet Insurance Worth It?](https://insurancemonster.com/is-pet-insurance-worth-it/) - [Dog Insurance in California](https://insurancemonster.com/dog-insurance-california/) - [Cat Insurance in California](https://insurancemonster.com/cat-insurance-california/) - [Pet Insurance and Pre-Existing Conditions](https://insurancemonster.com/pet-insurance-and-pre-existing-conditions/) - [Accident-Only vs Comprehensive Pet Insurance](https://insurancemonster.com/accident-only-vs-comprehensive-pet-insurance/) - [How Pet Insurance Reimbursement Works](https://insurancemonster.com/how-pet-insurance-reimbursement-works/) - [Proof of Renters Insurance for Your Landlord](https://insurancemonster.com/proof-of-renters-insurance-california/) - [How to Add Your Landlord as an Interested Party](https://insurancemonster.com/landlord-interested-party-renters-insurance/) - [Same-Day Renters Insurance for Move-In](https://insurancemonster.com/same-day-renters-insurance-california/) - [How Much Does the California FAIR Plan Cost?](https://insurancemonster.com/california-fair-plan-cost/) - [How to Apply for the California FAIR Plan](https://insurancemonster.com/apply-california-fair-plan/) - [FAIR Plan Plus DIC: Total Cost and Coverage Explained](https://insurancemonster.com/fair-plan-dic-cost-coverage/) - [Home Insurance With an Older Roof in California](https://insurancemonster.com/home-insurance-old-roof-california/) - [Insurance for Older California Homes](https://insurancemonster.com/older-home-insurance-california/) - [Vacant Home Insurance in California](https://insurancemonster.com/vacant-home-insurance-california/) - [Home Insurance During Renovation in California](https://insurancemonster.com/home-renovation-insurance-california/) - [Home Insurance After Multiple Claims in California](https://insurancemonster.com/home-insurance-after-claims-california/) - [Car Insurance After a Speeding Ticket in California](https://insurancemonster.com/car-insurance-after-speeding-ticket-california/) - [Car Insurance After an At-Fault Accident in California](https://insurancemonster.com/car-insurance-after-accident-california/) - [Car Insurance With No Prior Insurance in California](https://insurancemonster.com/car-insurance-no-prior-coverage-california/) - [Same-Day Car Insurance in California](https://insurancemonster.com/same-day-car-insurance-california/) - [Liability-Only Car Insurance in California](https://insurancemonster.com/liability-only-car-insurance-california/) - [Car Insurance With Multiple Tickets or Accidents in California](https://insurancemonster.com/car-insurance-multiple-tickets-accidents/) - [Insurance for a Rebuilt or Salvage-Title Car in California](https://insurancemonster.com/rebuilt-title-car-insurance-california/) - [Declined for Insurance in California? What to Do Next](https://insurancemonster.com/insurance-declined-california/) - [Denied Car Insurance in California? What to Do Next](https://insurancemonster.com/car-insurance-after-being-denied-california/) - [Ducati Monster Insurance in California](https://insurancemonster.com/ducati-monster-insurance/) - [Does a DIC Policy Cover Earthquake or Flood?](https://insurancemonster.com/dic-earthquake-flood-coverage/) - [FAIR Plan Plus DIC vs Surplus Lines](https://insurancemonster.com/dic-vs-surplus-lines-california/) - [How to Read a DIC Declarations Page](https://insurancemonster.com/dic-declarations-page-explained/) - [DIC Insurance for a California Condo on the FAIR Plan](https://insurancemonster.com/dic-condo-insurance-california/) - [DIC Policy Renewal in California](https://insurancemonster.com/dic-policy-renewal-california/) - [Renters and Tenant Liability Coverage](https://insurancemonster.com/renters-liability-coverage/) Coverage pages reviewed: - [California Auto Insurance](https://insurancemonster.com/california-auto-insurance/) - [California Homeowners Insurance](https://insurancemonster.com/california-homeowners-insurance/) - [California Wildfire Insurance](https://insurancemonster.com/california-wildfire-insurance/) - [SR-22 Insurance in California](https://insurancemonster.com/sr22-insurance-california/) - [California Non-Standard Auto Insurance for High-Risk Drivers](https://insurancemonster.com/non-standard-auto-insurance-california/) - [California Renters Insurance](https://insurancemonster.com/california-renters-insurance/) - [California Condo Insurance](https://insurancemonster.com/california-condo-insurance/) - [California Landlord Insurance](https://insurancemonster.com/california-landlord-insurance/) - [California Mobile and Manufactured Home Insurance](https://insurancemonster.com/california-mobile-home-insurance/) - [California Dwelling Fire Insurance](https://insurancemonster.com/california-dwelling-fire-insurance/) - [Bundle Auto and Home Insurance in California](https://insurancemonster.com/auto-home-bundle-california/) - [California FAIR Plan Explained](https://insurancemonster.com/california-fair-plan-insurance/) - [Difference-in-Conditions](https://insurancemonster.com/difference-in-conditions-insurance-california/) - [Renters Liability Insurance California](https://insurancemonster.com/renters-liability-insurance-california/) - [California Pet Insurance](https://insurancemonster.com/california-pet-insurance/) - [Hard-to-Place Insurance in California](https://insurancemonster.com/hard-to-place-insurance-california/) - [California Motorcycle Insurance](https://insurancemonster.com/california-motorcycle-insurance/) - [Independent California Insurance Broker](https://insurancemonster.com/independent-insurance-broker-california/) ## Verify these credentials - [LinkedIn](https://www.linkedin.com/in/kassing/) - [California Department of Insurance - Check a License](https://cdicloud.insurance.ca.gov/cal/IndividualNameSearch?handler=Search) ## Corrections and contact Accuracy matters, especially on pages that affect financial decisions. If you spot an error on this site, email [hello@insurancemonster.com](mailto:hello@insurancemonster.com?subject=Website%20correction) with "Correction" in the subject and we will review it. To reach Michael about coverage, use the [contact page](https://insurancemonster.com/contact.html). [Get your free quote](https://insurancemonster.com/marketplace.asp)