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Homeowners, Auto, and Commercial Insurance in Tracy and Danville, CA


We’re a locally owned and operated insurance agency that makes it easy for clients get, maintain, and use insurance.  We deliver individually tailored, cost-effective policies and plans, and also we have agents who are friendly, proactive, and trustworthy.  We’ve served our Tracy and Danville communities and around Northern California for more than 60 years, and we not only keep clients protected for minimal costs but we also have passion for what we do.

We live by over 100 workflow procedures in order to ensure the highest quality and accuracy, and we also always tell the truth.  As a result, we provide the best possible insurance and also the finest services.  We look forward to serving you.

INSURANCE offerings that suit you PERFECTLY

We work with many different A-rated carriers, and this is one reason why we offer a wide variety of insurance options, which are personal and also commercial.

Our business program keeps virtually any commercial enterprise in Northern California protected, and this program has many insurance options, including business owners policies (BOPs), professional liability, and workers compensation.  We specialize in medium and large accounts for workers compensation for many businesses, including agribusinesses and manufacturing services

We have specially designed programs for businesses in more than a dozen different industries, including real estate.  We specialize in policies and plans that protect real estate investors and commercial real estate property owners.  In fact, we have the five most competitive and comprehensive real estate policy options available.  Some of the properties that we insure include shopping centers, office buildings, retail buildings, and light industrial buildings

Also, we have unique solutions for mid-to-high-net worth individuals and groups. Homeowners, auto, umbrella, and recreational vehicle insurance policies and plans are some of the options that we use to create these solutions.  Whether one wants to create a source of savings or protect valuable collections that are displayed in homes, we can help him or her.

RESPONSIVE, thorough agents KEEPING you secure

We work closely with clients, and this means that we thoroughly assess the clients’ needs through one-on-one consultations, and also that we explain coverages in ways that help clients understand their purchases.  After we assess clients’ needs, we shop on clients’ behalves for the right coverages.  At the points that the right coverages are identified, we create the best possible solutions.

We review policies and plans before renewals, and we also notify clients when we perform reviews.  This way, coverages are always current and clients’ rates are always competitive, and also clients can participate in review processes.

Contact us or call us today.  To start on a policy, request a quote.


To learn more about our insurance offerings, visit our products page



Our Locations

Tracy Location

1137 B Adam St.
Tracy, CA 95376

Phone Number:

Main office: 209-835-6656
Toll free: 800-830-6656
Fax: 209-835-0955

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Danville Location

4115 Blackhawk Plaza Circle
Suite 100
Danville, CA 94506

Phone Number:

Main office: 925-350-8925
Fax: 866-790-0955

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed


Thank you for the excellent service you have provided over the years, having both homes, three cars, umbrella and other insurance with you as well. It's all been fantastically handled. We made the move over because we saved a lot of money, but beyond saving money the service has been excellent and you and your entire team deserved to be thanked and credited for that. Thanks again, and it's been a wonderful experience and I'm looking forward to a long and prospect relationship.

Craig Walker
Sean and his team provided great service. I called Sean as a friend and asked him to look at my current policies to see if he could save me some money or possibly better protection and he came back with 1 ½ hr later which is amazing in today's day and time. He gave me much better protection and saved me at least 45-50% off my current home and auto policies. He organized and put it all together plus an umbrella policy. I just want to thank Sean and his team once again for helping out just great service. In today's day and age service means a lot especially when we can save some money. Thank you again.

David Liebowitz
Sean I just wanted to take a moment and tell you how happy Kim and I are with you and your team. Having been with State Farm for over 20 years, I just assumed they were taking care of us. Well needless to say – they were just taking our money. Your package saved us hundreds of dollars per year, and I could not be happier with the service. Thanks So Much.

Paul Bradley
My claim experience with your office and Travelers was great. Matt, the adjuster, was delightful. He made me feel relaxed and comfortable. I enjoyed working with him as he was extremely cooperative.

Paulette Ranuio
Your service is absolutely marvelous and just wonderful. When we had a billing problem, your team was on top of it. I was never nervous about it because I knew that it was being taken care of. I really want to thank you and your staff for being there. Your customer service is perfect.

Helena Lowe
I remember when my insurance premium was sky high. At M3, I saved $348 on my auto insurance and I upgraded my home insurance without paying more. It's incredible, I love it!

Joe Rowen
The service is first rate!

Bridget Riddle
I can't say enough good things about M3 Insurance. I couldn't ask for more when I compare my former agent with M3's there is no comparison. As far as claims goes, everything went right. I am a busy business owner and I know I can trust M3 to get the job done on time with a competitive price.

Bob Mills
Sean has always been there for us as our homes, investment properties, and business changes. He and his team do such a great job at keeping up with our busy lives and making sure we have the right protection at the right price.

Stephanie Prioste
There aren't many people in the insurance business that have the knowledge and understanding that Sean possesses. He has the ability to take an insurance policy, make it simple to understand, and take of details that others have left out. When it comes to insurance, Sean is the best.

Rob Riccio
Sean has been a valuable resource for over 10 years. When I remodeled my house, he helped to ensure that our improvements would be protected during and after construction Sean always makes a point to review my needs periodically which none of my other agents ever bothered to do.

Joe Grillo
If you, anyone you know, or any new clients are interested in speaking with a really awesome insurance agent, you should send them to mine. She rocks. I've been with her for 10 years now. Her name is Kelly Johnson at M3 Insurance.

Amir Littman, San Jose
"Jim and I were so impressed by your prompt customer service, complete and thorough assessment of our needs, and efficient processing of great policies. Both Kelly and Elizabeth were delightful to work with and we thank them in advance for being our 'go-to' people for future service. It is our pleasure to work with you and your outstanding team!"

Bette and Jim Felton