About Us

Professional Businesswoman Standing in Front of her Company with her Arms CrossedTera Insurance Services is a general insurance agency satisfying a full range of personal insurance needs, including commercial insurance, life, health, and other financial services.

Tera Insurance was established in Spring of 2009 by 3 business entrepreneurs, who have strong background and experience in building real estate, mortgage and insurance for the past 10 years in the California Bay Area.

We represent over a dozen insurance companies located throughout the Unites States. Our business is fully computerized and includes a state of the art computer system and Internet communications.

We are an independent insurance agency… that means: we work for you! We represent a carefully selected group of financially sound, reputable insurance companies and take pride in our ability to build an insurance program that will meet your unique needs.

To better serve our customers, we have constantly changed how we do business. But we’ve never changed why…providing families and businesses in California with historically sound insurance and security. We look forward to providing the same to you.

An Independent Advantage

We are Independent Agents in San Jose, California, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Tera Insurance Services represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.

October 22nd, 2015 by Tera Insurance Services