Phone:
(916) 957-1858
Physical address:
1235 Divi St. #1000
San Francisco, CA 93510

Data Driven Solutions for your Peace of Mind.




































Posted on Jake ShulerTrustindex verifies that the original source of the review is Google. Joe is great work with! Got us bundled up, good rates, easy to communicate with. Thanks, Joe!Posted on Erin GrizardTrustindex verifies that the original source of the review is Google. Joe is great to work with and responds quickly.Posted on Jennifer GonzalesTrustindex verifies that the original source of the review is Google. I can’t thank Joe enough for all his help! My mortgage company failed to send a payment and I lost my homeowners insurance. In California, getting a new policy can be very difficult, but Joe went above and beyond to make it happen. He not only secured a new homeowners policy for me, but also helped me get auto insurance at the same time. He was professional, responsive, and made the whole process smooth. He provided me with the declarations pages and ID cards right away so everything was ready to go. If you need someone who truly cares and gets results, I highly recommend working with Joe!Posted on Mehran TahooriTrustindex verifies that the original source of the review is Google. As a lawyer, I’m always thinking about risks and outcomes, and that’s why I trust Joe Hensler at The Insurance Lab. He doesn’t just give you an insurance quote, he lays out the best options and points out things you may not have even considered. Joe is straightforward, reliable, and makes sure you’re covered from every angle. I highly recommend him.Posted on Forrest thomas jrTrustindex verifies that the original source of the review is Google. Helped us out when all other insurance agents said we would have to move over to the ca fair plan. Thankyou for having our backs and getting me and my family into insurance that is affordable and reliable.Posted on Richie HartTrustindex verifies that the original source of the review is Google. Joe is excellent to work with, he gets the best rates and is always attentive to our needs and always gets the job done. Richard HartPosted on Nick MelendezTrustindex verifies that the original source of the review is Google. Joe set up my auto policy, my wife’s policy, and our homeowners insurance. He made everything simple, explained the differences in coverage, and got us better rates than we expected. Communication was fast and clear, and we feel fully covered. Highly recommend him for personal insurance.Posted on Jack Gage jrTrustindex verifies that the original source of the review is Google. The Insurance Lab in Fair Oaks handled my commercial auto and general liability policies and did an outstanding job. Joe was responsive, knowledgeable, and made the process quick and easy. He found me great coverage at a fair price, and I felt like he genuinely cared about getting it right. Highly recommend.Posted on Julie PersseTrustindex verifies that the original source of the review is Google. Extremely helpful and knowledgeable. Helped a family member get coverage placed quickly and efficiently and made sure we understood everything.Posted on Denise MontalvoTrustindex verifies that the original source of the review is Google. Joe Hensler was able to secure insurance for my Sonoma County buyers in a high fire risk area. I think he waited on hold about 16 hours because he was determined to get us a quote. We closed escrow and my buyers are thrilled.
We build lasting relationships by putting your needs first, every time.
Experienced advisors delivering smart, tailored insurance solutions.


Honest guidance and transparent service you can depend on.
Quality coverage at the best possible price, without compromise.
We are ready to help you secure the right insurance for your life, home, and business.
