CA License #4073629 backs this Farmers agent at 4724 Point Loma Ave, serving the OB and Point Loma corridor since 2020 with auto, home, renters, life, business, motorcycle, and umbrella lines. Home policies through Dana Gardner carry dwelling, personal property, and liability coverage designed for the wood-frame bungalows and coastal stucco units that dominate 92107, with premium math that often aligns with a purchase closing represented by Catrina Russell Real Estate - Ocean Beach & Point Loma Realtor. Auto coverage spans liability, collision, comprehensive, medical payments, and rental reimbursement, with Signal telematics and multi-policy rating factors that adjust the premium to the specific household. Renters, condo, and landlord policies cover the triplex and rental-conversion stock common west of Sunset Cliffs Boulevard, and motorcycle and recreational lines protect the bikes and RVs stored on OB driveways. Binder issuance runs in parallel with mortgage funding through lenders including OBMortgage, so proof of insurance lands in the escrow file before the close-of-escrow deadline. The most complex work comes on high-value coastal homes near the pier where dwelling rebuild costs, wind-driven rain exclusions, and umbrella layering above auto and home all need to stack correctly on a single household program.