CA License #0E44225 belongs to Matt Kalla, who ran a State Farm agency for 30 years before opening the independent Matt Kalla Insurance Agency at 4148 Voltaire St with access to multiple carriers. Landlord and rental-property coverage is a heavy line of the book, written for OB and Point Loma owners including portfolios under Rowland Realty Property Management, with DP-3 dwelling-fire forms, loss-of-rent coverage, and liability for short-term and long-term rental scenarios. Personal lines span auto, home, condo, health, life, and pet insurance for OB households. Business insurance covers BOPs, general liability, commercial auto, and workers comp for the restaurants, retailers, and service contractors along Voltaire and Newport. Pet policies cover accident, illness, and wellness riders that integrate with annual exam and vaccination records from clinics such as Point Loma Veterinary Clinic, giving reimbursement claims a clean paper trail. The most complex files are multi-property landlord programs where umbrella liability has to layer above auto, home, and each rental dwelling policy without leaving a coverage gap between carriers.