Haven Insurance Services

What Haven Insurance Services does

Haven Insurance Services, Inc. (operating as QuoteHaven) is an independent insurance agency and broker founded in 1989 by co-owners Michael and Teena Lupo, headquartered in Upland, California with a branch office in Cathedral City. The company distributes personal lines coverage from multiple carrier partners — including Progressive, SafeCo, Foremost, Hagerty, Kemper, Infinity, Bristol West, Pacific Specialty, and Topa — across ten U.S. states (AZ, CA, FL, GA, MN, NV, OH, OR, TX, WA). Its product portfolio comprises nine lines: auto, homeowners, renters, motorcycle, classic auto, RV, umbrella, UTV, and boat insurance.

The business operates on a traditional brokerage model with no proprietary technology platform, no mobile application, and no disclosed APIs or integrations. Customer acquisition combines digital self-service quote forms on quotehaven.com with phone-based agent-assisted sales through licensed agents at its two offices. The website also hosts educational blog content and the agency maintains a presence on Facebook and LinkedIn. Marketing channels emphasize the agency's independence ('we work for you, not the insurance companies'), its 30+ year tenure, and continuous policy re-shopping as a retention lever.

Haven earns revenue exclusively through carrier commissions on bound policies, with ongoing renewals generating recurring income. Multi-policy bundling and customer tenure (testimonials document 20–30+ year relationships) are the primary retention mechanics. The company is privately held by the Lupo family with no external institutional investors, no funding history, and a stated headcount of 1–10 employees. The operating model is consistent with a long-tenured, owner-operated Main Street insurance agency rather than a venture-backed or technology-enabled brokerage.

Name

Haven Insurance Services

Legal name

Haven Insurance Services, Inc.

Website

https://quotehaven.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Short description

Haven Insurance Services is an independent insurance agency and broker distributing personal lines coverage — auto, home, renters, motorcycle, classic auto, RV, umbrella, UTV, and boat — from multiple carrier partners to individual consumers across 10 U.S. states.

Ownership category

akta.pro rank

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industry

Standalone Umbrella Liability (FSAJANAE)

Keywords

• Independent insurance agency
• Personal lines insurance
• Auto insurance brokerage
• Homeowners insurance
• Insurance broker services

Headquarters

HQ city

Upland

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Commission Revenue: Haven Insurance Services operates as an independent insurance agency/broker earning commissions from insurance carriers for policies sold. As a broker, they represent multiple insurance companies ('dozens of top-rated companies') and earn commissions when customers bind policies through their agency. The company also offers policy changes and renewals which generate ongoing commission revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Haven Insurance Services is an independent personal lines insurance agency/broker that sells Auto, Homeowners, Renters, Motorcycle, Classic Auto, RV, Umbrella, UTV, and Boat Insurance policies sourced from dozens of top-rated insurance carriers. As a broker, the agency compares coverage and prices across multiple carriers to find optimal rates for individual consumers, earning commissions from carriers when policies are bound and renewed. Customers can obtain quotes through online forms or by phone, with policy changes and re-shopping available at any time.

Product overview

Haven Insurance Services (operating as QuoteHaven) is an independent insurance agency that serves as a broker, offering insurance products from multiple carrier partners. The company provides a portfolio of nine insurance products: Auto Insurance, Homeowners Insurance, Renters Insurance, Motorcycle Insurance, Classic Auto Insurance, RV Insurance, Umbrella Insurance, UTV Insurance, and Boat Insurance. The platform enables customers to obtain quotes and manage policies through an online quoting system, with policy changes and claims handled via phone or online forms. As a broker, the company works for the customer rather than the insurance companies, comparing coverage and prices across dozens of carrier partners to find optimal rates.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 30+ years in business since 1989
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core.

• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner from which Haven Insurance Services offers policies. Progressive is one of the major insurance carriers represented by Haven for auto, home, and other insurance products.
• SafeCocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering auto, home, and other insurance products through Haven's agency. SafeCo provides standard and specialty coverage options.
• ForemostcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in specialty insurance products including mobile home, landlord, and classic auto coverage.
• HagertycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in classic and collector vehicle insurance. Hagerty provides agreed-value coverage for classic cars.
• KempercoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering a range of personal and commercial insurance products through independent agents.
• InfinitycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in non-standard auto insurance for high-risk drivers.
• Bristol WestcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering non-standard auto insurance products through independent agents.
• Pacific SpecialtycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering specialty insurance products including motorcycle, watercraft, and recreational vehicle coverage.
• TopacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal and commercial insurance products in the western United States.

Scale indicators4 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• SelectQuote: Direct-to-consumer insurance agency selling term life, auto, and home insurance from multiple carriers, with similar commission-based revenue model and online quote-to-bind funnel. Public company peer with comparable independent agency economics.
• SmartFinancial: Online personal lines insurance agency (auto, home, and commercial) comparing multiple carrier quotes via a digital platform — directly competes with Haven in the multi-carrier comparison-shopping model, though at much larger scale.
• Insureon: Online insurance brokerage aggregating multiple carrier quotes for small business and personal lines. Operates a similar independent agency business model via digital quote forms and partner carriers, with comparable commission revenue model.
• CoverHound: Commercial and personal lines insurance comparison platform partnering with multiple carriers. Comparable multi-carrier broker model, though with stronger technology orientation than Haven.

Emerging players

• Policygenius: Online insurance marketplace originally focused on life but expanded into auto, home, and disability. Comparable broker-customer dynamic with multi-carrier comparison, but with proprietary technology platform and significant VC backing — represents the digitally-native evolution of Haven's model.
• QuoteWizard: Insurance lead generation and comparison platform owned by LendingTree — competes for the same online personal lines insurance shopper that Haven targets through its quote forms. Adjacent business model (lead-gen vs. agency).
• Lemonade: Insurtech carrier offering renters, home, auto, and pet insurance direct-to-consumer with proprietary AI underwriting. Competes with Haven for the same consumer insurance customer, particularly renters and homeowners, via a fully digital experience.

Broad incumbents

• Progressive: One of Haven's largest carrier partners AND a direct competitor via Progressive Direct. Represents the dual threat of dependence (commission revenue) and disintermediation (direct-to-consumer) that defines Haven's strategic risk profile.
• GEICO: Largest direct-to-consumer auto insurer in the US, with strong brand recognition on price comparison. Direct competitor for the auto insurance customer Haven serves — exemplifies the disintermediation pressure on independent agencies.

Regional players

• The General Insurance: Non-standard auto insurance carrier specializing in high-risk drivers, overlapping with Infinity and Bristol West (both Haven carrier partners). Comparable niche within the personal auto segment but operates as a direct carrier rather than a broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/quotehavenins
• LinkedInlinkedin.com/company/haven-insurance-services-inc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Haven Insurance Services