Personal  ·  Professional  ·  Proven

The Jeremy Carter Insurance Agency

Jeremy Carter  ·  Matt Menke

Home and auto insurance for Carmel-by-the-Sea, Pebble Beach, Pacific Grove, Monterey, and all of California.

Hard-to-place Peninsula homes welcome — FAIR Plan, DIC, earthquake, flood, and non-renewal rescue.

Home & AutoPersonal Lines
BusinessCommercial Lines
CaliforniaLicensed Producer
Request a Quote Explore Coverage

Jeremy Carter·(831) 204-0393·[email protected]·@jeremycarteragency

Matt Menke·(831) 224-2141·[email protected]·@mattInsuresCA

Carmel-by-the-Sea  |  Jeremy Carter CA Lic. #4187910  |  M. Menke CA Lic. #4476998

Latest from @mattInsuresCA · Oct 5 CA FAIR Plan rates change Oct 15. Statewide avg 29.1% — high-risk Peninsula homes often feel more. FAIR Plan is fire only (not water, theft, or liability). Ask about a DIC companion. Check your renewal date.
CA licensed Multi-carrier Carmel-by-the-Sea Same-day response

What We Cover

Home, auto & business coverage for the Monterey Peninsula

Homes along the Carmel coastline
01

Home

Your home is your biggest investment. Protect the structure, what’s inside it, and your liability — from primary residences to coastal second homes.

  • Homeowners & Condo
  • Scheduled Valuables
  • Secondary / Vacation Home
  • High-Limit Umbrella
  • FAIR Plan & DIC
  • Earthquake & Flood
Quote My Home
Sports car at golden hour
02

Auto Insurance

Coverage that fits how you actually drive — from daily commuters to the weekend garage queen — with options worth comparing.

  • Liability & Full Coverage
  • Uninsured Motorist
  • Multi-Car & Bundling Discounts
Quote My Auto
Storybook storefront in Carmel-by-the-Sea
03

Business & Commercial

From the first LLC to a growing fleet, keep your business protected so one bad day never becomes a bad year.

  • General Liability & BOP
  • Commercial Auto
  • Workers’ Compensation
Quote My Business

Meet the Team

Your Carmel insurance team

When you call, you get us — not a call center.

Jeremy Carter, agent and owner of The Jeremy Carter Insurance Agency
Jeremy Carter — Carmel-by-the-Sea

Jeremy CarterAgent & Agency Owner — CA Lic. #4187910

Jeremy Carter is the agent and owner behind The Jeremy Carter Insurance Agency. For over a decade, he has helped individuals, families, and business owners protect what matters most — with an approach that is personal, discreet, and built on lasting relationships. The agency was founded on a simple standard: the kind of attentive, white-glove service clients deserve, from a team that treats every policy like its own.

From first homes to complex commercial risks — restaurants, contractors, auto shops, inns, and short-term rentals — Jeremy leads every client relationship with the same goal: strong coverage at a competitive premium the market will offer, explained clearly and serviced for the long haul.

Jeremy CarterAgent & Agency Owner
Matt Menke, licensed insurance producer in Carmel, California
Matt Menke — Carmel, California

Matt MenkeLicensed Insurance Producer — CA Lic. #4476998

Matt Menke has spent his whole career earning the Monterey Peninsula’s trust — first in its driveways, now in its living rooms. He came up in the family business, Larry Menke Inc., and went on to more than sixteen years serving clients at Jaguar Land Rover Monterey and the Sam Linder Auto Group. Two decades taking care of people and what they drive taught him one thing above all: in a community this tight, your reputation comes down to whether you pick up the phone and tell people the truth.

As a licensed producer with The Jeremy Carter Insurance Agency, Matt helps families and small businesses from Carmel and Pacific Grove to Pebble Beach and Monterey protect what matters — home, auto, umbrella, and business coverage — with plain-English reviews, honest answers, and real quotes compared side by side. No jargon, no fear-selling, no radio silence at renewal.

Matt MenkeProducer — The Jeremy Carter Insurance Agency
Ocean and rocky point on the Carmel-by-the-Sea coastline, Monterey Peninsula
Carmel-by-the-Sea coastline · Monterey Peninsula

How It Works

Three steps to covered

I

Reach Out

Send the quote form or call. Tell us what you need covered — it takes about five minutes.

II

Compare Options

We shop your coverage, then walk you through the options side by side — in plain English, with no pressure.

III

Get Covered

Pick the fit, sign, and we bind the coverage you choose. We handle the paperwork and stay your point of contact for life.

Already a Client?

Service that doesn’t stop at the sale

Claims

File or Track a Claim

Accident, storm, break-in — call us first. We’ll walk you through your carrier’s claim process and stay on it until it’s resolved.

Call (831) 224-2141
Changes

Policy Changes

New car, new driver, moving, refinancing? Email the details and we’ll update your policy and confirm the change in writing.

Request a Change
Documents

Certificates & ID Cards

Need a certificate of insurance for a job, or proof of coverage for a lender or the DMV? Usually turned around the same business day.

Request Documents
Review

Annual Coverage Review

Rates and life both change. A free yearly review makes sure you’re not overpaying — or underinsured — as things evolve.

Schedule a Review

Inspection Ready

Home Inspection Tips for California Homeowners

A few practical checks that help Monterey Peninsula homes show well on insurer inspections and reduce common claim-related surprises. Requirements vary by carrier—ask us before you schedule work.

01

Keep the roof clear and document its age

Clear leaves, needles, and debris from the roof and gutters before an inspection. Keep permit, invoice, or warranty records for roof work—carriers often focus on roof age and visible condition.

02

Know what’s in your electrical panel

Older panels and outdated wiring (such as certain recalled brands, fuse boxes, or knob-and-tube) are common underwriting flags. If you’ve upgraded the panel or wiring, have the permit or electrician invoice handy.

03

Watch for plumbing red flags

Visible leaks, outdated supply materials (for example polybutylene or aging galvanized lines), and water damage are frequent inspection notes. Fix active leaks promptly and keep repair photos and invoices.

04

Create a lean “Zone 0” around the house

Keep the first few feet around walls, decks, and stairs free of mulch, firewood, dry debris, and combustible clutter. CAL FIRE and IBHS home-hardening guidance emphasize ember control at the structure edge.

05

Protect vents and seal ember gaps

Attic, eave, and foundation vents that allow embers in are a frequent wildfire concern. Ember- and flame-resistant vents (or fine noncombustible mesh per CAL FIRE guidance) and enclosed eaves appear in FAIR Plan structure-hardening themes—confirm products and local code with a licensed contractor.

06

Confirm working smoke and CO alarms

California requires smoke alarms in bedrooms and outside sleeping areas on each level, and carbon monoxide alarms where fuel-burning appliances, fireplaces, or attached garages are present. Replace batteries on a schedule and note locations for the inspector.

07

Strap the water heater

California seismic bracing typically calls for proper strapping (often two straps for standard tanks). Garage gas units may also need elevation off the floor—local building rules apply.

08

Pools, trampolines, and liability features

Many carriers look for a permanent pool barrier with a self-latching or locked gate, and some exclude or limit trampoline, diving-board, or slide liability. Disclose these features up front so the policy matches the property.

09

Disclose pets accurately

Breed, bite history, and how dogs are secured can affect liability underwriting. Accurate application answers help avoid later coverage disputes after an incident.

10

Tell us if the home is vacant or unoccupied

“Vacant” and “unoccupied” are treated differently by many carriers and may need a different policy form. Seasonal homes, remodels, and homes between owners should be disclosed before binding or renewal.

Tips are educational; carrier and local rules vary.  ·  M. Menke CA Lic. #4476998

Client Words

What Peninsula clients say

Google review
Matt was incredibly responsive, helpful, and easy to work with. He was always available when I had questions and was very quick to help me find the best insurance option for my home. I really appreciated his professionalism, attention to detail, and willingness to go the extra mile. Highly recommend Matt!
— Alessia Ucelli on Matt
Google review
Matt was extremely helpful and very professional. My new insurance resulted in a significant decrease in my homeowners insurance premium.
— Barby Barone on Matt
Google review
Matt is very helpful and knowledgeable — helping me acquire the proper insurance policy and continues to be helpful, after the fact, when questions come up.
— Karen Colson on Matt
Google review
“Jeremy is very responsive and delivers results! My old policy wasn't being renewed, and my prior insurer provided me with an outrageous quote days before my policy's expiration! Jeremy was able to turn things around in record time to avoid me having a lapse in insurance with a competitive policy. I highly recommend Jeremy in his flexibility, responsiveness and professionalism. I plan on moving other insurance policies over.”
— Ken R
Google review
“I've worked with a lot of insurance agents over the last few decades and none have been as detailed, thoughtful and had as much integrity as Jeremy. He's showed up for my family again and again, going above and beyond, every.single. time. He offers the best policies and is wonderful to work with.”
— Debra G
Google review
“The Readers Digest version is that I contacted Jeremy when I discovered my dad's long time insurance broker was no longer going to cover condos in California. I had about 20 hours to find a new broker. Jeremy solved my problem and covered my dad's condo in less than 2 hours. From the moment I placed my first call to the time we had a new policy, it was less than 2 hours. I went from slightly panicked to incredibly grateful.”
— Kathy A
Google review
“I have worked with Jeremy on many real estate transactions to help our clients find the best possible insurance for their needs, (as well as my own)! Jeremy is quick to respond, understands contractual timelines with a sense of urgency, is thorough in his research, and is a great communicator. I am so grateful to have him on my team of go-to professionals.”
— Claudia McCotter
Google review
“Jeremy is the only insurance agent in the Monterey Peninsula area that could offer me a homeowners policy. He goes above and beyond to give great service and is delightful to work with. Definitely recommend!”
— Robin Cauchois
Google review
“Jeremy is the person to see!! He is a very reliable and honest agent who has the ability to offer customizable insurance solutions to address every clients needs!! He offers all policies and I highly recommend his services!!”
— Violette Olinger
Google review
“Best insurance agent out there! Personable, reliable and prompt. When I had my accident, he answered right away, answered my questions and concerns and took care of everything. He truly cares for all of his customers and will go above and beyond.”
— Natasha Monsauret
Google review
“Jeremy has been so helpful and accommodating. I have recommended him to several friends, its great to have an agent that will always help and be available.”
— Cynde E
Google review
“Jeremy is great to work with. He's very responsive and quick to answer our questions.”
— Tracy B
Google review
“Jeremy was responsive and efficient in arranging our insurance”
— Fiona P

From Google reviews for The Jeremy Carter Insurance Agency · ★★★★★ only · Individual experiences; savings and results vary and are not guaranteed.  ·  See us on Google

Worked with us? Share your experience

Peninsula Coverage Note

FAIR Plan pressure in Pebble Beach

162 homes in Pebble Beach (93953) are on the CA FAIR Plan — four times the 2021 count, per the FAIR Plan’s own zip data.

FAIR Plan covers fire (and related perils), not water damage, theft, or liability. If you’re on it — or staring at a non-renewal — a Difference in Conditions (DIC) companion policy can fill those everyday gaps while we shop the admitted market.

Some DIC or specialty placements may use non-admitted (surplus lines) markets. Those carriers are not members of the California Insurance Guarantee Association (CIGA); we provide the required disclosure when you apply.

The FAIR Plan asked for a 35.8% rate increase; the state approved 29.1%, effective mid-October on new and renewal dwelling policies. Most of that lands on the wildfire portion of the premium, so high-risk Peninsula homes feel more than 29%. Check your renewal date before it hits.

Talk through your options

Questions

Frequently asked

Does it cost anything to get a quote?

No. Quotes from The Jeremy Carter Insurance Agency are always free and carry no obligation. We compare options across multiple carriers; you decide if one fits.

Will requesting a quote affect my credit?

Some carriers order consumer reports when quoting. In California, credit scores are not used to rate auto insurance; for other lines, practices vary by carrier and are typically soft inquiries that don't affect your score.

What do I need to get a home or auto quote?

For a home quote: the property address and basics like year built, roof age, and square footage. For auto: your driver’s license and vehicle info (year/make/model or VIN). Either way, your current policy helps if you have one — five minutes on the phone usually covers it.

Can you handle both my personal and business insurance?

Yes — that’s the point of working with one local team. Auto, home, and business coverage under one relationship, and bundling discounts may be available.

What happens when I need to file a claim?

Call The Jeremy Carter Insurance Agency first at (831) 224-2141 or (831) 204-0393. We review your policy with you, help you file with the carrier, and stay in touch with you and the carrier throughout the claim. Coverage decisions are made by the insurance company.

What if I’m on the FAIR Plan?

The California FAIR Plan typically covers fire and related perils only — not water damage, theft, or liability. A Difference in Conditions (DIC) companion policy can help fill many of those gaps, subject to its terms and availability. The Jeremy Carter Insurance Agency in Carmel helps Peninsula homeowners combine FAIR Plan + DIC or shop back into the admitted market after a non-renewal. Some DIC or specialty placements may use non-admitted markets; required disclosures are provided at application.

Know someone overpaying for insurance? Send them our way — the best compliment a client can give.

On X

Latest from the feed

Rate trends, coverage tips, and Peninsula news — follow along at @mattInsuresCA.

@mattInsuresCA Oct 5, 2026

CA FAIR Plan rates change Oct 15. Statewide avg 29.1%. High-risk Peninsula homes often feel more — most of it is wildfire premium. FAIR Plan is fire only (not water, theft, or liability). Ask about a DIC companion. Check your renewal date.

View on X →
@mattInsuresCA Aug 19, 2026

The FAIR Plan asked for 35.8%. The state approved 29.1%, effective October 15 on new and renewal dwelling policies. Most of it lands on the wildfire portion of the premium, so high-risk homes see more than 29%. Check your renewal date before it hits.

View on X →
@mattInsuresCA Jul 29, 2026

Smoke can ruin a house the fire never touched. Soot is acidic and keeps eating drywall, ducts, and fabric for months. Smoke is a covered peril on a standard homeowners policy. Coming home to a smoke smell? Photograph it and open a claim before you clean.

View on X →
Follow @mattInsuresCA

Get Started

Request a free Carmel insurance quote

Tell us a little about what you need. You’ll get a personal response — usually the same business day.

Jeremy Carter — Office(831) 204-0393 Jeremy Carter — Email[email protected] Matt Menke — Cell(831) 224-2141 Matt Menke — Email[email protected] Follow on X@mattInsuresCA Follow on Instagram@jeremycarteragency Agency Office(831) 204-0393 The Jeremy Carter Insurance Agency327 7th Ave, Carmel-by-the-Sea

We use the information you submit to prepare insurance quotes. We may share it with insurance companies, MGAs and service providers to obtain quotes, and carriers may order consumer reports (such as claims history or, where permitted, credit-based information). You may have rights to access and correct information about you under California Insurance Code §791 et seq. See our Privacy Policy.

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