Treasure What You Have

Jerry Tench, State Farm Insurance

Treasure What You Have
BY: ALISON WILSON, Brisbane Chamber Director Marketing / Sales

Stepping into the Jerry Tench State Farm Insurance office was an eye-opener. Jerry Tench opened the interview with the statement, “My passion is to help people to identify the value of what they have and determine what their exposure is before a disaster occurs to ensure they have adequate coverage. I provide 24/7 service for my clients. It’s important to me that my clients are protected in every aspect of life, property and wealth.” I learned that Jerry’s core values are community involvement, personal relationships, education and limiting exposure.
I asked Jerry to speak more about exposure. He replied, “In life, the unexpected will and does happen. Insurance provides protection. Both Janette Orozco Duharte, Account Manager, and my mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.”
Jerry has 45 years’ experience in serving people by providing insurance to cover the totality of their life, providing auto, home, business, property, life and health insurance. Business insurance includes liability, errors & omissions, workers compensation, commercial vehicle insurance and other specialty business coverages. Homeowners insurance includes fire, flood protection, earthquake, renters or condo, and other specialty coverages that fall under the home insurance protection umbrella. Auto insurance includes insurance for auto liability, comprehensive, road side assistance for their cars, trucks, RV’s, motorcycles and ATVs. He provides the personal umbrella insurance of life and health coverage. In short, I learned he covers all aspects of life, so that his clients can live without fear of a disaster and while living their dreams.
While speaking of insurance, Jerry commented, “My job is to give information to my clients. Often people don’t realize they live in a flood zone and are surprised to learn they need flood protection. And, with all the fires in California (even here in the San Francisco Bay Area including Napa, Tahoe, Woodside and Livermore), insurance companies have placed coverage restrictions on policies. So, with the added insurance restrictions and requirements, it is important that when placing a bid on a home, people check with their preferred carrier to make sure the home is insurable.”
While we were speaking about the recent fires and the homes lost, Jerry said, “an insurance policy is a legal document between you and your carrier. Your responsibility when filing a claim is to provide photos and documents to back up your claim when a disaster occurs. The insurance company can then pay you for lost property. My clients often say, ‘Jerry, I am not planning on moving or selling my home why do I need to make sure I have the right coverage and documents?’ My reply is no one expects a disaster, like the fires in Napa, so it’s paramount to plan for the worst by creating an inventory with receipts, photos taking photos, documenting your property and storing the documents in a safe place where you can retrieve if it is needed. It’s prudent to make sure your existing policy limits covers what you have.”
Janette Duharte is an account manager at State Farm. She is fully licensed, fluent in Spanish with 25 years of insurance experience added, “At Jerry’s office our goal is make sure the client knows and understands the coverage they are purchasing. It’s important that they know their exposure and limits, exclusions and protection level. This is why I went to work here, writing contracts, serving my clients. Working here fits with my core values of the ‘the Client comes first and community involvement.” She continued, “I like to hike, ride my bicycle, I am passionate about making the world a better place. I am an active Rotarian. I contribute to my community. Did you know that State Farm has a rich history of community involvement with giving back to the communities where we live and work? Our values support building safer, stronger and better educated communities. We support families in need and strive to make an impact.
Call Jerry and Janette and say hi! They can be reached at 1405 Huntington Ave, Ste 100, South San Francisco, CA 94080, by email Jerry at and Janette at Office hours are Mon-Fri 8:30am to 5:00pm Check them out on the web at You can find them on LinkedIn, yelp and social media.

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