Our Expert

Insurance Agents

At San Ramon Insurance Agency, our team is dedicated to providing personalized insurance solutions tailored to your needs. With decades of experience, we are here to support you throughout your insurance journey.
Tracy Renfro
Agency President
I began my career at San Ramon Insurance Agency in 1991 as a receptionist and eventually purchased the agency with my husband, Steve, in 2004. In 2020, we transitioned San Ramon Insurance to a virtual agency and relocated to Brentwood to be closer to our growing family, including our two granddaughters, Eleanora and Emily. When I am not managing the agency, I enjoy spending time with my family and our pug, Lyra, or visiting wineries in Napa and Livermore in search of the perfect bottle of wine.
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Kerree Young
Personal Insurance Agent
Kerree loves being a mother, a wife, a farmer, and a career woman. She grew up in Livermore, CA, and started with San Ramon Insurance in 2006 as a receptionist. Today, she is a licensed Personal Lines Insurance Agent. In her free time, Kerree likes to spend time with her family and immerse herself in the agriculture lifestyle on her ranchette. She enjoys volunteering for 4-H, gardening, and raising animals.
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Norma Gonzalez
Personal & Commercial Insurance Agent
I began my career at Averi Insurance Agency in Fremont at age 16, eventually taking over the agency in 2001. In 2008, I joined the team at San Ramon Insurance. I am deeply involved in our local community and have served as an Ambassador for the San Ramon Chamber of Commerce since 2009. I enjoy attending networking events, participating in ribbon cuttings, and welcoming new members to our business community. Outside of work, I enjoy spending time with my family and exploring the San Francisco Bay Area. I have a great appreciation for nature and am a foodie at heart.
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Jennifer Love
Personal Insurance Agent
Jenny has been part of the local community her entire life. After growing up here and attending local schools, she continues to appreciate the strong sense of community that makes San Ramon such a special place. She has been part of San Ramon Insurance Agency since 2004. Outside of work, she enjoys hiking, exercising, spending time outdoors, and making new memories through family adventures and vacations. With a longtime love for baking and desserts, she enjoys discovering new restaurants and sweet treats along the way. She values meaningful family time, new experiences, and the simple joy of life's everyday adventures - including her lifelong love for cats.
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Laine Renfro
Personal & Commercial Insurance Agent
Laine believes life is best lived with a mix of creativity, curiosity, and deep connection. Outside of her professional life, her biggest passion is art; as a visual artist, she loves the process of starting with a blank canvas and creating something meaningful. That same creative energy spills over into her kitchen, where she loves to cook and experiment with new recipes. When she needs a quiet moment to recharge, you can usually find her curled up with a great book. More than anything, her world revolves around the people in it. In her downtime, she always spends quality time with her friends and family, sharing a meal or catching up over coffee. She brings that exact same love for family, community, and personal connection into her work.
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Steve Renfro
Commercial Insurance Agent
With over 35 years of combined expertise in business management and insurance, I assist my clients in effectively managing complex risks while ensuring profitability. My career is built on the belief that effective risk management and cost control are crucial for driving profitability. I am proud to apply these principles in a way that best meets the diverse insurance needs of our community. Outside of the office, I enjoy spending my free time at the local CrossFit gym, studying Italian, and traveling.
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