Referral Program



Your referrals mean the world to us. We work hard to earn each referral with great service and appreciation for your business every day. As our way of saying thank you, we’re kicking off our new referral program. Here’s how it works:

Each time we receive a referral from you, you get the opportunity to choose a gift card reward. What qualifies as a referral? A referral is when we are contacted for a quote from someone saying you referred them to us. Don’t worry we ask on every call.

  • For every referral we receive we will give you a $10 Starbucks or Amazon gift card.
  • We hold a quarterly drawing from all the names of people that referred someone to us.
    • For our quarterly drawing, the monthly prize is a $100 Visa gift card.
    • Each referral equals one entry into our quarterly drawing
    • We’ll announce who won in our newsletter.
    • If you are the quarterly winner, we’ll ask you for a picture of you and will feature you in a ½ page article!
  • That’s it. The person you refer doesn’t have to purchase a policy or obtain a quote from us if we’re not competitive for your referral to count.

Our referral program is open to anyone, whether they’re a client or not.

Giving Thanks


It’s that time of year where we tend to take stock of all the things we are thankful for — and for us at Elmco, that means giving thanks for all of you, our loyal clients. Elmco is a company with integrity and generosity as core values. All of our employees demonstrate that core value by giving back to our community in our personal lives, in addition to the work we do for our customers every day. Here’s how three of our employees give back during the holiday season.

President Tom Meadows leads the way by regularly volunteering at LA’s Union Rescue Mission. He and his wife Lorraine also fill up Christmas boxes for Operation Christmas Child, giving boxes to represent each of their six grandchildren.

Agent Erin Walsh-Moloney volunteers at a packing day for Families Forward. Erin and her husband Jim pack produce for boxes to be distributed to families for Thanksgiving meals. She is working with other Junior League members and the Orange County Human Trafficking Task Force (OCHTTF) on a Holiday Adopt-A-Family program. Gifts and gift cards will be purchased, wrapped and delivered to Orange County families this season. Erin and her husband Jim also participate in another annual Christmas Adopt- A-Family program through their church.

Monica Gee, another Elmco employee, volunteers at Parkview Community Church. She uses her culinary skills to help provide a Thanksgiving meal to her community. Even her three kids enjoy giving back and helping pass out the meals to those in need.

Elmco Celebrates Veterans


With all the craziness in our politics this week, Elmco is so thankful for the opportunity to pause and celebrate. Today we honor a group of people who undeniably have helped forge our country into something great: Veterans.


Before Emmett L. Meadows founded Elmco, he fought for our country and served without complaint for 20 years. A lot has changed since then, but may we never forget all they sacrificed on our behalf.


Elmco sponsored a flag in honor of Chief Warrant Officer Emmett L. Meadows at the Orange Field of Valor. We are proud to a participate in this patriotic tribute honoring all Veterans and Active Duty Military personnel for their dedication and service to our nation, preserving our security, our independence, and our freedom.

What Should I Look for in an Insurance Company?


Don’t you just love Geico commercials? They are hilarious and their message of “save 15% on car insurance” is incredibly enticing. But is that all you should look for in an insurance company? A funny gecko and a claim of savings? What else should you look for when choosing an insurance company?

Geico’s ads are so appealing because everyone wants more for their money. Savings are without a doubt an important factor in choosing an insurance company. Geico’s claim to save you money is great, but you have to test it with the facts. The reality is a brokerage like Elmco Insurance is able to get you the best price for your insurance needs. Why? Because we interact with dozens of insurance companies and will find the best fit for your needs, for the best price. Geico has a one-size-fits-all approach that can’t always guarantee you the best deal. And you need to make sure that you are getting the coverage you actually need. Which is why the next point is so crucial.

Custom(er) Service
Other companies might have great customer service — but do they CUSTOMIZE it to your specific needs? Do they throw out words like “limited liability coverage” and “uninsured motorist” and expect you to know what that means and how much you need? Elmco Insurance agents aren’t about the numbers, they are about investing in a relationship. When you speak with one of our agent’s they will listen to your needs, explain all the terms, and make sure you are getting exactly what you need at a price you can afford. And when you need to make a claim? We’re there to walk you through that too. Elmco is a family-run business and will treat you like family too.

One-Stop Shopping
Don’t you love finding everything you need at one store? Did you know that Elmco can find coverage for anything that you need? Have a car? Getting married and need insurance for your venue? Have a boat? Have an antique auto? Have a business auto? Need health or life insurance? Need additional coverage for flood or fire damage? Heading to Mexico on vacation and need foreign coverage? Need rental or homeowners insurance? Need worker’s comp for your employees? Whatever your need, we cover it.

Coverage for the Uninsurable
Been in one too many accidents? Have a property in a flood plain or fire zone? Other companies will flat out reject ‘undesirable’ candidates. Elmco specializes in finding coverage for anyone and everyone who needs insurance. We’ll find the needle in the haystack and meet even the most challenging coverage needs. We’ll go the extra mile for you!

Trust and Loyalty
In a day and age when everyone is trying to sell you something, we all want to find companies we can trust. Elmco has no agenda to sell the most insurance to pay for expensive prime time ads — we are there to help your family and to meet your specific requirements. With over half a century of experience, you can know that Elmco is reliable and will keep your needs first. We’ve insured multi-generational families and businesses; Elmco has a dependable track record that keeps clients satisfied and loyal.

When it comes to insurance, it’s your family’s or business’s well-being at stake. Don’t make a decision based on clever advertising — choose a company that will put your best interest ahead of their own and meet all your insurance needs. Choose Elmco Insurance.

What’s in a Name?


Have you ever wondered where the name “Elmco” came from?

Take a step back in time with me and imagine a battle-worn Marine retiring from twenty years of service to our country. Not just any Marine — a warrant officer who played an integral part in the pacific rim landings of World War 2 and the battle of Chosin Reservoir during the Korean War. In addition to being a Marine, this man had a wife and four kids who had made dozens of moves, including one move to Guam for a short time. Imagine this man, whose seen more suffering and death than anyone should ever have to. And now, at 37 he must find a new career and way to support his family.

After fighting for life and freedom for twenty years, it’s logical that his next step would be towards providing a safety net for families who’ve experienced loss. Life Insurance. Many people put off purchasing life insurance thinking, “It’ll never happen to me. I’ve got plenty of time.” But when you’ve seen a third of your men return from battle after battle on the Pacific Rim, you know better. Life is precious and short. When you’ve lived through the end of the world, you know you want to provide for your loved ones after you’re gone.

With that simple thought, Elmco was born in 1958. Emmett Lonnie Meadows (the ELM of Elmco) started something special in 1958 — and we’ve kept his legacy alive by providing excellent service and expanding our offerings to include auto, renters,  home, health, business, and so much more. With Emmett’s son, Thomas Meadows, at the helm, this family business always puts your family first — protecting and covering the people and things you value most. So what’s in our name? Family. Country. Honor. Legacy. Elmco — a name you can trust.

Elmco Insurance in Santa Ana, CA since 1958

Big or small, we’ve got insurance solutions when you need it. Our advanced service and competitive pricing gives you an advantage for both your personal and commercial insurance needs. Call us today.