Independent Insurance Agency in Coeur d'Alene, Idaho

“If I could give Brandy 10 stars I’d do it! We started with her many years ago when we owned a business with some complicated dynamics. At the time I would say we were a high maintenance customer and our previous insurance company had let us down spectacularly. Brandy showed up with a cape and ever since she has not stopped being our superhero. When we sold our business one of my hesitations was the company losing her as an agent. We have kept all of our personal policies with her and we will NEVER go anywhere else. Because of the industry we were in (water damage mitigation) I have seen her on the back end multiple times in action for her clients when they have a claim. As well as when we’ve had our own. The true test of a good agent is not when you’re shopping and getting the best rate. It’s when the rubber meets the road and you have a claim. She advocates for you - works for YOU. As a broker and not a captive agent she isn’t torn by having to look out for the best interest of the insurance company, but for the interests of her clients. I tell everyone I know to go to her, because she is the BEST. Every business client I refer has raved about her. And for good reason. She works her tail off to make sure her clients are taken care of, above and beyond what I’ve seen from any other agents. Like I said, she wears a cape. Superhero status in my book!”

“Brandy O’Brien with O’Brien Insurance Services is, without question, the most competent and reliable insurance agent I’ve worked with. This past year, we made the decision to fully transition both our personal and business insurance policies to her, and it was one of the best operational decisions we’ve made. She streamlined the entire process, improved our coverage, and secured highly competitive rates across the board. If you’re looking for insurance in Coeur d’Alene/North Idaho or Washington, Brandy operates at a level that is hard to find. She is exceptionally responsive, detail-oriented, and proactive—qualities that matter when you’re managing real risk in both personal and business settings. What truly sets her apart is her advocacy. She doesn’t just place policies—she stands behind her clients and steps in when it counts. That level of service and accountability is rare. As a business owner working in construction and property-related projects, having an agent who understands risk, timelines, and the realities of the field is critical—and Brandy absolutely delivers. Despite being clearly in high demand, she maintains a level of communication and follow-through that makes you feel like a priority at all times. For anyone needing personal insurance or business insurance, I would confidently recommend Brandy without hesitation.”

“Switching our commercial insurance over to Brandy O'Brien has been one of the best business decisions we've made. From day one, Brandy has provided exceptional customer service, professionalism, and attention to detail. What truly sets Brandy apart is her responsiveness. When I call, she answers. If she's unavailable, she gets back to me quickly and always has the information I need. In the construction industry, timing is critical, and having an insurance agent who is prompt and reliable makes a huge difference. Whether it's certificates of insurance, policy questions, coverage adjustments, or helping us navigate insurance requirements for our projects, Brandy consistently handles everything efficiently and professionally. She genuinely cares about her clients and takes the time to ensure our business is properly protected. I highly recommend Brandy O'Brien to any business owner looking for an insurance professional who is knowledgeable, responsive, and committed to providing outstanding service. Thank you, Brandy, for all your hard work and support! — Dale Parks Onsite Construction NW / Curb Pros”

“Brandy has been providing insurance to myself, friends and family now for 6 years plus. I had a truck accident 4 years ago and the promptness in making sure my boys and I were taken care of is second to none throughout the entire process. From making sure we were okay first and foremost to continued updates throughout getting my vehicle repaired were spot on. She works with the upmost integrity and responds to any questions same day - heck most of the time its within the same hour! Homeowners - auto- boat - RV - you name it and she can insure it - customer service and attention to detail is second to none. Exceptional claims handling, the best communication out there bar none, she'll save you money and get you better coverage. Could not recommend O'Brien Insurance services more!”

“Brandy with Armstrong Insurance is absolutely amazing!!! She's really on top of it and always provides the best service. Every time I've reached out she's fast to answer, very happy, and gets what I needed knocked out quickly... You can feel that she truly cares. I will say there's something special about being able to call your insurance company, instantly be greeted by someone and not have to sit on hold or go through a phone tree to get a hold of someone. If you haven't swung by their office, you should. So cute and comfy. Thank you so much for everything!”

“We love to work with Brandy. When my insurance company's rates went way up I was at a loss as to what to do. I had been with them for twenty-five years and this is how they treated me? I didn't have any claims in all that time, but it didn't matter. My wife suggested Brandy as they were in the same women's group. We went there hoping to save a little money and maybe getting back to the rate we were paying. I was happily shocked when she came back with some numbers. We were way below the rate we had been paying before the old insurance company raised it.”

“We're in our 8th year with Brandy having been highly recommended by our Realtor. We were in the UK and bought a house in CDA online and Brandy took care of the insurance first as a rental then unoccupied and finally as our main residence when we moved out here. We then added two cars as well. Throughout this period Brandy has been so efficient and patient dealing with the 8hr time difference and our lack of knowledge of US Insurance terminology and procedures. She even recommended another broker to handle our Health Insurance.”

“My husband and I trust Brandy completely with both our homeowners and auto insurance, and working with her has been a wonderful experience. She is knowledgeable, responsive, and takes the time to clearly explain options so you can make the best decision for your family. It’s rare to find an agent who is both highly professional and genuinely cares about her clients. We feel confident knowing our policies are in such capable hands and highly recommend Brandy to anyone looking for a trusted insurance advisor.”

“We have trusted Brandy O’Brien of O’Brien Insurance Services with our insurance needs for the past 3½ years and she continues to impress us! Brandy is the definition of dependable—she is quick to help by immediately responding to any inquiry, she is incredibly knowledgeable and, unquestionably, her clients come first. She has saved us time, money and the stress of securing our insurance needs. Brandy is the dream insurance agent who truly has your back. Absolutely five stars! Dennis and Carolyn Wilson”

“Brandy O'Brien has been assisting us with our insurance needs for four years, including business, home and vehicles. She is definitely someone you can count on to be there for you in difficult moments, or with questions regarding your policies, and is extremely efficient in her care of achieving the best insurance rates and products to meet your needs. Her kindness is also a plus in the world of insurance. Thank you Brandy for making your business a place where people are valued and not just a number!”

“Brandy has been absolutely wonderful to work with. She is knowledgeable, responsive, and truly cares about helping her clients find the best coverage for their needs. She took the time to explain everything clearly, answered all of our questions, and made the entire process smooth and stress-free. It’s rare to find someone so professional and personable at the same time. We highly recommend Brandy to anyone looking for an insurance agent they can trust!”

“I was with AAA, and they declined renewing our agreement because of three reported incidents. One was an accident where other party was at fault and took care of our damages. Another was a chipped windshield which was not replaced. The other was am accident which went unreported, and both parties agreed to take care of their own minor damages. Brandy got us full coverage at a substantial savings with progressive. I would highly recommend her.”