Joni Ginno

• Who finds their career at age 16? Honestly, I was just looking for an after‐school job. I walked into a State Farm agent’s office in a small Northern California town, and a character of a man (think Johnny Cash) hired me on the spot. At the time, insurance was a completely foreign world to me. I was still a dependent and had never needed coverage of my own. Looking back, that early uncertainty shaped how I still work today. I remember how overwhelming insurance concepts can feel, which is why my team and I focus on explaining Auto Insurance, Home Insurance, and Life Insurance options in a way that actually makes sense. I always joke that you may not remember everything after our time together, but while you’re here, you’ll feel informed and confident enough to make decisions that fit you and your family. With State Farm on my résumé, I continued working as I moved to Chico, CA to attend college. Balancing work and school meant it took me twice as long to earn my degree, but the reward was paying my own way through college with no loans and no outside financial assistance. After graduating, State Farm hired me as a Claims Adjuster. Supporting customers in Butte County after significant losses to their homes was both challenging and incredibly rewarding. That experience continues to guide how my team and I support customers when the unexpected happens and recovery feels overwhelming. Following my claims experience, I was recruited onto a State Farm Management Team. In 1999, I was fortunate enough to be selected to open my own State Farm agency here in Chico, CA. Over the years, I’ve built an amazing team that truly shows up for the people we serve. They are caring, friendly, and professional, and they work hard to make every customer interaction meaningful. Our office at 1915 Esplanade, Chico, CA 95926 is designed to feel warm, welcoming, and efficient. Our customers are our friends and our responsibility, and we never take that lightly. We blend high‐tech tools with a very human approach because while insurance can feel like a commodity, the relationships behind it are not. If you’re looking for guidance with Auto Insurance, Home Insurance, Life Insurance, or coverage that supports the things you’re building for the future, I’d love to connect and help you prepare with confidence.

"The most fearless thing we can do is keep showing up with love and grace and joy in our real, right-now lives." ~Sarah Bessey

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Fall is right around the corner, and September always feels like a good time to get back into a routine and tackle a few things we've been meaning to do.

If it's been a while since you've reviewed your insurance, this is a great time to check in and make sure your coverage still fits where life is today. New car? Home improvements? Changes with the kids, work, or finances? Even small life changes can be a good reason for a conversation.

My team and I are always happy to answer questions and help you review your options. Give us a call or stop by—we'd love to catch up!