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State Farm® Insurance Agent

Melissa Milender

Milender Insurance Agency Inc

Office Hours

After Hours by Appointment

Address

738 S Waterman Avenue Suite A8
San Bernardino, CA 92408-2355

North of Orange Show and South of Mill St. On the corner of Central & Waterman

Profile photo of a State Farm Agent named: Melissa Milender
4.8/5 average rating on Google (107 reviews)
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Office Info

Office Hours

After Hours by Appointment

Call or text us 24 hours a day!

Address

738 S Waterman Avenue Suite A8
San Bernardino, CA 92408-2355

Location Details

  • Parking: In front of building
  • No steps/stairs

Languages

English, Spanish
Map Image

"You don't buy life insurance because you are going to die, but because those you love are going to live."

I’m Melissa Milender — your local State Farm Insurance Agent proudly serving San Bernardino and the surrounding communities since 2007. Born and raised in San Bernardino, I know this area and its families personally. That local insight guides how I help customers find the right coverage and build long-term protection plans that fit real life.

Why work with me

  • Deep local roots and experience: Serving the San Bernardino community since 2007, I combine State Farm’s resources with hometown knowledge.

  • Family-first approach: I’m happily married with three children (ages 15, 8, and a lively 5-year-old son), so I design policies that reflect real family priorities and budgets.

  • Community leadership: I am the president of the University Neighborhood Association and serve as an officer on the Downtown Neighborhood Association board. Additionally, I sit on the board of the CityWay Community Economic Development Corporation. Through these roles, I am dedicated to unifying the community, fostering a love for where we live, and actively supporting local small businesses and economic growth.

  • Active in service: I volunteer at The Way World Outreach in Kids, Drama, and Missions Ministries — faith and service guide how I work with customers.

  • Personal touch: Whether it’s camping, fishing, traveling, or singing (my hidden talent), I bring genuine care and a listen-first attitude to every insurance conversation.

Insurance services I provide

  • Auto insurance

  • Homeowners and renters insurance

  • Life insurance (term, whole, and custom coverage approach)

  • Health insurance options

  • Personalized, competitive quotes and policy reviews to protect what matters most

Areas I serve San Bernardino, Highland, Redlands, Loma Linda, Rialto and surrounding communities.

Let’s protect your family’s future with clear, affordable coverage designed for your life. Call or visit us today for a free, no-obligation quote and experience the difference of working with a true “Good Neighbor” who’s invested in your protection and our community’s future.

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

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"Creating Experiences, Not Transactions"

This is my office motto and we stand by it!

My office believes in helping each customer uncover their personal insurance needs. We do this by getting to know each customer and taking the time to understand the things in life that matter most to them. Our mission is to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.

We are located in the city of San Bernardino and provide insurance and financial services (including Personal Car, Commercial Auto, Home, Renters, Life, Health, and Business) throughout California, including but not limited to the local communities of San Bernardino, Highland, Redlands, Loma Linda, Grand Terrace, Colton, Rialto, Fontana and all of the Inland Empire. We believe in creating experiences, not transactions!

Jennifer has been with my office since the beginning, January 2016. Jennifer is the Office Manager of the Milender Insurance Agency. She's licensed to help with all personal, commercial, life, and health insurance. Jennifer loves helping customers by matching insurance coverage's to the individual needs of each customer. Give Jennifer a call today to have her give you a free quote and coverage review on your current insurance!

Ruth has been with my office since May 2023. She's licensed to help with all personal lines insurance as well as life and health insurance. Ruth has a background in finance and life insurance prior to her start with State Farm. She enjoys educating customers on all products we offer to help reduce their risks of everyday life.

Fernanda has been with my office since January 2024. She started as a customer of ours and after a couple years of relationship building, she excitedly joined our team. Fernanda has over 5 years of prior insurance experience with another company. She believes in the value of having relationships with the customers she helps. She has her personal lines license as well as her life and health license. Fernanda educates everyone she meets on the benefits of different policies based on the needs of each customer she meets.

Nim has been with my office since 2022. She helps make sure every customers information stays current and helps us keep in touch with customers who have upcoming changes on their insurance. Nim works remotely and is a valuable member of our team!

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