Skip to content
Español
Call
Text
(909) 522-3300
Profile photo of a State Farm Agent named: Melissa Milender

Would you like to create a personalized quote?

Continue a saved quote Items needed for a quote
File a Claim Send Payment
State Farm® Insurance Agent

Melissa Milender

Milender Insurance Agency Inc

Office Hours

Monday
9am - 5pm
Tuesday
9am - 5pm
Wednesday
9am - 5pm
Thursday
9am - 5pm
Friday
9am - 5pm
Saturday
Closed
Sunday
Closed
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 (105 reviews)
Contact Us
Contact Us
Text Us
Map & Directions
Get ID Card

Would you like to create a personalized quote?

Continue a saved quote Items needed for a quote
File a Claim Send Payment

Office Info

Office Hours

Monday
9am - 5pm
Tuesday
9am - 5pm
Wednesday
9am - 5pm
Thursday
9am - 5pm
Friday
9am - 5pm
Saturday
Closed
Sunday
Closed
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

"Whatever excuses you may have for not buying life insurance now will only sound ridiculous to your widow."

As your dedicated State Farm Insurance Agent proudly serving the San Bernardino, CA community since 2007, I bring not only extensive experience but a deep-rooted passion for the city I’ve called home my entire life. Born and raised in San Bernardino, I understand firsthand the unique needs and values of our community.

Family is at the heart of everything I do. Happily married with three wonderful children—two daughters, ages 15 and 8, and a lively 4-year-old son—I cherish the moments spent with my husband, who serves Cal State San Bernardino. Together, we are committed to strengthening the bonds that make our community thrive.

Beyond insurance, my commitment extends into active community leadership. As a board member of the CityWay Community Economic Development Corporation, I help drive sustainable economic growth and opportunity across San Bernardino. I also serve as an officer on the board of the Downtown Neighborhood Association, championing the success and revitalization of our local small businesses.

Faith and service guide me daily. At The Way World Outreach—a global church based here in San Bernardino—I joyfully serve in Kids Ministry, Drama Ministry, and Missions Ministry, investing in the future of our community and beyond.

When I’m not working or serving, you’ll find me enjoying the great outdoors—camping, fishing, traveling, or sharing summer nights with friends and family. While my hidden talent is singing, my greatest gift is genuinely caring for the people I serve.

Whether you’re relocating to San Bernardino, Highland, Redlands, Loma Linda, or the surrounding areas, I am here to provide personalized insurance policies to protect what matters most. From Auto and Home Insurance to Life and Health coverage, my team and I offer competitive, customized plans designed for you and your family’s specific needs.

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

Banking

View Licenses

Trailer insurance coverage

Consider trailer insurance coverage to help protect the value of your trailer.

What is an immediate annuity and is it right for you?

An immediate annuity can be a useful tool to help create a guaranteed income stream in retirement that you can depend on month to month.

Car maintenance tasks you can do yourself

To combat auto repair costs that keep climbing, some auto maintenance can be done at home. Here are ones that are usually do-it-yourself.

View More Articles

Bold Predictions :30 (feat. Charissa Thompson)

Delivery :30 (feat. Charissa Thompson & Ryan Fitzpatrick)

Talking Head :30 (feat. Ryan Fitzpatrick)

Don't Touch That

"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!

our team image 0
our team image 1