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Profile photo of a State Farm Agent named: Melissa Milender

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State Farm® Insurance Agent

Melissa Milender

Milender Insurance Agency Inc

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

Would you like to create a personalized quote?

Office Info

Office Hours

9am - 5pm
After Hours by Appointment
Call or text us 24 hours a day!


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


English, Spanish, Hindi, Sindhi, Urdu, Bosnian

"In the end, it's not the years in your life that count. It's the life in your years. -Abraham Lincoln"

I am your State Farm Insurance Agent for the San Bernardino, CA area. I have State Farm Agent experience since 2007. I was born and raised in San Bernardino, CA. I am happily married with 3 children. My girls are 14 and 7 with little brother who is 3 years old. My husband works for Cal State San Bernardino. We love our community and I feel so lucky to be “Your Good Neighbor” in the city I’ve always called home. I enjoy church, traveling, camping, fishing and summer nights with friends and family. My hidden talent is singing but my greatest talent is caring about those I help. I sit on the board for CityWay Community Economic Development Corporation, a non-profit dedicated to the economic and communal growth in the city of San Bernardino. I am also a member of the San Bernardino Chamber of Commerce, a member of the Verdemont Revitalization Project, and a member of the Verdemont Neighborhood Association. I cant wait to meet you!

We enjoy assisting resident relocations to the San Bernardino, CA area including Highland, Redlands, and Loma Linda, CA! We focus on Auto Insurance, Life Insurance, and Health Insurance throughout the San Bernardino, CA area including Highland, Redlands, Colton, Fontana, Riverside, Grand Terrace and Loma Linda, CA with our personal price plan packages! Call or stop by the office for a free Car Insurance or Home Insurance Quote in San Bernardino, CA!

Insurance Products Offered

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

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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 and Fontana. 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
Jennifer Camacho State Farm Agent Team Member

Jennifer Camacho

Office Manager

I've been with Melissa Milender's Agency since the she first opened on January 1st, 2016. I am happily married to my highschool sweetheart and we have a son, Jude, who is 9 years old as well as a daughter, Emmy, who is 2 years old. I love going to the gym and watching a good horror flick. I love working in the insurance industry and helping customers uncover needs they never knew they had. I focus on Life Insurance, Commercial Auto Insurance, Business Insurance, Renters Insurance, Home Insurance and more. Give me a call to get your free quotes today!


Fernanda Lira Riveroll

Insurance Account Representative


Ruth Lucero

Insurance Account Representative