Toni MacKinnon helps individuals and families across California protect what matters most. Known for her “down to earth” approach, she believes insurance should feel like a conversation and takes a personal interest in helping customers make confident decisions about their auto, home, rental, and personal umbrella insurance needs. Her goal is to simplify insurance so every customer feels informed, protected, and valued.

Toni proudly serves customers in the greater Sacramento region, primarily Folsom and El Dorado Hills, offering guidance and local expertise backed by the strength of Allstate. Whether she’s reviewing a policy, explaining coverage options, or making changes, she focuses on building real relationships and long‑term protection strategies.

When she’s not in the office, Toni enjoys life in the sunny Sierra Foothills with her husband, son, and three dogs. Together they share a love of the outdoors — fishing, boating, and camping. Toni has also been an adult leader in the Boy Scouts and has supported competitive student angler bass fishing in California, serving as a committee member, treasurer, member‑at‑large, and Tournament Director for several fishing contests.

Born and raised in California, Toni continues to make a lasting impression on the individuals and families she has the pleasure of helping.