Business Details
15 Years
experience
Your Trusted Insurance Partner in La Mesa, CA
At Koda Insurance Services, we treat every client like family, offering tailored insurance solutions to protect what matters most. With over 14 years of experience serving El Cajon and surrounding communities, our team combines personalized service with deep local expertise to deliver reliable coverage. We prioritize customer satisfaction by understanding individual needs, providing transparent guidance, and ensuring clients receive the protection they deserve. Our commitment to excellence is reflected in our 5.0 Google rating from 300+ reviews, highlighting our dedication to exceptional service and community trust. 
Services
Residential Insurance
Auto Insurance
Life Insurance
Commercial Insurance
Flood Insurance
Details
- Year established: 2011
Highlights and features
- We offer personalized insurance solutions tailored to your unique needs.
- Our team has 14+ years of local expertise in California insurance markets.
- We prioritize customer satisfaction with transparent, no-pressure guidance.
- We provide comprehensive coverage options for homes, vehicles, and businesses.
- Our 5.0 Google rating reflects our commitment to exceptional service.
What people say
Exceptional customer service
Quick response times
Competitive rates
Knowledgeable agents
Stress-free process
Services
Residential Insurance
Residential insurance safeguards your property and belongings against risks like fire, theft, and natural disasters. We offer tailored policies for homeowners, renters, landlords, and those in high-risk areas. Our coverage includes structural protection, personal property reimbursement, and liability safeguards, ensuring peace of mind for families and property investors across California.
Auto Insurance
Auto insurance protects vehicles and drivers from financial loss due to accidents, theft, or damage. We provide comprehensive coverage options for standard vehicles, motorcycles, boats, ATVs, and classic cars. Our policies include liability protection, collision coverage, and specialized plans for California drivers, including Mexico auto insurance for cross-border travel.
Life Insurance
Life insurance ensures financial security for loved ones through death benefit policies. We offer term, whole, universal, and variable universal life insurance tailored to individual needs. Our solutions help cover final expenses, replace lost income, and support long-term financial planning, with expert guidance to choose the right policy and coverage amount.
Commercial Insurance
Commercial insurance protects businesses from operational risks and liabilities. We provide property coverage, liability protection, workers' compensation, and specialized policies for California businesses. Our offerings include business owners' packages, event liability insurance, and surety bonds, supporting companies in diverse industries across Silicon Valley and coastal communities.
Flood Insurance
Flood insurance covers property damage from flooding, which standard homeowners' policies exclude. We offer NFIP-backed and private flood insurance for residential and commercial properties in high-risk areas. Our policies protect against water damage from storms, overflowing waterways, and rapid snowmelt, ensuring financial recovery after unexpected flooding events.
People
Raymond Koda
Founder
Raymond Koda brings 14+ years of insurance expertise to Koda Insurance Services. Specializing in property and life insurance, he focuses on personalized solutions for California residents. A community advocate, he balances family commitments with active local involvement, emphasizing trust and integrity in client relationships.
Tony Koda
Agency Manager
Tony Koda leads operations with a focus on client-first service. With over a decade in insurance management, he streamlines policy processes and ensures clear communication. His leadership prioritizes stress-free experiences while maintaining community ties through volunteer work and family activities in San Diego.
Avin Jebbo
Insurance Agent
Avin Jebbo specializes in business and life insurance for San Diego residents. Born locally, he combines regional knowledge with compassionate service. Fluent in English and Arabic, he builds trusted relationships while actively participating in community initiatives that support neighborhood growth and resilience.
Ruaa Damman
Insurance Agent
Ruaa Damman provides personalized insurance guidance in English, Arabic, and Chaldean. Her approach emphasizes transparency and cultural sensitivity for diverse clients. Outside work, she travels globally with her family, fostering cross-cultural understanding while maintaining strong ties to San Diego's immigrant communities.
Michael Faraj
Retention Specialist
Michael Faraj excels in client relations with bilingual (English/Chaldean) communication skills. A San Diego native pursuing agent certification, he focuses on accessible insurance education. His community roots and dedication to service position him as a future leader in expanding the agency's client support capabilities.
Questions
What types of insurance does Koda Insurance Services offer?
We provide residential, auto, life, commercial, flood, and specialty insurance including ATV, boat, and Mexico auto coverage for California residents.
Do you offer insurance for high-risk properties?
Yes, we specialize in high-risk fire insurance and California Fair Plan solutions for properties in vulnerable areas.
How quickly can I get a quote?
Most quotes are provided within 24 hours through our online service center or direct agent consultations.
Are your agents licensed in California?
All our agents maintain active California insurance licenses with specialized certifications in property and casualty coverage.
What payment methods do you accept?
We accept major credit cards, bank transfers, and electronic checks for policy payments.
Can I manage my policy online?
Yes, our online portal allows policy reviews, document downloads, contact updates, and proof-of-insurance requests 24/7.
