Business Details
10 Years
experience
Your Trusted Insurance Partner in San Diego
Beach Break Insurance Agency was founded in 2016 by Rich and Nadene Sabatowski, who bring decades of combined experience in customer service and business management. Our team transitioned from successful careers in hospitality to insurance, driven by a passion for helping families secure their futures. We specialize in life, health, auto, home, and business insurance, offering personalized solutions tailored to each client's unique needs. With deep roots in San Diego, we prioritize local knowledge and community connections to better serve our clients. Our approach combines industry expertise with a commitment to transparency, ensuring clients understand their coverage options without hidden fees.We pride ourselves on building long-term relationships through exceptional service and ongoing support. Our agents, including San Diego native Stephanie Munoz, apply problem-solving skills honed in diverse professional backgrounds to simplify the insurance process. We continuously expand our product offerings while maintaining a focus on quality over quantity. Clients benefit from our partnerships with top-rated insurers and our dedication to finding cost-effective, comprehensive coverage. Our mission remains centered on protecting families and businesses while delivering peace of mind through exceptional insurance solutions.
Services
Life Insurance
Health Insurance
Auto Insurance
Home Insurance
Business Insurance
Details
- Year established: 2016
Highlights and features
- We combine 10+ years of insurance experience with hospitality industry customer service excellence
- Our team includes former hospitality managers who understand personalized client care
- We offer tailored insurance solutions for San Diego's unique lifestyle and business needs
- We maintain partnerships with top-rated insurance carriers nationwide
- Our agents have helped thousands of clients find affordable, comprehensive coverage
Services
Life Insurance
We help clients secure financial protection for their families through customized life insurance policies. Our specialists compare multiple carriers to find affordable term and whole life options that match individual needs. Clients receive comprehensive guidance on policy features, coverage amounts, and beneficiary designations to ensure long-term security.
Health Insurance
Our team assists individuals and families in navigating health insurance options through personalized consultations. We explain marketplace plans, HMO/PPO networks, and deductible structures while considering clients' specific medical needs and budget constraints. We maintain ongoing support for policy renewals and coverage adjustments.
Auto Insurance
We provide competitive auto insurance quotes with customizable coverage options for personal and commercial vehicles. Our specialists explain liability limits, collision coverage, and available discounts while ensuring compliance with California's minimum requirements. We help clients balance protection needs with budget considerations.
Home Insurance
Our home insurance solutions protect San Diego properties against common risks through customized dwelling and personal property coverage. We help clients understand policy limits, replacement cost calculations, and additional endorsements for unique home features. We work with insurers offering earthquake and flood coverage options.
Business Insurance
We create comprehensive business insurance packages tailored to San Diego's diverse industries. Our specialists assess liability exposures, property protection needs, and workers' compensation requirements while offering bundled policy options. We provide risk management guidance for small businesses and startups.
People
Rich Sabatowski
Owner/Agent
Former hospitality executive with 15+ years of insurance experience. Started in restaurant management before transitioning to insurance in 2011. Recognized as top producer at GIA Risk Management before co-founding Beach Break in 2016. Focuses on life and business insurance solutions.
Nadene Sabatowski
Owner/Agent
Experienced business owner with 12 years running Small Business Solutions. Transitioned to insurance in 2012 after seeing Rich's success. Specializes in simplifying complex insurance concepts for clients. Co-founded Beach Break in 2016 with expertise in policy analysis and customer service.
Stephanie Munoz
Agent
San Diego native with culinary industry background. Applies problem-solving skills from restaurant management to insurance consulting. Focuses on personalized service for local families and small businesses. Active community member with deep knowledge of San Diego's neighborhoods and lifestyle needs.
Questions
What types of insurance do you offer?
We provide life, health, auto, home, and business insurance solutions for San Diego residents and businesses.
How do you help clients find affordable policies?
We compare multiple carriers and customize coverage options to match clients' specific needs and budget constraints.
Do you specialize in San Diego insurance needs?
Yes, our team has extensive local knowledge about regional risks and insurance requirements in San Diego County.
Can you help with business insurance policies?
We create customized commercial insurance packages for San Diego small businesses across various industries.
Do you offer policy reviews for existing insurance?
Yes, we provide free policy analysis to help clients understand their current coverage and identify gaps.
