South Lake Tahoe, CA is a vibrant mountain resort community on the shores of Lake Tahoe, known for its stunning alpine scenery, year-round recreation, and mix of full-time residents, vacation homes, and tourism-driven businesses. From lakeside neighborhoods and forested residential areas to hotels, restaurants, ski-related services, and retail shops, the town blends small-town charm with a busy visitor economy. At the same time, residents and business owners face real risks, including wildfire exposure, heavy snowfall, winter storms, busy highways and tourist traffic, and everyday auto and liability concerns. Whether you’re protecting a primary home or cabin, insuring vehicles for mountain driving, or securing your business operations, having the right insurance in place is essential for long-term stability and peace of mind. At Koda Insurance Services, we provide customized insurance solutions tailored specifically for South Lake Tahoe families and business owners, ensuring your home, vehicles, and livelihood are fully protected.
Who We Are and What We Stand For
At Koda Insurance Services, we provide personalized attention and customized insurance solutions that go beyond policies—we aim to build trust and lasting relationships. We treat every client like family, prioritizing transparency and understanding in everything we do.
Personalized Coverage Built Around Your Needs
Living in South Lake Tahoe means balancing the benefits of a world-class outdoor destination with challenges like wildfire season, severe winter weather, and seasonal tourism traffic. We take time to evaluate your individual needs—whether you’re protecting your home, rental property, vehicles, or business—and design coverage that addresses the risks specific to the South Lake Tahoe area. Our team is here to help you stay prepared for unexpected events with reliable, comprehensive coverage designed around your lifestyle.
Our Insurance Services
At Koda Insurance Services, we offer a wide range of insurance products to meet the diverse needs of South Lake Tahoe families, individuals, and businesses. Whether you’re insuring your home, car, or business, we’re here to help you find the right coverage with confidence and efficiency.
Residential Insurance
Protect your home and property with coverage tailored to the unique conditions of rural living. We offer homeowners, renters, and landlords policies tailored to high-risk fire zones and areas prone to natural disasters.
- Umbrella Insurance
- Home Insurance
- Landlord Insurance
- Renters Insurance
- High-Risk Fire Insurance
- Flood Insurance
- Earthquake Insurance
- Short-Term Vacation Rental Insurance
Vehicles
Whether commuting, exploring backroads, or heading to the lake, we offer vehicle insurance options that cover every mile.
- Auto Insurance
- Motorcycle Insurance
- Boat Insurance
- ATV Insurance
- Classic Car Insurance
- Recreational Vehicle Insurance
- RV Insurance Quote
- Mexico Auto Insurance
Life/Financial Insurance
With our range of life and financial products, you can secure your family’s future and prepare for life’s unexpected turns.
- Life Insurance
- Final Expense Insurance
- Long-Term Care Insurance
- Annuities
Commercial Insurance
For South Lake Tahoe business owners, our commercial coverage protects your livelihood. We’ve covered your business, from property protection to liability and workers’ compensation.
- Commercial Property Insurance
- Business Auto Insurance
- General Liability Insurance
- Event Liability Insurance
- Business Owner’s Package (BOP) Insurance
- Workers Compensation
- Surety Bonds
Ready to Protect What Matters Most?
South Lake Tahoe families and businesses trust Koda Insurance Services for local expertise, responsive service, and insurance options that fit real-life needs. When you work with us, you’re not just getting a policy—you’re gaining a partner. Call (619) 600-5550 or fill out our online form today to get started.
