Guadalupe, CA is a small, close-knit community on the northern edge of Santa Barbara County, known for its rich agricultural roots, historic downtown, and proximity to the Guadalupe-Nipomo Dunes and nearby coastal areas. With a mix of family homes, apartments, farmworker housing, local shops, restaurants, and businesses that support both residents and surrounding farms, Guadalupe offers a genuine small-town feel with strong community ties. At the same time, living and working in this region comes with real risks, including agricultural and industrial exposures, seasonal winds and coastal weather, nearby wildfire concerns, Highway 1 traffic, and everyday property and liability issues. Whether you’re protecting your home, insuring your vehicles, or securing your business, dependable insurance coverage is essential. At Koda Insurance Services, we provide personalized insurance solutions tailored to Guadalupe residents and business owners, giving you confidence and protection no matter what challenges arise.
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 Guadalupe means enjoying the benefits of small-town, agricultural life while managing challenges such as changing coastal weather, the nearby wildfire season, and regional 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 Guadalupe 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 Guadalupe 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 Guadalupe 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?
Guadalupe 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.
