Solvang, CA is a unique town in the Santa Ynez Valley, known for its Danish-inspired architecture, family-owned bakeries, boutique shops, cozy inns, wineries, and welcoming small-town atmosphere. With its mix of longtime residents, thriving tourism, charming neighborhoods, and local businesses that serve both visitors and the community, Solvang blends cultural character with everyday convenience. At the same time, living and working here comes with real risks—from wildfire exposure in the surrounding foothills to seasonal winds, busy tourist traffic, and the everyday concerns that come with protecting your home, vehicles, and business. Reliable insurance coverage plays a significant role in keeping you prepared. At Koda Insurance Services, you receive personalized insurance solutions tailored to Solvang firms and households, providing steady protection and support through whatever challenges come your way.

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

Life in Solvang brings together walkable neighborhoods, active tourism seasons, outdoor recreation, nearby wine trails, and rural surroundings. With so many moving parts, your insurance needs must match your daily life—whether you’re protecting a home, a rental property, a vehicle, or a local business. We take the time to understand your situation so we can shape policies that truly fit. From fire protection and weather-related concerns to liability risks and commercial needs, our team helps you stay prepared for the unexpected.

Our Insurance Services

At Koda Insurance Services, we offer a wide range of insurance products to meet the diverse needs of Solvang 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 Solvang 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?

Solvang 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.