Georgetown, CA is a historic mountain community on the Georgetown Divide, known for its forested landscapes, rural neighborhoods, and welcoming small-town atmosphere. With its mix of country properties, family homes, local shops, and long-standing businesses, the area offers a peaceful, nature-filled lifestyle. At the same time, living and working in a remote, wooded region comes with real risks—including wildfire exposure, harsh winter weather, winding mountain roads, and everyday auto or liability concerns. Whether you’re protecting a home on acreage, insuring vehicles for daily drives over the divide, or securing your business operations, having reliable insurance is essential for long-term stability and peace of mind. At Koda Insurance Services, we offer tailored insurance solutions designed specifically for Georgetown residents 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

Life in Georgetown blends rural living with natural beauty. Still, it also brings unique challenges such as wildfire season, extreme weather, long-distance driving, and the demands of caring for larger properties. We take time to understand your specific situation—whether you’re insuring a home, rental property, vehicles, recreational items, or a local business. Our team designs coverage that reflects the conditions of the Georgetown area, helping you stay prepared for unexpected events with dependable protection tailored to your lifestyle.

Our Insurance Services

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

Georgetown 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.