Kings Beach, CA is a lively lakefront community on the north shore of Lake Tahoe, known for its sandy beaches, mountain views, and year-round tourism. With a mix of full-time residents, vacation homes, rental cabins, and small businesses serving visitors, the area faces unique risks—from wildfire and heavy snow to tourist-season traffic and short-term rental exposures. Whether you’re protecting a family home near the water, insuring vehicles for mountain driving, or securing a local business that depends on seasonal visitors, having the right insurance in place is essential for long-term peace of mind. At Koda Insurance Services, we specialize in providing customized insurance solutions for Kings Beach residents and business owners, making sure your home, vehicles, and livelihood are adequately 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 Kings Beach means facing a variety of property and business risks, including wildfire exposure, winter storms, tourism-related concerns, and the realities of mountain and lakefront living. We take the time to evaluate your individual needs—whether you’re protecting your home, cabin, vacation rental, or your small business—and design a customized insurance policy that addresses the risks specific to this area. Our team is here to help you stay prepared for unexpected events with dependable coverage that fits your unique lifestyle.

Our Insurance Services

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

Kings Beach 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.