Raymond Koda is the Agency Principal at Koda Insurance Services, where he brings over 14 years of experience as a dedicated insurance broker. Specializing in property, business, and life insurance, Raymond is committed to helping individuals and businesses protect what matters most through tailored and reliable coverage solutions.
Known for his client-first approach and deep industry knowledge, Raymond has built a reputation for trust and excellence in the insurance field. Outside of work, he is a proud husband and father devoted to his growing family. He actively participates in community events, reflecting his strong belief in giving back and staying connected to the people he serves.

Tony Koda, Agency Manager at Koda Insurance Services. Tony brings a sharp eye for detail and a strong commitment to putting clients first. He stepped into a leadership role within a family-founded agency that’s been serving Californians for over 14 years. He focuses on making the insurance process smooth and stress-free by offering clear communication, honest guidance, and dependable service.
Whether he’s helping clients protect what matters most or fine-tuning policies to fit unique needs, Tony’s goal is always the same: to deliver an exceptional experience with integrity and care.
Outside the office, Tony enjoys traveling, spending time with his family, and giving back to the San Diego community he calls home.

Avin Jebbo is a dedicated insurance agent at Koda Insurance Services, proudly serving clients across California. Born and raised in San Diego, Avin brings a deep understanding of the local community and a strong commitment to helping neighbors protect what matters most.
Specializing in both business and life insurance, Avin combines industry knowledge with a passion for outstanding customer service. He believes that insurance is more than just policies—it’s about building trusted relationships and delivering service that truly makes a difference.
Whether you’re securing your home, your business, or planning for the future, Avin provides clear, compassionate guidance every step of the way. Deeply involved in the local community, he is proud to serve with integrity, clarity, and a commitment to doing what’s right.

Ruaa Damman is a knowledgeable and compassionate insurance advisor at Koda Insurance Services, dedicated to helping clients navigate the complexities of insurance with ease and confidence. With a strong focus on transparency and personalized service, Ruaa takes the time to understand each client’s unique needs—whether it’s life, auto, home, or business insurance—and guides them toward the right coverage.
Fluent in English, Arabic, and Chaldean, Ruaa proudly serves a diverse range of clients, ensuring clear communication and trusted support at every step. Outside of work, she enjoys traveling the world with her husband and their two beautiful children, embracing new cultures and experiences.
With a passion for service and a strong family and community focus, Ruaa is committed to providing peace of mind and protection for every season of life.

With a background in entrepreneurship and a passion for helping people protect what matters most, I’m proud to be part of a team that specializes in both personal and commercial insurance. Whether it’s safeguarding a family home or helping a business stay protected, I bring real-world experience, attention to detail, and a solutions-first mindset to every client relationship.
Before joining the insurance world, I ran my own business, which taught me the value of hard work, adaptability, and the importance of personalized service—values I carry with me into every policy I write.
I’m proud to support and assist members of the San Diego Community and especially the Kurdish community with their insurance needs.
Outside the office, I’m a licensed pilot and love taking to the skies in my free time. I also enjoy solo travel, diving into books and articles on business and strategy, and always finding new ways to grow both personally and professionally.

Omar McMaster is a bilingual, service-driven professional who is passionate about helping people improve their lives—one meaningful interaction at a time. Fluent in both English and Spanish, Omar connects easily with others and is known for being approachable, dependable, and highly professional. As a proud new dad and long-time San Diego resident, he brings genuine care, clear communication, and a strong sense of purpose to every opportunity. Whether he’s guiding clients, collaborating with a team, or simply sharing a great cup of coffee, Omar shows up with integrity, warmth, and a commitment to creating better outcomes for everyone he serves.

Jose Habacuc Serrano, known affectionately as “Haba” by friends, family, and clients, is a top-producing agent at Koda Insurance Services, recognized for his dedication, integrity, and unmatched client service. With a background as an Emergency Department Tech for six years at Sharp Grossmont Hospital, Haba brings a service-first mindset and a deep sense of community care to every client interaction.
Specializing in homeowners insurance—particularly in high-risk fire zones—Haba has become a trusted resource for real estate professionals and homeowners alike, known for his responsiveness and ability to save escrows with speed and clarity. His attention to detail and ability to explain complex coverages in simple terms set him apart as a true advisor, not just an agent.
Raised in both San Diego and Zacatecas, Mexico, Haba is fluent in Spanish and has built strong, lasting connections within the Latino community. His clients appreciate the comfort and confidence they gain from working with someone who truly understands their needs and communicates every step of the way.
In addition to personal insurance, many business owners rely on Haba’s expertise to secure comprehensive and cost-effective commercial insurance solutions. His energy, professionalism, and genuine care are evident in every relationship he builds.

Michael Faraj is a dedicated Retention Specialist at Koda Insurance Services, where he excels in client relations through patience, strong communication skills, and a genuine commitment to helping others. Fluent in English and Chaldean, with conversational Arabic skills, Michael brings a
diverse and approachable presence to his role, effectively serving a wide range of clients.

With aspirations to grow within the insurance industry, Michael is actively working toward his goal to transition into a full-time insurance agent role, where he can further assist individuals and families in making informed, secure decisions about their futures.

Born in Iraq and raised in San Diego, Michael graduated from high school and continues to call the city home—firmly rooted in the community he loves. Outside of work, he enjoys fishing and spending quality time with friends and family.