Koda Insurance Services

09/03/2026

Remember the January 2024 storm that flooded San Diego neighborhoods, damaged hundreds of homes and businesses and led to more than 200 water rescues?

San Diego received 2.73 inches of rain in a single day, and some areas saw as much as 2.5 inches in just one hour.

Now, NOAA is forecasting a potentially historic “Super” El Niño for 2026–27.

No one can say exactly what this winter will bring. But property owners can use the advance warning to ask an important question now:

If water damages my property, am I financially prepared for it?

Our newest blog looks at the forecast, what San Diego has experienced before, where homeowners insurance may leave gaps and why waiting until a storm is on the radar can be too late.



https://kodains.com/el-nino-san-diego-flood-insurance/?utm_source=facebook&utm_medium=social&utm_campaign=2026_el_nino

09/02/2026

Turning your home into a rental property? Your regular homeowners policy may not be enough.

Once the property is being rented out, the risk changes, and your insurance should change with it.

A landlord insurance policy can help protect the property, provide liability coverage, and address exposures that may not be covered under a standard homeowners policy.

Before you hand over the keys, make sure your coverage is set up correctly.

Need help reviewing your rental property insurance? Contact Koda Insurance Services today.

08/31/2026

Your business is more than a job, it’s something you’ve built.

The time, money, effort, risk, and sacrifice that go into building a business deserve to be protected with the right insurance coverage.

At Koda Insurance Services, we help business owners understand their risks, review their current policies, and make sure their coverage is built around how their business actually operates.

Protect your business. Protect your future.

08/29/2026

Your business is not the same as it was when you first got insured.

Maybe you hired employees, added vehicles, moved locations, bought equipment, signed new contracts, or started offering new services.

As your business grows and changes, your insurance needs can change too.

That’s why it’s important to review your coverage regularly and make sure your policy is still built around how your business actually operates.

Need a second opinion on your business insurance? Talk to a Koda advisor today.

08/26/2026

For contractors, one mistake on the job can turn into a serious financial problem.

Damaging a client’s property, a dispute over completed work, or an accident at the job site can quickly lead to claims, legal expenses, and out of pocket costs.

That’s why the right contractor insurance matters.

General Liability, tools and equipment coverage, workers’ comp, commercial auto, and other policies can all play an important role depending on how your business operates.

At Koda Insurance Services, we help contractors understand what coverage they need, where they may be exposed, and how to better protect their business.

Need a second opinion on your contractor insurance? Talk to a Koda advisor today.

08/25/2026

How well is your business protected? 👀

Take our free 2-minute Business Protection Quiz to find out.

Answer a few quick questions about your business—from employees and vehicles to equipment, customer data and professional services—and instantly see coverage areas that may be worth a closer look.

✅ Takes just a couple of minutes
✅ Personalized to your business
✅ See your results instantly
✅ No sales call required

No appointment. No pressure. Just a quick way to get a better idea of what might be worth having on your radar.

Take the Quiz →

Take our free Business Insurance Checkup to identify coverage areas that may be worth reviewing based on how your business operates.

08/24/2026

Business insurance shouldn’t be one size fits all.

Every business has different risks, different contracts, different employees, different vehicles, and different coverage needs. That’s why having the right agent matters.

At Koda Insurance Services, we take the time to understand how your business actually operates, explain your options, and help identify where you may be exposed.

Whether you’re starting a new business, reviewing an existing policy, or unsure if your current coverage is enough, connect with our team..

We’re here to help you protect what you’re building.

08/21/2026

If your business had to shut down after a covered loss, how long could you survive without income?

Business Income coverage can help replace lost revenue when your business is forced to temporarily close due to a covered claim, like a fire, major property damage, or another covered event.

It’s one of those coverages many business owners don’t think about until they actually need it.

At Koda Insurance Services, we help business owners understand what their policy covers, what it doesn’t, and where they may be exposed.

Need a second opinion on your business insurance? Contact Koda Insurance Services today.

08/17/2026

One accident. One mistake. That’s all it can take to put everything you’ve built at risk.

A slip and fall, an employee injury, or one unexpected claim can cost a business thousands, or even millions. That’s why your insurance shouldn’t be one-size-fits-all.

At Koda Insurance Services, we tailor coverage around your business, your risks, and what you’ve worked hard to build.

08/15/2026

Running a business comes with enough surprises, your insurance shouldn’t be one of them.

A Business Owners Policy (BOP) can bring key coverages like property, liability, and business interruption together to help protect what you’ve worked hard to build.

Koda Insurance Services. Local expertise, personal service, real protection.