Business Details
32 Years
experience
Your Trusted Local Insurance Partner in San Diego
Established in 1994, Pappazi Insurance Agency has built a legacy of trusted insurance solutions for personal and business clients in San Diego. Our team combines decades of industry expertise with personalized service, prioritizing your needs through proactive coverage advice and tailored policy options. We operate with integrity, transparency, and a commitment to community through our animal rescue referral program. Staci Pappazi, as owner since 2001, leads a dedicated team that includes Kasey Helm and Ashley Watterson, all focused on delivering exceptional customer service beyond mere transactions.With a focus on anticipating client needs, we simplify insurance decisions while supporting local causes. Our experience with AM Best-rated carriers ensures access to reliable coverage options, and our local market knowledge enables precise risk management. We value long-term relationships over one-time sales, reflected in client testimonials praising our responsiveness and expertise. By blending professional excellence with community responsibility, we aim to be your lifelong insurance partner.
Services
Home Insurance
Renters Insurance
Auto Insurance
Commercial Auto
Motorcycle Insurance
Small Business Insurance
Earthquake/Flood/Umbrella Insurance
Details
- Year established: 1994
Highlights and features
- Experienced team serving San Diego since 1994
- Work exclusively with AM Best A+ rated carriers
- Personalized service anticipating clients' evolving needs
- Community-focused through annual animal rescue donations
- Independent agent offering multi-carrier comparisons
What people say
Honest knowledgeable service
Outstanding customer service commitment
Best coverage for best price
Proactive insurance guidance
Above and beyond expectations
Services
Home Insurance
We protect your San Diego home with customizable coverage options for property damage, liability protection, and additional living expenses. Our policies include specialized options for condos, apartments, and rental properties across California's coastal communities.
Commercial Insurance
San Diego small business owners receive tailored liability and property insurance solutions addressing industry-specific risks. We help protect local enterprises with policies covering equipment, inventory, and operational liabilities through AM Best-rated providers.
Auto Insurance
Our personal and commercial auto policies cover standard vehicles, specialty cars, and business fleets. With support for classic cars and high-risk drivers, we ensure California-compliant coverage matched to individual driving profiles.
Umbrella Insurance
We offer extended liability protection beyond standard policy limits for comprehensive risk management. These policies help safeguard assets against catastrophic claims through additional coverage tiers for homes and vehicles.
Flood Insurance
We provide specialized flood insurance coverage for San Diego properties, including coastal areas and inland waterways. Our policies address water damage risks not covered by standard homeowners insurance through National Flood Insurance Program partners.
People
Staci Pappazi
Owner
Certified insurance professional with 25+ years serving San Diego clients. Former US Coast Guard member who purchased the agency in 2001. Active Special Olympics coach committed to community animal rescue initiatives.
Kasey Helm
Operations Manager
Joined agency in 2010, progressing from administrative roles to managing core operations. Focuses on policy administration and customer service improvements while maintaining local market expertise.
Ashley Watterson
Personal Lines Manager
Licensed broker with expertise in homeowners and auto insurance. Joined in 2015, responsible for new business acquisitions while maintaining psychology background applied to client relationship management.
Questions
What types of insurance do you offer?
We provide home, auto, motorcycle, commercial, flood, and umbrella insurance for San Diego residents and businesses. Specialized policies cover rental properties and unique assets.
How do you find the best insurance rates?
As independent agents, we compare multiple AM Best-rated carriers to find competitive pricing tailored to your specific coverage needs and risk profile across personal and business lines.
What information do you need for a quote?
We require basic contact details, property information, vehicle details, or business specifics depending on coverage type. Our team guides you through the process during business hours.
Are payment plans available?
Most carriers offer monthly or annual payment options. We'll explain available financing terms from our partner companies when we present your customized insurance proposal.
What services do you provide for small businesses?
We offer liability, property, and specialized commercial insurance solutions covering equipment, inventory, and operational risks tailored to San Diego's small business community.
How does your referral rewards program work?
For every successful referral, we donate to local animal rescue groups while you earn Starbucks coffee rewards. No purchase required for the referred party.
Videos
Reviews (6)
Thomas Permuy
Sep 03, 2021
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Staci and her team are the benchmark of what customer service should be. I have never been more satisfied with their service to me and my family.
Staci always comes through when you need it.
Staci always comes through when you need it.
Habanerat
Sep 14, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
A very smooth and easy process! I highly recommend!
Jeff
A very smooth and easy process! I highly recommend!
Jeff
Juan C.
Sep 09, 2020
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This is a long overdue review of the Pappazi team. I've been with Pappazi since 2014 when I was scrambling to find a decent rate for homeowners insurance.
Pappazi made it so easy to find home insurance that as my other policies expired I found myself calling them to help find a competitive rate for auto insurance and other things like drone insurance. No matter who I've spoken to, whether its Staci, Kasey or Ashley, the team has always been quick to resolve my issues. If you're like me and busy 24/7 with family, work and life, do yourself a favor and contact the Pappazi team
Pappazi made it so easy to find home insurance that as my other policies expired I found myself calling them to help find a competitive rate for auto insurance and other things like drone insurance. No matter who I've spoken to, whether its Staci, Kasey or Ashley, the team has always been quick to resolve my issues. If you're like me and busy 24/7 with family, work and life, do yourself a favor and contact the Pappazi team
Therese Picado
May 14, 2020
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Kristina was very helpful, knowledgeable and informative. She was also patient in explaining all the insurance products I was looking into. To be honest, I find insurance language so difficult to understand so I need someone who knows what they are doing and is willing to take the time to spell it out for me. Kristina did this with patience and good cheer. Thank you.
Cheryl Traut
Nov 14, 2019
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The staff here at Pappazi Insurance are always will to help. They always email you on Holidays regarding being safe. I have been with them for a long time. BEST RATES EVER! No one has ever beaten them, and insurance companies do try! Love you guys!
Brian Calvano
Oct 11, 2019
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They were very thorough and quick in researching which companies and policies were best for my individual as well as my commercial (real estate properties) needs. I feel very secure knowing that I have agents who will regularly evaluate changes in industry changes in coverage and prices. Grade A+
