Business Details
50+ Years
experience
Your Trusted Insurance Partner in Occidental, CA
Since 1972, Open Door Insurance Services has been deeply committed to delivering expert insurance solutions tailored to personal, business, and nonprofit needs. Our team combines decades of industry experience with intimate knowledge of Sonoma County's unique risks and community dynamics. We partner with top-rated carriers to create customized coverage plans that balance affordability with comprehensive protection.Our approach prioritizes personalized service, leveraging local expertise to address both common and specialized insurance requirements. Through consistent community involvement and a focus on client education, we maintain our reputation as trusted advisors in risk management solutions.
Services
Home Insurance
Auto Insurance
Business Insurance
Flood Insurance
Earthquake Insurance
Nonprofit Insurance
Umbrella Insurance
RV Insurance
Details
- Year established: 1972
Highlights and features
- We offer 50+ years of combined insurance expertise in Sonoma County
- Our team maintains deep local market knowledge and community connections
- We work with multiple top-rated insurance carriers to find optimal coverage
- Personalized service from experienced professionals who understand local risks
- Specialized expertise in hard-to-place insurance including nonprofits and special events
What people say
Cut annual costs in half
Better coverage than CA Fair Plan
Local business supporting locals
Expert non-profit insurance help
Excellent customer service
Services
Home Insurance
Protect your most valuable asset with customized home insurance solutions. We offer comprehensive coverage for primary residences, rental properties, and vacation homes including protection against fire, theft, and natural disasters. Our policies can be tailored to include additional protections for earthquakes, floods, and other location-specific risks. With access to multiple carriers, we help homeowners find optimal coverage at competitive rates while ensuring adequate protection for both property and personal belongings.
Business Insurance
Safeguard your business operations with tailored commercial insurance packages. Our Business Owners Policies (BOP) combine property, liability, and business interruption coverage while offering customization for specialized needs. We serve diverse industries including nonprofits, retail establishments, and service providers with protection against liability claims, property damage, and workers' compensation requirements. Our expertise in local regulations and risk factors ensures comprehensive coverage that supports business continuity and growth.
Flood Insurance
Secure essential flood protection through the National Flood Insurance Program (NFIP) and private carrier options. We help property owners understand flood risk zones and obtain appropriate coverage for both residential and commercial properties. Our specialists explain policy details including coverage limits, waiting periods, and claims processes while providing guidance on flood mitigation strategies. This critical protection covers damage from rising water events that standard insurance policies typically exclude.
Earthquake Insurance
Obtain specialized earthquake insurance to supplement standard property policies. We offer coverage options that protect against structural damage, personal property loss, and additional living expenses following seismic events. Our team explains policy features including deductibles, coverage limits, and claim triggers while helping clients evaluate risk based on property type and location. This essential protection addresses one of California's most significant natural disaster risks that standard insurance policies specifically exclude.
Auto Insurance
Get competitive auto insurance rates for personal and commercial vehicles. Our coverage options include liability protection, collision and comprehensive coverage, uninsured motorist protection, and rental reimbursement. We serve classic car owners, motorcycle enthusiasts, and RV operators with specialized policies while helping businesses secure fleet insurance solutions. Our comparative shopping approach ensures clients receive optimal protection at the most favorable terms through multiple carrier options.
People
Fawn Nekton
Agency Owner
With over 25 years of experience, Fawn purchased the agency in 2010 after growing up in Occidental. She leads community initiatives as President of the Occidental Community Council and maintains active chamber memberships while managing the agency's strategic direction.
Angela Gianni
Licensed Agent
A licensed agent since 1997, Angela brings extensive commercial insurance experience to the team. She specializes in serving local businesses and nonprofits while maintaining her Sonoma County roots and community connections.
Amy Bouck
Licensed Agent
Joining in 2022, Amy transitioned from a 20-year programming career to insurance. Based in Utah, she supports clients remotely while managing her family responsibilities and contributing to the agency's growth.
Questions
What types of insurance do you specialize in?
We specialize in home, auto, business, flood, earthquake, and nonprofit insurance with access to multiple coverage options through top-rated carriers.
How can you help me save money on insurance?
Our comparative shopping approach and local market expertise help clients find optimal coverage at competitive rates while identifying available discounts.
Do you offer business insurance for nonprofits?
Yes, we're recognized as The Insurance Center for Non-Profits with specialized expertise serving over 300 organizations with tailored coverage solutions.
What areas do you serve?
While based in Occidental, we serve all of Sonoma County including West County communities and extend coverage options statewide.
Can you help with hard-to-place insurance needs?
Our specialty insurance experience includes event insurance, unique property risks, and customized coverage solutions for challenging situations.
