Business Details
10 Years
experience
Your Trusted Life Insurance Partner in San Diego
Beach Break Insurance Agency was founded in December 2016 by Rich and Nadene Sabatowski, who bring decades of combined experience in customer service and insurance. Our team prioritizes personalized solutions, leveraging deep industry knowledge to help clients navigate life insurance options. With roots in hospitality and small business management, we transitioned to insurance to provide families with tailored protection while maintaining our commitment to exceptional service.Headquartered in San Diego, we serve local communities with expertise in life, health, auto, home, and business insurance. Our approach combines hands-on guidance with a passion for simplifying complex policies, ensuring clients feel confident in their coverage decisions. We pride ourselves on building lasting relationships through transparency, local market understanding, and a dedication to client well-being that extends beyond policy sales.
Services
Life Insurance
Health Insurance
Auto Insurance
Home Insurance
Business Insurance
Details
- Year established: 2016
Highlights and features
- We provide personalized insurance guidance tailored to individual needs
- Our team combines hospitality-driven service with insurance expertise
- We specialize in simplifying complex insurance policies for clients
- We focus on building long-term relationships through transparency
- Our local San Diego knowledge enhances community-focused service
Services
Life Insurance
We help clients secure financial protection for loved ones through customized life insurance solutions. Our agents compare multiple carriers to find policies matching individual needs, whether term life, whole life, or universal life coverage. With expertise in underwriting processes and policy features, we simplify complex decisions while ensuring long-term security for families.
Health Insurance
Our health insurance services focus on finding affordable, comprehensive coverage for individuals and families. We analyze marketplace options, HMO/PPO networks, and deductible structures to match clients with optimal plans. Our guidance includes enrollment assistance, policy comparisons, and explanations of benefits to ensure clear understanding of healthcare protections.
Auto Insurance
We provide competitive auto insurance quotes with coverage options tailored to driving habits and vehicle values. Our services include liability limits analysis, collision/comprehensive coverage recommendations, and bundling strategies to maximize savings. We help clients understand policy terms while ensuring compliance with California's minimum insurance requirements.
Home Insurance
Our home insurance solutions protect property investments through customized dwelling and liability coverage. We assess replacement costs, policy endorsements, and deductible options to create balanced protection plans. Services include policy reviews, risk assessments, and claims guidance to help homeowners navigate insurance complexities with confidence.
Business Insurance
We offer comprehensive business insurance packages for San Diego entrepreneurs, including liability protection, property coverage, and workers' compensation. Our services help small businesses assess risk exposure, select appropriate policy limits, and implement cost-saving strategies. We specialize in creating tailored solutions that protect both assets and operational continuity.
People
Rich Sabatowski
Owner/Agent
With hospitality industry roots and insurance expertise since 2011, Rich co-founded Beach Break Insurance Agency in 2016. He specializes in life insurance solutions while enjoying San Diego's outdoor lifestyle with his family and dog Polly.
Nadene Sabatowski
Owner/Agent
A former restaurant owner with 12 years of business solutions experience, Nadene transitioned to insurance in 2012. She focuses on simplifying policy decisions for clients while exploring San Diego's attractions with her family and dog Polly.
Stephanie Munoz
Agent
As a San Diego native and former chef, Stephanie brings problem-solving skills to insurance. She specializes in personalized client solutions while supporting her family's pizza restaurant and exploring local gems like Balboa Park.
Questions
What types of insurance do you offer?
We offer life, health, auto, home, and business insurance solutions tailored to San Diego residents and local businesses.
How do you help clients find the right policy?
We compare multiple carriers, analyze coverage options, and provide personalized guidance to match insurance needs with budget-friendly solutions.
Do you serve areas outside San Diego?
While our focus is San Diego County, we can assist clients throughout California with various insurance products.
What makes your agency different?
Our hospitality background brings exceptional customer service to insurance, combining local knowledge with personalized, stress-free policy guidance.
