Rivera Insurance Agency: Personalized Insurance Solutions

Rivera Insurance Agency: Personalized Insurance Solutions
Since 2010, we've provided California families and businesses with tailored insurance coverage that perfectly fits their unique needs. From personal and commercial lines to life, health, and specialty products, we're your one-stop solution for complete protection.
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About Rivera Insurance Agency
Founded in the heart of Santa Rosa, Rivera Insurance Agency has emerged as a trusted independent insurance provider with over 20 years of combined experience in the California market.
Our agency stands on four pillars that guide everything we do:
Integrity
We believe in honest communication and transparent practices, putting your interests first in every recommendation.
Customer-Centric
Your needs drive our business. We listen carefully to understand your unique situation before recommending solutions.
Independence
As an independent agency, we work for you—not the insurance companies—giving you access to multiple carriers and options.
Community
We're your neighbors, committed to protecting the California communities we serve with personalized care.
Our mission is simple but powerful: to empower clients with the knowledge they need to make informed insurance decisions that protect what matters most.
Personal Lines Insurance Overview
At Rivera Insurance Agency, we understand that no two clients are alike. That's why we take the time to customize policies that fit your unique needs and budget. Our extensive carrier network allows us to shop around for the best coverage at competitive rates.
Home Insurance
Protect your most valuable asset with coverage for your dwelling, personal property, liability, and additional living expenses.
Auto Insurance
Drive with confidence knowing you're covered for liability, collision, comprehensive, uninsured motorist, and medical payments.
Umbrella Insurance
Extend your liability protection beyond standard policy limits to safeguard your future earnings and assets.
Specialty Personal Lines: RV Insurance
Your recreational vehicle represents both adventure and investment. At Rivera Insurance, we provide specialized coverage to protect your motorhome, travel trailer, or fifth wheel, whether you're a weekend warrior or full-time RVer.
1
Comprehensive Coverage
Liability protection for injuries or damage to others
Collision coverage for accidents regardless of fault
Comprehensive protection against theft, vandalism, and weather
2
Specialized Options
Personal belongings coverage for items inside your RV
Vacation liability for injuries at your campsite
Emergency expense coverage for transportation and lodging
Roadside assistance tailored for large vehicles
We offer flexible plans that accommodate both seasonal and full-time RV owners, with discounts available for safety features and multiple policies.
Specialty Personal Lines: Watercraft Insurance
From leisurely pontoon cruises to high-speed jet skis, your watercraft deserves specialized protection. Rivera Insurance Agency offers comprehensive coverage options to keep you afloat through any situation.
Standard Coverages
Bodily injury and property damage liability
Physical damage protection for collisions
Comprehensive coverage for theft, fire, and storms
Uninsured/underinsured watercraft coverage
Optional Enhancements
Trailer and equipment coverage
Medical payments for you and your passengers
On-water towing and assistance
Fishing equipment and personal effects coverage
Policy Types
Recreational watercraft policies
Commercial marine coverage
Yacht-specific insurance
Personal watercraft (PWC) policies
Our specialists understand the unique risks associated with different watercraft and will help you navigate the options to find the perfect coverage.
Specialty Personal Lines: Secondary & Seasonal Homes
Vacation Home Protection
Your getaway deserves the same level of protection as your primary residence. Our policies address the unique risks of properties that stand unoccupied for extended periods.
Comprehensive Coverage
Get protection against fire, theft, liability claims, and severe weather events that could damage your investment while you're away.
Flexible Policy Terms
We offer tailored coverage based on your property's occupancy schedule, whether it's a weekend retreat or a seasonal residence.
Many standard homeowners policies don't adequately cover secondary properties. Our specialists ensure you have the right protection for your mountain cabin, beach house, or urban pied-à-terre.
We offer multi-property discounts and can help you bundle your secondary home insurance with other policies for maximum savings. Our team understands the unique considerations of seasonal properties and will help you find the perfect balance of coverage and cost.
Landlord Insurance Policies
Your rental properties are both an investment and a business. Standard homeowners insurance doesn't provide the specialized protection landlords need. Rivera Insurance Agency offers comprehensive landlord policies designed specifically for rental property owners.
1
Property Protection
Coverage for the dwelling structure, other structures on the property, and landlord-owned appliances and furnishings against fire, windstorm, hail, vandalism, and other perils.
2
Liability Coverage
Protection if a tenant or visitor is injured on your property and you're found legally responsible, including legal defense costs if you're sued.
3
Loss of Rental Income
Reimbursement for lost rental income if your property becomes uninhabitable due to a covered loss, helping maintain your cash flow during repairs.
4
Optional Enhancements
Additional coverage options including tenant damage protection, eviction cost coverage, and building code upgrade coverage to fully protect your investment.
Whether you own a single rental home or multiple apartment buildings, we'll customize a policy that provides the right protection at a competitive price.
Commercial Lines Insurance Solutions
Growing a business comes with inherent risks. Rivera Insurance Agency provides comprehensive commercial insurance solutions to protect your company's assets, operations, and future. We work with businesses of all sizes across California, from startups to established enterprises.
Contractors
General liability, workers' compensation, equipment coverage, and surety bonds for construction professionals and trades.
Service Providers
Professional liability, cyber liability, and errors & omissions coverage for consultants, IT services, and professional firms.
Manufacturers
Product liability, equipment breakdown, business interruption, and supply chain protection for manufacturing operations.
Retail
Property coverage, inventory protection, customer liability, and business interruption for retail establishments.
Professional Services
Malpractice, cyber security, employment practices liability, and directors & officers coverage for professional firms.
Apartments & Lessor Risks
Multi-family property coverage, liability protection, loss of rents, and tenant discrimination coverage for property managers.
Our commercial specialists take the time to understand your business model, industry challenges, and growth objectives before recommending coverage options. We leverage our relationships with top-rated carriers to secure competitive rates without sacrificing protection.
Health Insurance Options
Your health and financial well-being depend on having the right insurance coverage. Rivera Insurance Agency offers comprehensive health insurance solutions for individuals, families, and employer groups throughout California.
Individual & Family Plans
ACA marketplace navigation and enrollment
Subsidy eligibility assessment
Plan comparison across multiple carriers
Network provider verification
Prescription drug coverage analysis
Medicare Solutions
Medicare Advantage plan selection
Medicare Supplement (Medigap) policies
Prescription Drug Plans (Part D)
Enrollment timing strategies
Annual plan reviews and adjustments
Employer Group Coverage
Small group health insurance plans
Large group benefits administration
Employee benefits consulting
COBRA continuation coverage
Wellness program integration
Group Life 
Dental, Vision, Hearing Options
Our licensed health insurance specialists provide year-round support, helping you understand benefits, resolve billing issues, and navigate the complex healthcare system. We stay current with changing regulations and new plan options to ensure you always have the best coverage for your situation.
Life Insurance Options
Life insurance is about more than planning for the inevitable—it's about protecting those you love and creating a legacy. Rivera Insurance Agency offers personalized life insurance solutions to meet your unique needs and goals.
Term Life Insurance
Affordable coverage for a specific period (10, 20, or 30 years), ideal for income replacement during your working years or covering specific obligations like a mortgage or children's education.
Whole Life Insurance
Permanent coverage with level premiums, guaranteed death benefits, and cash value accumulation that can be borrowed against. Provides lifetime protection and a legacy component.
Universal Life Insurance
Flexible permanent insurance with adjustable premiums and death benefits, plus cash value growth potential. Offers the ability to adapt coverage as your needs change.
Our life insurance specialists provide expert guidance on policy selection, beneficiary planning, and strategies to maximize your coverage while minimizing costs. We help ensure your life insurance aligns with your overall financial plan and estate strategy.
What our clients are saying….
Jake Bennett
★★★★★
"Rivera Insurance took the time to understand my family's unique needs. They found us better coverage than we had before while actually saving us money on our home and auto policies. Their personal touch made all the difference."
James Smith
★★★★★
"As a small business owner, I needed comprehensive coverage without breaking the bank. The team at Rivera found the perfect balance, explaining every option clearly. When we had a claim, they were there every step of the way, making the process painless."
Emily Johnson
★★★★★
"After being declined by several agencies for coverage on my vacation rental property, Rivera Insurance found a solution when no one else could. Their expertise with specialty insurance products was invaluable, and their service has been exceptional."
Robert Brown
★★★★★
"The guidance I received on life insurance options was thoughtful and thorough. They helped me understand exactly what coverage I needed for my family's security. I've since moved all my insurance needs to Rivera and couldn't be happier with their service."
Maria Rodriguez
★★★★★
"When I needed specialty insurance for my boat, Rivera Insurance made it simple and affordable. They explained all the coverage options and helped me find the perfect policy. Their knowledge of watercraft insurance is impressive."
David Chen
★★★★★
"Rivera Insurance helped me navigate the complex world of health insurance with ease. They found me a plan that fit my budget and needs perfectly. Their ongoing support throughout the year has been outstanding."