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Michelle Kinkaid
Agency Owner | License # 0J16983​

Phone: (530) 672-1979
Email: [email protected]

​BIO:

Michelle Kinkaid is the owner of Kinkaid Insurance Services and a licensed insurance broker specializing in homeowners, auto, umbrella, and difficult-to-place properties throughout California.

With over a decade of experience in the insurance industry, Michelle is known for helping clients navigate California’s increasingly complex insurance market with honesty, creativity, and personalized guidance. She specializes in finding solutions for homeowners who may struggle to secure coverage through traditional channels, including properties in wildfire-prone areas.

In addition to insurance, Michelle also brings experience in mortgage lending, giving her a unique understanding of how insurance, homeownership, and real estate transactions work together. Her approach is rooted in education, transparency, and helping clients make informed decisions to properly protect their homes, families, and financial future.
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Michelle is passionate about making insurance easier to understand and believes protecting what matters most should never feel overwhelming or impersonal.
(530) 672-1979​
5170 Golden Foothill Pkwy
​El Dorado Hills, CA 95762
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