We help you find the lowest insurance rates

Get an insurance quote & see how much you can save.

RidgeGate Insurance

Since 1987 our firm has delivered insurance protection to the community, H.O.A. and C.O.A.. The early years as a "captive agent" with a large company, now we work extensively with property managers, developers and investment groups.

more info



Commercial Property Insurance covers first-party claims to real property you own. Whether it’s a fire, explosion or smoke -- if there are structural damage to the building, the repair costs ultimately fall on the building owner’s shoulders. Purchasing property insurance is only a way of transferring the cost over to an insurance company in exchange for a premium.

more info

Apartment Owners


Apartment owner insurance helps protect your property and your investment. At RidgeGate Insurance, we know your apartment is also a source of income, and we are committed to helping you find a policy that is best for you.

more info



Virtually everyone understands the importance of insuring property against natural disasters such as earthquakes. These devastating events have the potential to produce immense damage that exceeds many people’s imagination, preparation and insurance coverage.

more info


Get to know
more about us

Kevin Mugavero


Hard working individual striving to get the best policies and coverage for clients...

Learn More




HOA Worker's Comp

Every Community Association should have a Workers’ Compensation Policy - EMPLOYEES or NOT!

Learn More