DCD Financial & Insurance Services
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Safeguarding the neighbors of Santa Cruz. DCD Financial and Insurance Services is your dedicated insurance agency, serving the community of Santa Cruz. As your local source for insurance services and solutions, our entire staff prides itself on offering personalized and responsive customer support to our customers throughout the Santa Cruz area.

At DCD Financial and Insurance Services, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.
Services
We provide superior professional service to select commercial and personal clients, with agency integrity as our cornerstone in all relationships. We are a multi-line independent insurance brokerage established in 1938. Our office location in Santa Cruz permits us to serve clients on the central coast as well as throughout California and the west.
Car insurance plans are designed to help cover potential car-related damages, loss, or injuries from a financial perspective. Maintaining proper insurance not only helps protect you and your vehicle in the case of accident, but it also serves to protect your passengers, other drivers, pedestrians, and property.
Use this FREE self-help tool to quickly shop for the best auto insurance rates available, right online. Unlike many other auto insurance websites you may have come across, DCD Financial & Insurance Services will NEVER sell your information. That means you get fast and accurate quotes without any hassle.
Being a business owner comes along with many responsibilities, and one of those important factors includes managing the many things that can go wrong within your company on a daily basis. Business insurance covers many different aspects a business would need coverage for. For example, business insurance can.
Your home is a very important investment, and our job is to help you protect it. With home insurance you can protect your home and your possessions inside of it. You've worked hard for what you have and it's very crucial to have the proper protection to safegaurd it. There are several options of what home insurance can cover on your property.
Reviews (8)
Liza Veglia
Liza Veglia
Jan 02, 2022
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Critical: Professionalism, Quality, Responsiveness, Value
This Agency sells plans they are unfamiliar with and when you call for assistance with a problem, they refer you to your PCP. The PCP is the problem as I explained and was told, "Feel free to change to Kaiser.'
Matthew Roe
Matthew Roe
May 16, 2021
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Immediately helpful, they have helped me get all set up with my bond and insurance coverage for my new business, clearly explained everything I need to understand
Chris Manson
Chris Manson
Jan 16, 2021
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100% Perfect Service and Support. Pam found the Best Policy for Me and Made it Easy! Call Her you won't be sorry!
David De La Rosa
David De La Rosa
Oct 01, 2019
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I was referred to Pam by my liability Insurance Broker because he said she was the best in Santa Cruz for Health Care Insurance. Since my decision, my medical costs have significantly dropped and I couldn't be happier. Pam and her staff are very professional and do an excellent job of implementing the policies immediately. Thanks for a job very well done.
Wendy Ballen
Wendy Ballen
Sep 11, 2019
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Pam and the folks at DCD have been helping me maneuver the ins and outs of the constantly changing health insurance plans over the past several years. I've always received top notch service and courteous assistance. I've been more than satisfied with DCD!
Jason Ruggles
Jason Ruggles
Aug 22, 2019
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Pam really helped me select the right health insurance for my needs and budget. She was very personable while also being extremely honest and no-nonsense, and took the time to chat and connect with me on a more personal level. That's huge for me when building trust with someone who is going to help me with such an important decision. I appreciated her advice immensely as we discussed a variety of health and dental scenarios and options. Would highly recommend.
Seth Baron
Seth Baron
Jul 03, 2019
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The nice people at DCD, were extremely helpful to myself and my friend with navigating the new health care issues. They knew exactly what was currently going on in that maze of hurdles and forms, and had clear access and explanations making it easier for us to understandand choose a plan. I was pleasantly surprised. Also, their staff was courteous and timely in responding to my questions. I definitely recommend them!
Maureen O'Connell
Maureen O'Connell
May 13, 2019
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Because my insurance company no longer served California, had to get new house insurance last year, and I wanted to bundle it with car insurance. DCD Financial and Insurance Services actually mad it a pleasant and easy experience. In addition to that, they saved me money. Can't recommend them highly enough. Dealing with Pam Hetrick was fun!