State Farm® Insurance Agent Cheryl Kim

"First Insurance Co. of HI. just got too expensive. Our Homeowner's insurance increased $300-$600 annually. I did not understand why. When I spoke to the (broker) GEICO agent, they got me something cheaper with another insurance company, but I could not make the payment in time. Since I didn't meet the deadline, the premium went up. After a month of dealing with GEICO I decided to go with someone local, right here in Kamuela, my hometown. I was tired of dealing with the impersonal, non-compassionate sales people at GEICO and a call center in who knows where!? The State Farm agent who helped us in Kamuela was Chris Simmons. To speak with someone on the same island who wanted to meet with us in person was such a relief! Chris answered my questions about a homeowner's policy- What is a Dwelling Extension? What is a deductible? Once the value of the home was established, he helped me understand the amount of coverage I should have in case the home were destroyed. Finally, he helped us save money by covering our automobiles, too. I am very thankful that there's a State Farm office in Kamuela and that the agent, Chris, took the time to meet with us and answer our questions. It feels like they have my back in case something goes wrong. Mahalo!"

"Kiley Nakamura is professional, kind and very helpful!"

"My wife and I recently retired and moved from California to South Kohala. I initially tried to find insurance for our condominium unit through direct dealings with well-known national carriers we recently used in California. It quickly became apparent that the national carriers had not committed to serving the islands as they do on the mainland. For instance, their centralized agent call centers were often unavailable because of the time differences, and we had a difficult time linking up with local representatives that seemed to take calls on a rotating basis. Even more importantly, their policies did not meet our HOA’s requirements; so, we had to look elsewhere. When we asked for our property manager’s input, he advised that most of our neighbors work with Cheryl Kim’s State Farm agency in Waimea. That was good news to me because I previously had excellent auto and homeowner policy relationships with State Farm via a few of its local agents in California. Contrary to the national “call center” carriers, I easily found Cheryl Kim’s web page which described her office’s experience, expertise, products and attitude toward our community. We appreciated that we had complete and clear contact information and knew we would receive personalized attention. Communications with Cheryl Kim’s office were reliable and efficient. My initial contact was with Robert Ragasa who listened carefully, assessed our needs and suggested appropriate policies at competitive rates. Having a designated local agency made all the difference. We now know that Cheryl and Robert will be available in real time, know us personally and give us sound advice in a timely way. As our comfort levels increased, we asked Cheryl and Robert to take over our automobile and even Medicare supplement plans (which I was surprised State Farm makes available). This is an unbiased and independent review. I merely hope anyone navigating the personal insurance market - especially those new to the islands - finds this review helpful."

"Great people handled everything I needed concise and professional"

"We recently relocated from the mainland and needed to obtain all new insurance policies. Robert assisted us with homeowners, auto and Medicare Supplement policies. He is wonderful to work with, very responsive and knowledgeable. We’re very happy with the support we’ve received from this State Farm agency and from Robert, in particular."

"The team is professional and courteous. Kiley is on the ball, called me before my vehicles arrived and got me very competitive insurance rated on our vehicles and condos. Extremely responsive via email text and phone. Highly recommend Kiley and this agency."

"Kiley is my insurance lady, always helpful and easy to get along with. When I call and she isn’t at her desk, others members of the office are very accommodating and want to be helpful for what ever I called about. I feel like this office works like very efficient team."

"Our insurance agent, Kiley Nakamura, is always very friendly and accommodating. She is also very knowledgeable of our policies and always go the extra mile to ensure our coverage is complete."

"State Farm has been fantastic, especially thanks to Kiley. She has been incredibly helpful, whether it’s securing home insurance or making updates to my policies. Kiley is prompt in returning calls and emails, and her friendly demeanor makes the whole experience enjoyable."

"Awesome service received from Kiley. Aways professional and efficient; and always with aloha. Goes above and beyond to fulfill my requests and answer any questions."

"Robert Ragasa took Excellent care of all our insurance needs! He is one of the best agents we have ever worked with. We appreciate his efficiency, professionalism, knowledge and dedication. Mahalo!"

"Kiley at State Farm is a fantastic agent!!❤️❤️. She is pleasant always smiling and always looking out for our interests. She goes the extra mile. State Farm is always great in handling whatever problems we have."

"I’ve been with State Farm for several years now, and I couldn't be happier with my experience. From the moment I signed up, the customer service from Kiley N. has been top-notch. She took the time to explain all my options in detail, helping me choose the best life insurance policy for my needs. The whole process felt personalized, and I never felt rushed or confused. Overall, State Farm has provided peace of mind, knowing I have solid coverage with a company I can rely on. Highly recommend!"

"I couldn’t be happier with the exceptional service provided by Cheryl Kim and Kiley Nakamura and the team at State Farm. From the moment I walked in, they were professional, friendly, and incredibly knowledgeable about the various insurance options. They took the time to understand my needs and explained everything in a way that was easy to follow, ensuring I had the right coverage for my home, car, and life insurance. Anytime I’ve had a question or needed assistance, their response has been prompt and helpful. It’s clear that they truly care about their customers and go above and beyond to provide peace of mind. I highly recommend Cheryl Kim, Kiley Nakamura and the State Farm team for anyone looking for reliable and personalized insurance services!"

"My family and I have been with Cheryl Kim and her team for over ten years now, and we couldn’t be happier with the service we have received. We enjoy working with Kiley - who is incredibly knowledgeable, always taking the time to answer our questions and find the best coverage options for our needs. She makes the whole insurance process simple and stress-free. Highly recommend Cheryl and her team at State Farm to anyone looking for reliable coverage and excellent customer service!"

"Cheryl and her team are the best! They respond quickly and are always looking out for your best interest. Their service is top notch!"

"Exceptional Service and Expertise – Highly Recommend Cheryl Kim and Her Team at State Farm! I can't say enough good things about Cheryl Kim and her outstanding team at State Farm Insurance. From the moment I reached out for help with both my auto and mortgage insurance needs, Cheryl and her staff have been nothing short of amazing. They took the time to really understand my coverage requirements, explain my options clearly, and make sure I was getting the best rates without compromising on coverage. They made a typically complex process feel effortless, and I truly appreciated their patience and professionalism every step of the way. Her team is equally incredible especially Kiley Pomai Nakamura. They are responsive, knowledgeable, and always willing to go the extra mile to answer my questions or provide assistance. Whether it was reviewing policy details or explaining the fine print, I always felt supported and well-informed. If you're looking for insurance that you can trust, with a team that genuinely cares about your needs, I highly recommend Cheryl Kim and her team at State Farm. They’ve made what could have been a stressful experience easy and even enjoyable! Thank you again for your exceptional service – you’ve earned a loyal customer for life!"

"They are a terrible company to do business with. They got me to cancel my home owners insurance policy with dongbu and then they denied us a policy to cover our house based on the color(no difference from when we bought it) of our roof. After I purchased auto insurance and business insurance from them. UNBELIEVABLE"

"We all need to have insurance for everything these days . So important to understand ones liability and risk and get the best advice on what coverage is suitable . Hands down all the agents at Cheryl Kim Waimea agency are the best . They add a personable touch to the insurance experience .They are knowledgable and will do the research to find the most current information . In terms of State Farm as a whole , they are a bit more expensive but rest assured they have a large surplus to buffer in the event of multiple substantial pay-outs . You want to know that if a state wide catastrophe were to occur , the agency will not pull out of state . Most important these days . Look no further for the best insurance and the best agents ."

"We have been at State Farm for more than 10 years and have had excellent service throughout! Our agent, Jackie Rasay, is the best and I highly recommend her if you are looking for an agent with State Farm. She is very knowledgeable and will set you up with exactly what you need."

"Staff is always friendly and helpful. They are all very knowledgeable and quick to respond."

"My experience with my State Farm agent, Cheryl Kim, for homeowners, car, and life insurance is excellent. She always shows professionalism and spends the time needed to explain every detail of my coverages. She is always available when I need help as she returns my calls promptly. I highly recommend her for anyone seeking reliable coverage for you and your family."

"I have been with this branch for over 12 years personally and use them for all my personal and business insurance needs. Staff has always been courteous, prompt, and reliable."

"Had the misfortune of one of this agency's auto policy customers backing into our car in a parking lot fender bender. The sort of incident that most insurance companies quickly settle. Not State Farm. Their Arizona claim center has been evasive and totally unhelpful. After many calls to both their claim center and the agent, they finally assigned a real claims agent and mostly accepted liability still leaving us stuck with several hundred dollars out of pocket costs. This is not the first bad experience I've had with State Farm claim handling. If you purchase a State Farm policy and are liable in an accident, be aware that their approach to claims management will enrage the other party and greatly increase your risk of being sued. I don't know if they are any better at settling claims from their own policy holders or not."

"Robert was very helpful, explained the policy well, and suggested added insurance that was very important which no other agent has ever recommended. I highly recommend Robert as your insurance agent."