Serving San Diego and Temecula since 1989


Welcome to Ghio Insurance Agency

We always put your needs first!

Our Services:

  • Personalized Service
  • Honest Assessments
  • Understanding
  • Customer Service and Support
  • Keeping Your Coverage Competitive
  • We help you apply for California Pre-existing Condition Insurance Plan (PCIP)

What our clients say about us

As the owner of a large corporation, it is extremely difficult to find affordable insurance for my employees. The process is complicated and we don’t have the time or expertise to evaluate health insurance plans. Nancy Ghio does! She worked with our specific needs to find affordable plans that were acceptable to me and our staff. Thank you!

Bill H.

San Diego

I was so frustrated searching the internet for good health insurance coverage for my family. I was referred to Nancy Ghio by a friend 6 years ago and am so grateful for all her service and knowledge.

Thomas M.

San Diego

I called Ghio Insurance Agency and spoke to Nancy. She was professional and knowledgeable. She treats everybody like family.

Theresa P.


Get to Know Our Team

Ghio Insurance Agency - Nancy Ghio

Nancy Ghio

Insurance Specialist, Owner/Broker

I am licensed in Life and Health CDI# 0C49919. I started my insurance career in the early 80’s working for various insurance companies in the Ventura County area. I established a strong service background and enjoyed helping clients.

I moved to San Diego in the early 90’s and established my own health insurance agency.

I am a member of NAHU along with our local chapter of SDAHU. I am active with the Make a Wish program and local Alzheimer/Lewy Body Dementia research. I like many outdoor activities including hiking, running and fishing. I love to RV and am in the process of attempting to see every National Park in the US. I have 2 rescue dogs that complete my family circle: Molly is an Aussie mix, Heidi is a Dutch Shepherd.

Ghio Insurance Agency - Gina Flores

Gina Flores

Individual and Family Plans/Small Group Specialist, CEO

I am licensed in LIfe and Health CDI# 0K79327. I first began with Ghio Insurance Agency in 2015. After graduating from San Francisco State University with a degree in biology (concentration in zoology), I decided to change career paths to work with Nancy at the agency. I oversee all the Individual Family Plans, as well as all of the Small Group accounts in the office. In my free time, I enjoy spending time outdoors with my husband, Miguel, and our two German Shorthaired Pointers, Copper and Maple. I am an avid equestrian, and if you cannot find me at the office, I will most likely be at the barn! I enjoy competing with our two horses in Eventing all over the Southern California area.

Ghio Insurance Agency - Kyla Eaton

Kyla Eaton

Insurance Specialist

I am licensed in LIfe and Health CDI# 4231877. I am the office assistant at Ghio Insurance Agency, and help with all in-house accounts. Born and raised in San Diego, I moved back after graduating Cum Laude with a Bachelor of Arts from Gonzaga University. I began working with Nancy and Gina in late 2016 and am here to happily assist in whatever they need me to! I enjoy exploring the city, movies, food, concerts, reading, and most importantly, television binging.

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