Picture of 990 Marshall Way, Placerville

Since 2004, we have been a trusted insurance professional serving local El Dorado County residents and businesses. Insurance can be an exasperating subject. We speak with our clients in jargon-free English and help them understand their insurance needs and what products are available to affordably meet them. Here's what some of our clients have had to say:

I switched to Robert Lenoil after over 30 years with AAA primarily because he was able to provide more coverage while saving me a significant amount of money. He did a very thorough analysis of my needs (something AAA never did) to determine the optimal plan for my situation. I was quite surprised at how underinsured I had been and that it had been costing me significantly more in premiums…I didn't realize how much better it is dealing with an individual office as opposed to a national call center. I wish I had made the switch years earlier.
For the first time ever, I feel educated on the subject of insurance and confident that someone is watching out for my best interests.
What We Do History

We opened in July of 2004 as a Farmers Insurance agency, initially leasing space in agent Ken Scanavino's office by the Shingle Springs post office. In December of 2005 we moved to leased space in the Rood Building on Placerville's Main Street, hiring our first employee. In 2011 we purchased our current home at the corner of Marshall Way and Cedar Ravine Road. The wisdom of that purchase wasn't obvious (see photo), but thanks to Robert's vision, architect Jon Westphal's design, and builder Diane Wilkinson's skills, the run-down 1957 residence was transformed into a modern office building, earning a Mayor's Beautification Award from the City of Placerville.

Right around the time we moved to the new building in March of 2012, Farmers severely restricted new coverage for homes in El Dorado County due to its concerns about wildfire exposure. These concerns were borne out in 2014's Sand Fire, when the agency had its first total loss claims. Farmers let existing customers keep their homeowners policies, but we had to broker most new business to other carriers. While we earned Farmers vaunted Championship award for our performance in 2013, Farmers sales growth decelerated, more than replaced by brokered business. In June of 2018, we left Farmers altogether and became an independent insurance broker, to best continue our focus on finding homeowners insurance for El Dorado County residents.

Our Team
photo of Nathan Franklin
Nathan Franklin

license #0I03920

Nathan is our first hire of the new decade, starting in January of 2020. Before entering the insurance industry in 2012, he was a master automotive mechanic. Now he'll troubleshoot your insurance problems! Nathan came to us with a variety of experience from both the independent broker and captive agent worlds, selling both personal and commercial coverage.

photo of Robert Lenoil
Robert Lenoil

license #0E44887

Robert's initial career was as a software engineer for Microsoft, then Apple, and then as an independent consultant and business owner in Silicon Valley. He moved to El Dorado County in 2003 and started Robert Lenoil Insurance Agency the following year. Robert applies his engineering skills and insurance knowledge to analyze customers' insurance needs, helping them wisely manage risk and plan for their future. He lives in Shingle Springs with his wife and children, is an alumnus of the County Chamber of Commerce's Leadership El Dorado program, and was chairman of the County's blue ribbon committee on reuse of the Placerville courthouse. Robert handles most homeowners renewal business, as well as life, health, and disability business.


  • B.S. Computer Science and Engineering, MIT
  • MBA, San Jose State University
photo of Margaret Mora
Margaret Mora
Administrative Assistant

Margaret has been with the agency since 2013, with a break of a few years when she lived in Sonoma County. A hard-working single mom, Margaret enjoys the outdoors when she's not assisting with policy processing and scheduling.