Our deep understanding of Lincoln County and the surrounding areas means we can offer insurance solutions tailored to your specific needs. Whether you're safeguarding your family's future, protecting your assets, or ensuring your business thrives, Charlotte and her dedicated team are here to guide you every step of the way.

• Deep Local Roots: With years of experience in Lincoln County, we have an unparalleled understanding of the local insurance landscape. • Personalized Service: We take the time to get to know you, ensuring you get the right coverage for your unique situation . • Community-Centric: We're not just in the business of insurance; we're in the business of building lasting relationships with our community.

Behind every policy we craft and every client we serve is a team of dedicated insurance specialists. With years of experience and a deep understanding of the industry, our experts are the backbone of our agency. They're not just well-versed in insurance; they're passionate about ensuring that each client feels secure, understood, and valued. Get to know the faces and expertise that stand behind our promise of unparalleled service and commitment. Welcome to the heart of our agency – where every expert is dedicated to your peace of mind.

Jodi's roots run deep in the Pacific Northwest. Originally from Omak, Washington, Jodi began an adventure with her beloved husband and two children relocating to the coast in 2017. Like many of us, Jodi's home is a busy place with grown kids, three dogs and a cat. She lives in the country, so her spare time is spent enjoying the gorgeous views and the abundance of wildlife with her family. She loves to read and garden and care for their 3 adopted rescue puppies. She began her insurance career in 2019 working in Newport at an insurance agency and now is happily working for Charlotte and Farmers in Lincoln City. She is licensed in Property and Casualty and works hard to help her neighbors and community members with all the many insurance needs. Since coming to work for Charlotte, she has broadened her knowledge base with Healthcare. Her expertise in The Insurance Store helps people find what they need with their health insurance plan and Medicare. She is an active part of the community and one of your Friends in the insurance agency.

Raisa Rodriguez is an Oregon and Washington licensed agent in Property, Casualty and Life Insurance. She was born in Pasco, Washington and raised on the Oregon coast for the majority of her life with family. Raisa loves to spend quality time with her family, go on hikes and takes walks on the beach with her bully-pit Canelo. Raisa is a rising star in the insurance industry. She is highly proficient at writing auto, home, umbrella, specialty, and commercial policies. She is also very good at pivoting for the customers needs and working with many carriers to get the best option for her clients. Raisa is bilingual in Spanish and English and strives to help more clients understand their insurance. Call Raisa today for a quote! She would be happy to help you with all your insurance needs from Auto, Home, Umbrella and Specialty to Commercial and Life.

Moria Belsey is originally from the mountains in Colorado and has a background in Science, Environmental Studies and Wholistic Health. She now lives in Cloverdale, OR with her husband and two young kids and loves the Pacific North West. She and her Husband have deep roots in Pacific City, and are very involved in the community of South Tillamook County. Moria became an insurance agent to help people and to put her scientific mind to work. Insurance can be daunting and overwhelming for the client and Moria enjoys making things easier and more understandable for people with all types of insurance. At heart she is a loving and understanding person. She has been a business owner for the last 18 years and she understands the business owner mentality and how important it is to get things right. She is also a mother, a wife and a homeowner and understands how important it is to protect assets and plan for the future. Moria is an excellent Property and Casualty agent for Auto, Home, Umbrella and Flood insurance. She specializes in Commercial and Life insurance and enjoys offering quality insurance and customizing the policy to fit the specific needs of the client. She speaks some Spanish as well, come in and get a quote or an insurance consult from her today!

At Charlotte Lehto Insurance Agency, we're more than just insurance agents – we're your neighbors, your friends, and your community partners. Nestled in the heart of Lincoln County, Oregon, our team is deeply rooted in the community we serve. We understand the unique needs of our fellow residents because we live here, work here, and play here, just like you.