Our Team

Meet your local insurance experts.

Outstanding service starts with an outstanding team. Meet the professionals behind Pacific Crest Insurance – Coeur d’Alene.


Stephanie Nelson – Owner / Agent

Stephanie Nelson, owner and agent literally grew up in the insurance business as the daughter of an independent agent in the Seattle area. Bringing 28 years of agency experience to Pacific Crest Insurance in Coeur d’Alene, Idaho, Stephanie is fully knowledgeable in consumer and business insurance lines and how it affects those living in North Idaho. Her expertise extends to all lines of insurance products as well. She loves helping people launch and grow their businesses and hearing how our staff have become our clients’ trusted advisors. Stephanie lives with her husband, Bob in Hayden where they enjoy many outdoor activities, the favorite being boat camping on Lake Pend Oreille. They also enjoy going to Priest Lake, exploring the St Joe River from the southern part of Lake Coeur d’Alene, and have been known to trek all the way to St. Maries. She has called the Coeur d’Alene area home since 1995 when she and Bob came here for ministry and never wanted to leave. She is mother to 3 grown children and grandmother to six grandchildren. She is involved in many leadership roles in her local church and is president of North Idaho Association of Health Underwriters (NAHU). She was awarded “Member of the Year” by NAHU in 2018.


Kathy McDowell – Independent Agent

Kathy McDowell, an independent agent at Pacific Crest Insurance Coeur d’Alene has 29 years’ experience in property casualty insurance. Kathy was awarded the accredited customer service representative designation (ACSR) by the Independent Insurance Agents and Brokers of America Inc. Kathy was born and raised in Coeur d’Alene/Post Falls area. She lives with her husband, Mike in Coeur d’Alene where they enjoy rafting, camping, hiking, and biking. They also love adventure and travel in the Northwest and abroad. They have taken rafting trips in South America as well as more locally. They spend time every summer on the St. Joe River at a family cabin. They have 2 grown children and four beautiful granddaughters. Kathy volunteers at the soup kitchen at St Pius Church and with Panhandle Kiwanis Club. In 2017 she was awarded Panhandle Kiwanis Kiwanian of the Year.


Rick Croyle – Insurance Advisor / Strat Ops

Rick Croyle has been at Pacific Crest Insurance since February 2018 as Insurance Advisor and Strat Op Champion. He truly enjoys being able to help people find the right insurance coverage for their needs at a great price. He loves being a part of a team that is all about taking care of and serving our clients. Rick grew up in the Pacific Northwest and California. His family moved to the area when he was in junior high. He currently lives in Coeur d’Alene with his wife and 2 teenage sons. His grown daughter also lives in the area. They enjoy boating on Lake Coeur d’Alene and driving to Sandpoint for dinner once in a while. Rick was in the Marine Corps for four years and has been on mission trips to Haiti, Honduras and Mexico. He was also in charge of building the Lake City Community food bank. Rick’s secret talent is building WordPress websites. He volunteers as an usher, greeter, and growth track leader at his local church in Liberty Lake.


Silas Dobbs – Customer Service Representative

Silas Dobbs is one of our newest team members. We brought him on a few months ago as our Customer Service Representative. He has been in insurance for a year and half prior to this job. Silas grew up in San Diego CA where one of his jobs was a Valet in La Jolla. During that time, he met many celebrities and drove some of the fastest, nicest, most expensive cars in the world. He currently lives in Athol with his wife and 2 children. They moved here eight years ago because it was great place to raise a family and to be closer to his wife’s family. He enjoys singing and doing karaoke and is part of the worship team at his church. He enjoys the outdoors and especially anything involving water. He likes to fish, hike, camp, hunt, take road trips, spend time with family, loves visit new places and enjoys new experiences.


Jenny Secrest – Administrative Assistant

Jenny Secrest, Administrative Assistant, has been at Pacific Crest Insurance for only a few months. She finds joy in being able to help the agents be more organized and efficient and working with a team of people who really care about what is best for their clients. Jenny lives in Post Falls with her husband Dustin and their 2 boys, Caleb and Ezra. They enjoy taking bike rides, hiking, watching the boys play basketball, and having family movie nights at home. She and her family just moved to Idaho a little over a year ago from the Seattle area. Prior to living in WA Jenny has served with Youth With A Mission in Montana for approx 10 years where she had the opportunity to lead mission teams overseas to South Africa, India, Thailand, and Namibia. She and Dustin met in Youth With A Mission and served together for 6 of those 10 years. Jenny has a hidden talent of building a really good fire (either campfire or in a wood stove). Jenny also volunteers at her boy’s school.


Bob Nelson – Owner / Agent

Bob Nelson has been with Pacific Crest Insurance for 3 years specializing in small business group health insurance, life insurance, and disability. He is passionate about helping small business owners navigate the ever-changing Health Care environment. Bob grew up in the Seattle area and moved to this area in 1995. He lives with his wife Stephanie in Hayden. They have 3 grown children and six grandchildren. He is still working on memorizing all their birthdays. He has a masters degree from Western Evangelical Seminary. They enjoy boating and fishing primarily in Idaho and are starting to explore more of Montana. He is a risk taker and will try anything once. For example, he has flown a hang glider, caught a shark while salmon fishing, climbed a mountain and has traveled to Canada to teach Native Americans how to fish so they could be guides. He currently volunteers at Lake City Church and is also the Legislative Chair for North Idaho Association of Health Underwriters helping to solve health care issues, locally and at the state and Federal level.


Emily Ponczoch – Social Media Coordinator

Photo of Emily P.Emily Ponczoch our Social Media Coordinator has been with Pacific Crest Insurance for 3 years. She loves knowing that our posts are relevant and helpful to our clients in their every day lives. She enjoys being part of a team that truly cares about serving people. Emily grew up in Othello WA and currently lives in Hayden with her husband Levi and their little girl. They first came to the area to finish their schooling where Emily earned a Bachelor’s Degree in Psychology from Whitworth University. Emily and Levi have been married for 11 years. Emily enjoys outdoor activities including hiking, biking, and running in the CDA Sandpoint and Liberty Lake areas. Emily serves middle school students at Lake City Church.


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