The top-rated condo insurance agent in Oxnard, California is Pacific Preferred Insurance, rated 5.0 stars across 10,581 reviews. Other highly rated options include Ray Gonzales - State Farm Insurance Agent, Charles Allison - State Farm Insurance Agent, Julio's Auto Insurance. This directory lists 20 condo insurance agents serving Oxnard.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Pacific Preferred Insurance | 2775 N Ventura Rd #110 | (805) 351-3851 |
| 2 | Ray Gonzales - State Farm Insurance Agent | 1701 Solar Dr Ste 251 | (805) 240-3100 |
| 3 | Charles Allison - State Farm Insurance Agent | 705 N Oxnard Blvd #101 | (805) 604-0900 |
| 4 | Julio's Auto Insurance | 505 S Oxnard Blvd | (805) 487-8610 |
| 5 | Veronica's Insurance Oxnard | 2816 Saviers Rd | (805) 491-9505 |
| 6 | Efrain Cazares - State Farm Insurance Agent | 4300 Tradewinds Dr #160 | (805) 205-8222 |
| 7 | Ceja Insurance Agency - Auto, Car & Home Insurance Agents | 1824 Saviers Rd Suite A | (805) 483-6840 |
| 8 | Onix Insurance Services | 609 S Oxnard Blvd | (805) 263-6981 |
| 9 | Torres & Associates | 2069 N Oxnard Blvd | (805) 983-2400 |
| 10 | Bucio Insurance | 1049 S Ventura Rd B | (805) 985-0351 |
Pacific Preferred Insurance serves Ventura County from its location in Oxnard, California, specializing in condo insurance agent services. This agency helps condominium owners secure tailored coverage that addresses the unique risks of shared building structures and common areas. They assist clients in understanding master policy gaps and coordinating personal property protection. Specific services include arranging loss assessment coverage and liability protection for unit interiors.
Ray Gonzales State Farm Insurance Agent in Oxnard, California offers a range of condo insurance services tailored to protect personal property and liability. Service and maintenance plans are available to help support policyholders through the claims process and answer coverage questions as they arise. The agency can also help review or update existing policies to meet changing needs. Its services are available for single-family homes, apartments, retail, and restaurants.
Based in Oxnard, Charles Allison - State Farm Insurance Agent serves Oxnard and the surrounding Ventura County communities. This agency handles condo insurance policies tailored to individual unit owners. A typical job begins with a consultation to assess the specific coverage gaps between the building’s master policy and the owner’s personal needs. It then uses comparative analysis of available policy options to build a plan that protects personal property, interior fixtures, and liability.
Condo owners in Oxnard, California turn to Julio's Auto Insurance when seeking coverage for their individual units within multi-family buildings. The agency also serves homeowners and property managers, helping them understand master policy gaps and personal property protection. A dedicated agent works to explain liability limits and loss assessment coverage specific to local associations. Juliet's provides tailored guidance for claims and common area exposures. It additionally serves clients throughout neighboring Ventura.
Veronica's Insurance Oxnard, based in Oxnard, CA, helps condo owners distinguish between one-time policy purchases for a single unit and recurring service options that maintain continuous annual coverage. The agency provides tailored coverage for interior fixtures, personal liability, and loss assessments within the local area. Such policies protect against common regional risks like water damage from older building systems. Services run on a scheduled basis, with annual renewals and as-needed adjustments for policy updates or claims support.
Efrain Cazares - State Farm Insurance Agent in Oxnard, CA, specializes in helping condo owners secure policies tailored to their individual unit and shared building liabilities. The agency handles general insurance needs including liability protection and coverage for personal belongings, which safeguards against loss from theft or accidental damage. During the fall season, it assists clients in reviewing their policies before winter rains begin, ensuring adequate roofing and plumbing protection for potential water intrusion events.
As Oxnard’s coastal weather shifts from summer fog to seasonal rain, Ceja Insurance Agency - Auto, Car & Home Insurance Agents helps local condo owners review their policy coverage against potential water and wind damage. This firm specializes in aligning personal condo policies with the building’s master insurance, ensuring gaps in interior protection are addressed. They also advise on liability coverage for shared common areas. A typical first step involves a policy inspection to verify current coverage limits and identify any needed endorsements for the unit.
Onix Insurance Services provides residential condo insurance assistance for property owners in and around Oxnard, California. The agency also addresses commercial coverage needs for local condominium associations or mixed-use buildings in the area. Their team helps clients understand common element liabilities and personal unit protection. They offer guidance on policy adjustments or renewals as circumstances evolve. Clients can follow up with the agency for periodic policy reviews between their regular scheduled visits to ensure ongoing coverage alignment.
Torres & Associates works with clients in Oxnard to help secure appropriate coverage for their condominium units, focusing on protecting personal property and interior structures that are not covered by the master policy. The agency is able to address unique needs such as loss assessment protection and liability coverage. Their services can be extended to cover commercial sectors including offices, warehouses, and food service operations.
Bucio Insurance is known for helping condo owners in Oxnard, California navigate the unique coverage needs of condominium living. It serves clients throughout the area by offering policies that protect personal property and interior structural improvements. The company works to fill gaps between a condo association's master policy and an individual unit owner's liability. A specialty service it can provide is adding flood insurance to these condo policies, a crucial supplement in the coastal Oxnard region.
What Does a a Condo Insurance Agent in Oxnard Cost?
Typical condo insurance premiums in California range from 300 to 700 dollars per year for a basic HO-6 policy. Factors like location in Oxnard, unit age, coverage limits, and deductible amount affect the price. Earthquake endorsement can add 100 to 300 dollars per year. This is general information, not insurance advice.
About condo insurance agents in Oxnard
A condo insurance agent in Oxnard helps you secure an HO-6 policy that covers your personal property and interior structures. California law requires condo associations to carry a master policy, but individual unit owners need their own coverage for improvements and liability. An agent can explain how SB 326 and SB 721 inspections may affect your insurance needs.
Frequently Asked Questions
What does a condo insurance agent in Oxnard do?
A condo insurance agent helps you compare HO-6 policies from different carriers. They explain coverage limits for personal property, loss assessment, and liability. They also ensure your policy meets California legal requirements for condominium owners.
Do I need condo insurance if my association has a master policy?
Yes. The master policy typically covers the building structure and common areas. Your HO-6 policy covers your personal belongings, interior fixtures, and liability for accidents inside your unit. California law does not require HO-6 coverage, but most lenders and associations do.
How does California law affect my condo insurance coverage?
California Civil Code Section 4775 requires associations to maintain a master policy. Your HO-6 policy should include loss assessment coverage for special assessments from the association. Also, earthquake coverage is not included in standard policies and must be added separately.
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