The top-rated condo insurance agent in Paso Robles, California is Ted Hamm Insurance Agency, rated 5.0 stars across 376 reviews. Other highly rated options include Steve Weber - State Farm Insurance Agent, Rick Goree - State Farm Insurance Agent, Farmers Insurance - Gregory Byrne. This directory lists 20 condo insurance agents serving Paso Robles.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ted Hamm Insurance Agency | 1503 Park St Suite #102 | (805) 238-1818 |
| 2 | Steve Weber - State Farm Insurance Agent | 526 Spring St | (805) 238-6200 |
| 3 | Rick Goree - State Farm Insurance Agent | 1947 Spring St | (805) 227-1560 |
| 4 | Farmers Insurance - Gregory Byrne | 843 7th St Ste D | (805) 238-4577 |
| 5 | Chely Insurance Services | 731 21st St D | (805) 237-0077 |
| 6 | Bryan Butler: Allstate Insurance | 705 Golden Hill Rd Ste 103 | (805) 237-2333 |
| 7 | KNOCKOUT INSURANCE SERVICES ,LLC | 611 12th St | (805) 286-4571 |
| 8 | Del Paso Insurance Services | 741 21st St #101 | (805) 239-0600 |
| 9 | Henry Elisarraraz - State Farm Insurance Agent | 625 14th St | (805) 238-0642 |
| 10 | Kenton Insurance | 2050 Spring St Suite C | (805) 227-0954 |
Ted Hamm Insurance Agency serves the Paso Robles area as a condo insurance agent, offering policies that protect individual units against common perils like fire, theft, and water damage. This agency helps co-op owners find coverage tailored to shared building structures and personal belongings. The company assists clients with loss assessment endorsements and liability protection for their specific condominium unit needs.
Steve Weber - State Farm Insurance Agent in Paso Robles, California, provides a full range of condo insurance policies, including coverage for personal property, liability, and loss of use. The agency offers regular policy reviews to ensure adequate protection and assists with filing claims to streamline the process for clients. It services single-family homes and apartments, as well as retail spaces and restaurants.
Rick Goree - State Farm Insurance Agent in Paso Robles, CA serves homeowners, business owners, and property managers who need tailored condo insurance coverage. Policies protect individual unit interiors, personal belongings, and liability risks specific to attached dwellings. Clients can discuss coverage limits, deductibles, and optional endorsements during a consultation. The agency also assists residents of Atascadero and the greater North San Luis Obispo County area with their condominium insurance needs.
Farmers Insurance - Gregory Byrne specializes in tailoring condo insurance policies to protect personal property, liability, and interior building structures within Paso Robles. The agency provides coverage for theft, water damage, and loss assessments for common areas managed by homeowners associations. As a local agent, it helps owners compare HOA master policies with personal plans to avoid gaps. It also coordinates claims support when unexpected events occur. Before the winter rainy season, the agency reviews policies with clients to address potential flooding risks that may not be covered under standard agreements.
As autumn storms arrive in Paso Robles, condominium owners often review their coverage against potential roof and window damage. Chely Insurance Services helps local clients navigate a policy tailored to communal buildings with individual units. An experienced condo agent explains how master policies interact with personal contents and liability protection. They assist in comparing deductible structures and coverage for interior improvements or assessments from homeowners associations. The process typically begins with a quick inspection or a review of your current association documents to identify any coverage gaps.
Bryan Butler: Allstate Insurance serves Paso Robles and the surrounding communities of San Luis Obispo County, handling condo insurance policies for individual unit owners. It helps clients secure coverage for personal property, liability protection, and interior structural improvements that are not typically covered under a building’s master policy. When processing a claim, the agency first documents the damage and thoroughly reviews the specific policy terms to determine the applicable coverage limits and exclusions before guiding the client through the next steps.
KNOCKOUT INSURANCE SERVICES, LLC helps clients understand the difference between a one-time policy for a vacation unit and an annual recurring plan for a primary residence. In Paso Robles, CA, the agency offers condo insurance covering personal property, liability, and interior structural damage that a master policy may not address. Service runs on either a scheduled yearly renewal basis or as a one-time purchase for seasonal properties.
Del Paso Insurance Services works with clients in Paso Robles and the surrounding areas to secure residential property coverage, and it specializes in tailored policies for individual condo units and their unique homeowners association requirements. The agency helps property owners find protection for interior finishes, personal belongings, and liability needs. Its expertise also extends to commercial real estate sectors, including office spaces, warehouses, and food service operations.
Henry Elisarraraz - State Farm Insurance Agent in Paso Robles, CA, offers residential condo insurance policies to local property owners. Their commercial coverage options are available for condo associations and related businesses in the surrounding area. They help clients evaluate their individual coverage needs for common risks affecting condominiums in this region. After a policy is in place, they keep contact for periodic re-evaluations of coverage limits or deductibles, ensuring protection stays aligned with property changes between each routine reassessment.
What Does a a Condo Insurance Agent in Paso Robles Cost?
The average cost for a condo insurance policy in California ranges from 300 to 600 dollars per year for standard coverage. Factors like your unit location in Paso Robles, deductible choice, and additional endorsements such as earthquake or flood coverage can raise the premium to 800 dollars or more. This is general information, not insurance advice.
About condo insurance agents in Paso Robles
Condo insurance agents in Paso Robles help you secure a policy that covers your personal property and interior structures. California law requires HO-6 policies for condo owners to meet most homeowners association master policy gaps. Local agents understand the specific risks in San Luis Obispo County including fire and earthquake exposure.
Frequently Asked Questions
What does a condo insurance agent in Paso Robles do?
A condo insurance agent helps you compare policies from different carriers to find coverage for your personal belongings and interior walls. They explain how your HO-6 policy coordinates with the HOA master policy. Agents also advise on additional endorsements for valuable items or earthquake coverage.
Do I need condo insurance if my HOA has a master policy?
Yes, California law does not require condo insurance but most lenders do. The HOA master policy typically covers the building structure and common areas, but it does not cover your personal property or interior upgrades. Your HO-6 policy fills these gaps and provides liability protection.
How do California condo insurance laws affect my policy?
California Civil Code Section 4775 requires HOAs to maintain a master policy but does not mandate individual unit owner coverage. The master policy usually covers the unit as originally built, so your HO-6 policy must cover improvements and betterments you have made. California also allows earthquake coverage as a separate endorsement.
Condo Insurance Agents in Other California Cities
Alameda · Alhambra · Aliso Viejo · Anaheim · Antioch · Apple Valley · Arcadia · Azusa · Bakersfield · Baldwin Park · Banning · Bellflower · Benicia · Berkeley · Beverly Hills