ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeCondo Insurance AgentsCalifornia › San Luis Obispo

Find Condo Insurance Agents Near You in San Luis Obispo, CA

Browse condo insurance agents serving San Luis Obispo, California. Updated 2026-07-14.

The top-rated condo insurance agent in San Luis Obispo, California is AAA San Luis Obispo Insurance and Member Services, rated 4.4 stars across 344 reviews. Other highly rated options include Mike Smith - State Farm Insurance Agent, Susan Rodriguez - State Farm Insurance Agent, Farmers Insurance - Jennifer White. This directory lists 20 condo insurance agents serving San Luis Obispo.

Showing 20 condo insurance agents in San Luis Obispo, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1AAA San Luis Obispo Insurance and Member Services1445 Calle Joaquin(805) 543-6454
2Mike Smith - State Farm Insurance Agent1608 Johnson Ave(805) 546-8393
3Susan Rodriguez - State Farm Insurance Agent799 Foothill Blvd D(805) 783-7050
4Farmers Insurance - Jennifer White1228 Broad St(805) 548-8530
5Orange Auto Insurance2146 Parker St Suite A2(805) 439-3999
6Todd Thomas - State Farm Insurance Agent1238 Marsh St(805) 543-0650
7Marc Amesse - State Farm Insurance Agent2251 Broad St A(805) 543-0889
8Polk Insurance Agency1443 Marsh St(805) 544-6454
9SLO Insurance Services1494 Mill St(805) 543-7564
10Minton Insurance1042 Pacific St # E(805) 546-8113
AS
1445 Calle Joaquin
AAA San Luis Obispo Insurance and Member Services
Condo Insurance Agent · San Luis Obispo, CA

AAA San Luis Obispo Insurance and Member Services serves the San Luis Obispo area with a focus on condo insurance. The agency helps condominium owners obtain protection for their individual units and personal belongings. Policies commonly address interior structures, personal liability, and loss assessments from the homeowners association. Agents guide clients through coverage choices suited to local housing styles. The company specifically handles coverage for interior fixtures and personal property within condo units.

MS
1608 Johnson Ave
Mike Smith - State Farm Insurance Agent
Condo Insurance Agent · San Luis Obispo, CA

Mike Smith - State Farm Insurance Agent in San Luis Obispo, California, offers a full range of condo insurance services for local homeowners, including policies for individual units and shared building coverage. Its service plans help clients evaluate personal property protection, liability limits, and loss assessment coverage to match HOA requirements. The agency assists with policy reviews and claims guidance to ensure each client’s needs are met. It services single-family homes, apartments, retail spaces, and restaurants in the San Luis Obispo area.

SR
799 Foothill Blvd D
Susan Rodriguez - State Farm Insurance Agent
Condo Insurance Agent · San Luis Obispo, CA

Homeowners, landlords, and condo association board members in the San Luis Obispo area turn to Susan Rodriguez - State Farm Insurance Agent for their condo insurance needs. The agency helps clients secure policies that protect individual units and common areas from perils like fire, water damage, and liability claims. It also offers customizable coverage options for personal property and loss assessment fees. Service extends to nearby communities such as Arroyo Grande, ensuring property owners along the Central Coast can obtain tailored condo insurance.

FI
1228 Broad St
Farmers Insurance - Jennifer White
Condo Insurance Agent · San Luis Obispo, CA

Farmers Insurance - Jennifer White serves San Luis Obispo and the surrounding communities in San Luis Obispo County. It handles condo insurance policies designed to protect individual units and personal belongings within shared residential complexes. The agency works with local condo owners to understand the specific coverage gaps left by homeowners association master policies. It approaches a typical job by assessing unit-specific risks then tailoring a policy to match those needs while staying within the client’s budget preferences.

OA
2146 Parker St Suite A2
Orange Auto Insurance
Condo Insurance Agent · San Luis Obispo, CA

Orange Auto Insurance offers both one-time and scheduled service options for securing coverage in San Luis Obispo. A single policy purchase addresses immediate protection needs, while recurring service ensures ongoing coverage reviews as circumstances change. Their agents focus on personal property and liability coverage for condominium units in common interest developments. The company maintains awareness of local association master policies and homeowners’ unique protection gaps. Service runs on either a one-time or as-needed basis, allowing clients to choose the frequency of their interactions without obligation.

TT
1238 Marsh St
Todd Thomas - State Farm Insurance Agent
Condo Insurance Agent · San Luis Obispo, CA

Todd Thomas - State Farm Insurance Agent in San Luis Obispo, California, specializes in providing condo insurance policies that protect individual units and personal belongings. The agency helps condominium owners understand and fill coverage gaps left by master policies. General insurance services include bundling auto or renters policies for combined convenience. During the local fire season, it regularly assists clients in reviewing dwelling coverage limits to ensure adequate protection against wildfire-related losses.

MA
2251 Broad St A
Marc Amesse - State Farm Insurance Agent
Condo Insurance Agent · San Luis Obispo, CA

When autumn winds push flames toward the Central Coast, many condo owners in San Luis Obispo worry about policy gaps. Marc Amesse, as a local State Farm agent, addresses these concerns by explaining how master policies interact with individual unit coverage to protect personal belongings and interior upgrades. He helps residents understand loss assessment endorsements for shared building portions. Each consultation begins with a detailed review of current documents to identify missing protections before the renewal deadline.

PI
1443 Marsh St
Polk Insurance Agency
Condo Insurance Agent · San Luis Obispo, CA

Polk Insurance Agency works with condominium owners and associations in San Luis Obispo, California, to secure coverage that addresses the unique exposures of condo living. Their services typically include protection for interior structures, personal belongings, and liability risks through special condominium policies. They also assist with loss assessment coverage and additional endorsements tailored to the area’s seasonal weather patterns. This agency can help insure a range of commercial properties, including offices, warehouses, and food service establishments.

SI
1494 Mill St
SLO Insurance Services
Condo Insurance Agent · San Luis Obispo, CA

SLO Insurance Services in San Luis Obispo, California, provides residential condo insurance coverage tailored to individual unit owners and their personal property. The agency also offers commercial policies for condo associations and common areas throughout the San Luis Obispo region. Each policy is designed to address liability, loss assessments, and interior structural damage. Clients can contact the office between appointments for quick follow-up questions or to update coverage before their regular review visits.

MI
1042 Pacific St # E
Minton Insurance
Condo Insurance Agent · San Luis Obispo, CA
MI
2000 Broad St
McGee Insurance Agency
Condo Insurance Agent · San Luis Obispo, CA
(805) 543-8833
mcgeeinsurance.com
MG
1122 Laurel Ln
Morris & Garritano Insurance
Condo Insurance Agent · San Luis Obispo, CA
(805) 543-6887
morrisgarritano.com
GI
820 Walnut St Suite D
Goosehead Insurance -- Donaldson Agency
Condo Insurance Agent · San Luis Obispo, CA
(805) 242-4900
tinaldonaldson.com
RI
1236 Higuera St
Relation Insurance - Engle & Associates Group
Condo Insurance Agent · San Luis Obispo, CA
(805) 781-6336
engleinsurance.com
CA
3121 S Higuera St # I
Coast Auto Insurance Services, Inc.
Condo Insurance Agent · San Luis Obispo, CA
(805) 544-1990
coastautoinsurance.com
FI
355 Pacific St
Farmers Insurance - Trevor Moriarty
Condo Insurance Agent · San Luis Obispo, CA
(805) 544-8300
agents.farmers.com/ca/san-luis-obispo/trevor-moriarty
FI
11573 Los Osos Valley Rd f
Farmers Insurance - Joshua Wright
Condo Insurance Agent · San Luis Obispo, CA
(805) 541-3942
agents.farmers.com/ca/san-luis-obispo/joshua-wright
PG
2436 Broad St
Peterson and Grantham Insurance Brokers SLO
Condo Insurance Agent · San Luis Obispo, CA
(805) 544-9000
png-insurance.com
RL
1363 Marsh St suite a
R.L. Insurance Associates Inc.
Condo Insurance Agent · San Luis Obispo, CA
(805) 783-7130
rlassoc.com
AB
369 Marsh St #200
Adler Belmont Group, Inc.
Condo Insurance Agent · San Luis Obispo, CA
(805) 540-3900
adlerbelmontgroup.com

What Does a a Condo Insurance Agent in San Luis Obispo Cost?

Condo insurance in California generally ranges from 200 to 700 dollars per year for an HO-6 policy. In San Luis Obispo, average premiums are around 400 to 500 dollars annually. Costs depend on coverage limits, deductible amount, and the age of the building. Adding earthquake coverage can increase the premium by 100 to 300 dollars per year. This is general information and not insurance advice.

About condo insurance agents in San Luis Obispo

A condo insurance agent in San Luis Obispo helps you secure an HO-6 policy that covers your personal property and interior walls. California law requires condo associations to carry master policies, but owners need individual coverage for fixtures and liability. Local agents understand the unique risks of the Central Coast, including fire and earthquake exposure.

Frequently Asked Questions

What does a condo insurance agent in San Luis Obispo do?

A condo insurance agent helps you choose an HO-6 policy that covers personal property, interior improvements, and liability. They also explain how your policy coordinates with the condo association master policy. Agents can compare quotes from multiple insurers to find suitable coverage.

Is condo insurance required by law in California?

California law does not require individual condo insurance, but most lenders and condo associations require it. The California Civil Code allows associations to mandate that owners carry liability coverage. Without a policy, you may be personally responsible for damage to your unit.

How much does condo insurance cost in San Luis Obispo?

Condo insurance in San Luis Obispo typically costs between 300 and 600 dollars per year for standard coverage. Factors such as location, unit value, and deductible affect the premium. Earthquake and flood endorsements add extra cost.

Condo Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each condo insurance agent's credentials and current standing with your state Department of Insurance.