The top-rated condo insurance agent in Camarillo, California is Ryan Charlon - State Farm Insurance Agent, rated 5.0 stars across 363 reviews. Other highly rated options include Charles Allison - State Farm Insurance Agent, Tom Logan - State Farm Insurance Agent, Decker Insurance Solutions, Inc. This directory lists 19 condo insurance agents serving Camarillo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ryan Charlon - State Farm Insurance Agent | 340 Rosewood Ave STE I | (805) 482-2735 |
| 2 | Charles Allison - State Farm Insurance Agent | 2401 Ventura Blvd | (805) 383-0907 |
| 3 | Tom Logan - State Farm Insurance Agent | 267 Village Commons Blvd suite 13 | (805) 484-0418 |
| 4 | Decker Insurance Solutions, Inc | 1203 Flynn Rd UNIT 170 | (805) 384-1645 |
| 5 | AAA Camarillo Insurance and Member Services | 2570 Las Posas Rd Suite B | (805) 389-3523 |
| 6 | Farmers Insurance - Dina Molina | 266 Mobil Ave Ste 106b | (805) 228-4469 |
| 7 | Insurance Incorporated - Camarillo | 360 Mobil Ave # 205B | (805) 738-7333 |
| 8 | Roger Lewis Insurance Service, Inc. | 5021 Verdugo Way #105-301 | (805) 777-8910 |
| 9 | All Ways Insurance Services Inc. | 350 N Lantana St Ste 204 | (877) 218-8833 |
| 10 | Kerry Rafferty - State Farm Insurance Agent | 456 Arneill Rd | (805) 484-1041 |
Ryan Charlon - State Farm Insurance Agent serves the Camarillo, California area with condo insurance solutions. This agency helps local condo owners protect their individual units and personal belongings from common risks such as theft, fire, or water damage. Policy options may also cover liability for accidents occurring inside the unit. The agency focuses on tailoring coverage to meet the specific needs of condominium associations and individual unit owners. It handles master policy gap coverage and loss assessment coverage for shared building areas.
Charles Allison - State Farm Insurance Agent serves the greater Camarillo, California area, offering a range of property insurance solutions. As a local condo insurance agent, the company helps owners protect their individual units with policies that cover interior structures and personal belongings. Clients can also address liability concerns through supplemental coverage options. The agent regularly assists with loss assessment coverage and upgrades for custom interior finishes.
Tom Logan - State Farm Insurance Agent provides a full range of condo insurance services for property owners in Camarillo, California. The agency assists with customizing coverage plans that protect individual units along with common building structures. Service plans include policy reviews to ensure adequate limits for personal property and liability, as well as guidance on loss assessment endorsements. The firm features straightforward application processes and convenient options for managing policies online or by phone. It services condominium associations, single-family homes, apartments, retail spaces, and restaurants.
Decker Insurance Solutions, Inc serves condo owners in Camarillo and the surrounding Ventura County communities. It handles the specialized insurance needs unique to condominium associations and individual unit owners, addressing gaps in master policies and personal property coverage. The agency takes a methodical approach, beginning with a thorough review of the homeowner association's master policy to determine where its client requires additional protection for interiors, personal liability, and loss assessments.
AAA Camarillo Insurance and Member Services helps homeowners, business owners, and property managers safeguard their residential condo investments. It provides tailored insurance policies that protect against common risks like fire, water damage, and liability claims within association-governed buildings. The agency guides clients through coverage options specific to California condo ownership requirements. Beyond Camarillo, it also serves the surrounding Ventura County communities, including nearby Oxnard.
For condominium owners in Camarillo, one-time advice offers a tailored review of a specific policy, while ongoing service provides annual policy checks and assistance with coverage adjustments as circumstances change. Farmers Insurance - Dina Molina helps clients understand how to cover units, personal belongings, and loss assessments. This agency focuses on ensuring policies align with HOA master plan requirements. Service for existing and new clients is available on a scheduled or an as-needed basis, depending on individual preferences for policy updates and annual coverage assessments.
Insurance Incorporated - Camarillo provides specialized condo insurance services in Camarillo, CA. It focuses on tailoring policies that address the unique coverage gaps between a unit owner's personal property and the building's master policy. The agency also handles general homeowner insurance needs for the local community. Each policy is crafted to ensures proper protection for interior fixtures and personal liability. During the annual renewal cycle, it helps owners reassess coverage limits to account for rising local reconstruction costs after the fire season.
When wildfire season heightens concerns for condominium owners in the Camarillo area, Roger Lewis Insurance Service, Inc. provides specialized policies covering common-area liability and interior structural damage. Their work begins with a review of the homeowner’s association master policy to identify personal coverage gaps for upgrades or personal property. A new client can arrange a phone consultation to assess the unit’s specific exposures and deductibles before proceeding.
All Ways Insurance Services Inc., located in Camarillo, California, assists clients with general condo insurance needs, including property and liability coverage. The company also offers specialty add-ons such as loss assessment and personal property endorsements to address gaps in standard policies. Its services are available for a range of commercial sectors, including offices, warehouses, and food service operations.
Kerry Rafferty - State Farm Insurance Agent provides residential condo insurance services in Camarillo, California, addressing specific coverage needs for individual unit owners. Commercial coverage is also available for small condominium associations or rental properties within the same service area. Policies focus on protecting personal property and interior structures against common local risks. The agent emphasizes clear communication during initial policy setup and encourages follow-up contact whenever a client’s coverage situation changes between regular policy renewal visits.
What Does a a Condo Insurance Agent in Camarillo Cost?
The cost of a condo insurance policy in Camarillo California typically ranges from 300 to 700 dollars per year for standard coverage. Factors that affect the price include your unit location coverage limits and deductible amount. Higher risk areas or additional endorsements like water backup coverage can increase the premium. This is general information and not insurance advice.
About condo insurance agents in Camarillo
Condo insurance agents in Camarillo California help you understand the specific coverage needed for your unit. California law requires that your master policy and individual HO6 policy work together to protect your property. An agent can explain how loss assessment coverage and personal liability apply to your condo association.
Frequently Asked Questions
What does a condo insurance agent in Camarillo do?
A condo insurance agent helps you choose an HO6 policy that covers your personal property interior walls and liability. They review your condo associations master policy to find gaps in coverage. This ensures you are not left paying for damage the association does not cover.
Is condo insurance required by law in California?
California law does not require condo insurance for individual owners. However most condo associations require you to carry an HO6 policy as part of their bylaws. Your lender may also require coverage if you have a mortgage.
How does California law affect condo insurance coverage?
California Civil Code Section 4775 requires condo associations to maintain a master policy. Your individual HO6 policy should cover improvements you make to your unit and personal liability. An agent can help you match your coverage to the associations master policy.
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