The top-rated condo insurance agent in Cameron Park, California is JD Snead - State Farm Insurance Agent, rated 4.8 stars across 53 reviews. Other highly rated options include Farmers Insurance - Ryan Nuttall, Farmers Insurance: Sheldon Maughan, Farmers Insurance - Wuilmer Aguilar. This directory lists 14 condo insurance agents serving Cameron Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | JD Snead - State Farm Insurance Agent | 3420 Coach Ln Ste 4 | (530) 677-5211 |
| 2 | Farmers Insurance - Ryan Nuttall | 3330 Cameron Park Dr # 950 | (530) 677-7860 |
| 3 | Farmers Insurance: Sheldon Maughan | 3332 Heights Dr #245 | (916) 673-6606 |
| 4 | Farmers Insurance - Wuilmer Aguilar | 4120 Cameron Park Dr Ste 302b | (530) 350-6980 |
| 5 | Farmers Insurance - Walter Wiesner | 3330 Cameron Park Dr Ste 925 | (530) 677-7860 |
| 6 | Northwestern Insurance Agency | 3031 Alhambra Dr #103 | (530) 676-5200 |
| 7 | Chester & Associates Insurance Services | 3075 Alhambra Dr | (530) 319-5801 |
| 8 | America's Flood Insurance Services | 3350 Country Club Dr #201 | (800) 333-0883 |
| 9 | Lobsinger Insurance Agency | 3401 Covello Cir | (530) 677-0506 |
| 10 | Farmers Insurance | 4120 Cameron Park Dr Ste 302b | (916) 673-6606 |
JD Snead - State Farm Insurance Agent provides comprehensive condo insurance coverage tailored to individual policyholder needs. It offers guidance on selecting appropriate liability, personal property, and loss assessment protections for unit owners. Service plans typically include periodic policy reviews to adjust coverage limits and deductibles as property values or circumstances change. The agency also helps clients bundle condo insurance with other personal insurance products for convenience. It services single-family homes, apartments, retail businesses, and restaurants in the Cameron Park area.
Farmers Insurance - Ryan Nuttall serves El Dorado County and the greater Cameron Park area as a dedicated condo insurance agent. The agency helps condominium owners secure policies that protect individual units and personal belongings. It also offers tailored liability coverage to address the unique risks of shared-wall living arrangements. Clients can receive a personalized review of their homeowners association master policy and individual coverage needs. Ryan Nuttall assists with filing claims and adjusting policies after unit renovations.
Farmers Insurance: Sheldon Maughan provides a full range of condo insurance services for the Cameron Park area, including specialized policies for interior structures and personal liability coverage. The agency offers routine policy reviews and claims assistance to help condo owners maintain their coverage over time. Its team works closely with homeowners associations and individual unit owners. It typically services single-family homes, apartment complexes, mixed-use retail spaces, and local restaurants.
Farmers Insurance - Wuilmer Aguilar serves condo owners and property managers in Cameron Park, California, by offering tailored insurance policies that protect individual units and common areas. Condo insurance agents help ensure that policyholders have appropriate coverage for personal belongings, liability, and interior structures not included in master policies. This agency assists clients with selecting necessary endorsements, such as loss assessment coverage, to fill gaps in building-wide plans. Located in Cameron Park, the agency also extends its services to residents in nearby Placerville and surrounding El Dorado County areas.
Farmers Insurance - Walter Wiesner serves Cameron Park and the surrounding El Dorado County communities, handling condo insurance policies for local homeowners and associations. It addresses specific needs like shared-wall coverage, personal property protection, and liability issues common in attached dwellings. The agency works to match policy options to individual unit values and building arrangements in the area. To handle a typical job, it reviews the condo’s master policy and the client’s personal assets, then tailors the plan accordingly.
Shoppers can choose a single, one-time condo insurance policy or opt for an ongoing coverage plan that renews automatically. Northwestern Insurance Agency, based in Cameron Park, CA, assists clients in understanding these distinct service options. The agency helps evaluate the specific condo association master policy obligations and personal property needs. It then tailors a standard H0-6 policy to bridge any gaps between the association coverage and personal liability or belongings. Service runs on either a one-time purchase for a new policy or a scheduled annual renewal basis to accommodate changing coverage requirements.
Chester & Associates Insurance Services specializes in tailoring condo insurance policies to protect individual units and shared building elements. The firm provides general guidance on coverage limits, personal liability protection, and loss assessments for homeowners’ associations in Cameron Park, California. Its agents assist with evaluating master policy gaps to prevent underinsurance. As seasonal wildfire risks increase in the Sierra foothills, the company helps clients review and update their dwelling and personal property coverage before fire season begins.
When autumn storms begin to threaten the Sierra Nevada foothills, homeowners in Cameron Park often review their coverage against potential water damage. As a condo insurance agent, America's Flood Insurance Services helps residents secure policies tailored to the unique risks of community-living arrangements, where shared walls and common areas require specialized protection. The company guides clients through the differences between master policies and individual contents coverage, ensuring no gaps in liability exist. An initial consultation typically involves a walkthrough of the unit to evaluate potential flood exposure and confirm adequate protection.
Lobsinger Insurance Agency specializes in helping property owners secure appropriate condominium insurance coverage tailored to their specific needs. The company assists clients in understanding the distinct differences between a master policy held by their homeowners’ association and the individual coverage required for their unit and personal belongings. Additional protections for personal liability and loss assessments are available to address common exposures. The agency works with residential condominium associations, small rental property operators, food service businesses, and local office and warehouse commercial sectors.
Farmers Insurance in Cameron Park, CA, helps homeowners protect their property with tailored residential condominium insurance policies. The agency also assists local business owners by offering commercial coverage to safeguard their operations. Serving the Cameron Park area and its surroundings, agents work closely with clients to select appropriate levels of protection for both personal belongings and building structures. After a policy is set up, the team provides guidance on necessary adjustments and ensures follow-up support is available between regular visits to address any changing coverage needs.
What Does a a Condo Insurance Agent in Cameron Park Cost?
Condo insurance in Cameron Park typically costs between $300 and $600 per year for a standard policy. Factors like the unit location, coverage limits, deductible amount, and your claims history affect the premium. Higher value units or those in wildfire-prone areas may cost more. This is general information, not insurance advice.
About condo insurance agents in Cameron Park
Condo insurance agents in Cameron Park help owners protect their units and personal property. California law requires HOAs to have a master policy, but individual unit owners still need their own coverage for interior structures and liability. An agent can explain how the master policy and your personal policy work together.
Frequently Asked Questions
What does a condo insurance policy cover in Cameron Park?
A standard condo policy covers your personal belongings, interior walls and fixtures, and liability for injuries that happen in your unit. It also provides loss of use coverage if you cannot live in your condo due to a covered event.
Is condo insurance required by law in California?
California law does not require individual condo owners to buy insurance, but most HOAs and mortgage lenders do require it. The HOA master policy typically covers common areas and the building structure, but you need your own policy for your unit and personal items.
How does the HOA master policy affect my condo insurance in Cameron Park?
The HOA master policy covers the building exterior and common areas. Your personal condo policy covers everything inside your unit from the walls inward. You should review the master policy to understand what is already covered so you can avoid gaps or duplicate coverage.
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