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Compare Condo Insurance Agents in Imperial Beach, CA
Compare condo insurance agents in Imperial Beach. Review contact information and insurance categorys before you decide.
6 agents listed
Updated May 2026
Imperial Beach, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 6 condo insurance agents in Imperial Beach, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Tracey Rivera Insurance Agency Inc. - State Farm Insurance
1239 Palm Ave, Imperial Beach, CA 91932
(619) 424-3956
traceyriveraagency.com
Cheryl Close - State Farm Insurance Agent
1144 13th St Suite 101, Imperial Beach, CA 91932
(619) 423-7111
cherylclose.com
Greg Nelson: Allstate Insurance
1228 Palm Ave, Imperial Beach, CA 91932
(619) 423-2633
agents.allstate.com
Derek Jones Insurance Services Inc.
936 Palm Ave, Imperial Beach, CA 91932
(619) 420-4927
Farmers Insurance - Carlos Diaz
1340 Imperial Beach Blvd Ste 204, Imperial Beach, CA 91932
(619) 425-0079
agents.farmers.com
Ideal Choice Insurance & Notary Services
1237 Palm Ave, Imperial Beach, CA 91932
(619) 423-7172
idealchoiceinsurance.com
Condo insurance agents in Imperial Beach help you protect your unit and personal property. California law requires HO-6 policies for condo owners to cover interior structures and liability. Local agents understand coastal risks like flood and earthquake exposure near the San Diego Bay.
What Does a Condo Insurance Agent in Imperial Beach Cost?
Typical condo insurance premiums in Imperial Beach range from 300 to 800 dollars per year for basic HO-6 coverage. Adding earthquake insurance can increase the cost by 200 to 600 dollars annually. Flood insurance through the NFIP averages 700 to 1,200 dollars per year for condos in flood zones. These costs vary based on your unit value, deductible choices, and risk factors. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a condo insurance agent in Imperial Beach do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property, interior walls, and liability. They also explain how your policy works with your HOAs master insurance. This is important because California law requires condo owners to carry their own coverage for improvements and personal belongings.
Is earthquake insurance required for condos in Imperial Beach?
Earthquake insurance is not required by California law, but it is strongly recommended for Imperial Beach due to seismic risk. Standard HO-6 policies do not cover earthquake damage. You can add a separate earthquake endorsement or policy through your agent.
How does California law affect condo insurance coverage limits?
California Civil Code Section 4775 requires HOAs to provide owners with a summary of the master policy. Your agent uses this to help you choose adequate coverage for your unit. You typically need enough dwelling coverage for interior fixtures and upgrades that the master policy does not cover.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.