The top-rated condo insurance agent in Roseville, California is Acceptance Insurance, rated 4.9 stars across 391 reviews. Other highly rated options include Chris Hagans - State Farm Insurance Agent, Farmers Insurance - Gilbert Cohen, Pacific Unity Insurance Solutions, Inc.. This directory lists 20 condo insurance agents serving Roseville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Acceptance Insurance | 107 S Harding Blvd STE I | (916) 527-6004 |
| 2 | Chris Hagans - State Farm Insurance Agent | 1120 Douglas Blvd STE A | (916) 786-2461 |
| 3 | Farmers Insurance - Gilbert Cohen | 10002 Foothills Blvd Ste 120 | (916) 789-7000 |
| 4 | Pacific Unity Insurance Solutions, Inc. | 2241 Douglas Blvd Suite 250 | (916) 846-9555 |
| 5 | Duane Pascua - State Farm Insurance Agent | 3031 Foothills Blvd Ste 160 | (916) 773-5700 |
| 6 | Finkemeier Insurance Services | 1805 Cirby Way STE 7 | (916) 666-7889 |
| 7 | Peterson & Grantham Insurance Brokers | 3017 Douglas Blvd Suit 300 | (916) 431-0400 |
| 8 | Goosehead Insurance - Jeff Lendl | 1700 Eureka Rd Suite 155, Office E | (916) 265-2615 |
| 9 | All-Cal Insurance Agency | 505 Vernon St | (916) 784-9070 |
| 10 | Nationwide Insurance - Waters Insurance Agency | 9063 Foothills Blvd # 6 | (916) 960-1600 |
Acceptance Insurance specializes in tailored condo insurance solutions, including coverage for individual unit interiors and personal liability protection. It also provides broader property insurance services to residents throughout Roseville, California, addressing both standard policies and unique living situations. With condominium ownership often involving shared structures and association requirements, the agency assists clients in managing coverage gaps. During seasonal changes like winter storms that can cause water damage, it helps ensure condominiums retain adequate protection against unexpected losses.
Chris Hagans - State Farm Insurance Agent serves the Roseville, California area as a provider of condo insurance. The agency helps condominium owners secure coverage for their personal property, liability, and the interior structures not typically covered by the building’s master policy. They assist clients in understanding the specific gap between a homeowner’s policy and what the homeowners association insures. Their services include assessing personal belongings and advising on necessary dwelling protection and loss assessment coverage for common area repairs.
Farmers Insurance - Gilbert Cohen provides a full range of condo insurance services for clients in Roseville, CA, including tailored policies for individual units and common area coverage. Their service plans typically involve annual policy reviews to adjust for changes in property value and personal liability needs. They also offer maintenance plan consultations to help owners understand how to meet HOA insurance requirements. This agency services single-family homes, apartments, retail spaces, and restaurants.
Pacific Unity Insurance Solutions, Inc. serves homeowners and property managers in Roseville, California, providing tailored condo insurance policies that protect individual units and shared building structures. They assist clients in understanding master policy coverage gaps and securing appropriate liability and contents protection for their residences. Their work focuses on finding the right level of coverage for single-unit owners and multifamily property operators. The agency operates confidently across the broader Sacramento metro, including neighboring areas such as Rocklin.
Serving Roseville, California, and the surrounding communities, Duane Pascua - State Farm Insurance Agent handles condo insurance policies for local homeowners. The agency addresses the unique coverage needs of condominium units, including interior structures, personal property, and liability protection. To manage a typical job, it starts by reviewing the condo association’s master policy, then works closely with the client to identify any additional coverage gaps.
Finkemeier Insurance Services in Roseville, CA helps clients decide between a one-time policy purchase for a single property or a scheduled service that reviews coverage regularly. Their condo insurance work typically includes protecting personal belongings, interior structures, and liability. Each policy is prepared based on the specific needs of a condominium unit. This agent provides service on either a one-time, scheduled, or as-needed basis, allowing clients to choose how frequently they update their coverage.
Peterson & Grantham Insurance Brokers specializes in crafting condo insurance policies tailored to the unique needs of unit owners in Roseville, CA. Its general work includes assessing individual coverage for interior structures, personal belongings, and liability protection. The agency also guides clients through the nuances of master policy gaps and association requirements. When winter storms bring moisture and potential water damage to local condominium complexes, Peterson & Grantham helps owners review and adjust their policies accordingly.
Goosehead Insurance - Jeff Lendl assists clients in Roseville, California, with securing condo insurance policies that cover both personal property and liability concerns. Special add-ons include flood and earthquake endorsements, which address common regional hazards. The agency works with individual policyholders to tailor their dwelling and contents protection. Its services extend to local commercial sectors, including office spaces, warehouses, and food service operations.
Nationwide Insurance - Waters Insurance Agency serves the Roseville, California area with residential condo insurance policies tailored to individual unit owners. They also provide relevant commercial coverage options for condominium associations needing protection for shared spaces and common areas throughout the region. This agency handles initial policy setup and annual renewals, ensuring clients maintain proper coverage between regular service visits by scheduling follow-up check-ins on coverage needs.
What Does a a Condo Insurance Agent in Roseville Cost?
The cost of a condo insurance policy in Roseville California typically ranges from 300 to 800 dollars per year for standard coverage. Factors like your unit location, deductible choice, and personal property value affect the premium. Loss assessment coverage and earthquake add-ons increase the cost. This is general information and not insurance advice.
About condo insurance agents in Roseville
A condo insurance agent in Roseville California helps you understand the specific coverage required by your HOA master policy. California law requires HOAs to carry insurance on common areas, but you need a separate policy for your unit interior and personal liability. An agent can explain how the state standard form HO-6 policy works for Roseville condos.
Frequently Asked Questions
What does a condo insurance agent in Roseville do?
A condo insurance agent reviews your HOA master policy to find coverage gaps. They then recommend an HO-6 policy that covers your unit fixtures, personal property, and liability. They also help you meet California insurance requirements for loss assessment coverage.
Do I need condo insurance if my HOA has a master policy?
Yes. The HOA master policy usually covers the building exterior and common areas. Your personal belongings, interior walls, and upgrades are not covered. California law does not require you to buy condo insurance, but most lenders and HOAs do require it.
How does California law affect condo insurance in Roseville?
California Civil Code Section 4775 requires HOAs to maintain property insurance on the common areas. However, you are responsible for insuring your unit interior and personal property. An agent can help you comply with these state rules and avoid gaps in coverage.
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