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Looking for a condo insurance agent in San Carlos? Review the directory below to compare your options.
5 agents listed
Updated May 2026
San Carlos, 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 5 condo insurance agents in San Carlos, 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.
Gina Vallee - State Farm Insurance Agent
632 El Camino Real, San Carlos, CA 94070
(650) 593-8425
ginavallee.net
Nadler Insurance, Inc.
1560 Laurel St #200, San Carlos, CA 94070
(650) 508-8000
nadlerinsurance.com
Ray Sullivan: Allstate Insurance
742 El Camino Real, San Carlos, CA 94070
(650) 593-1221
agents.allstate.com
ISU Lovering Insurance Services
1121 Laurel St, San Carlos, CA 94070
(650) 593-7601
isulovering.com
Farmers Insurance - Nicky Papadakis
1355 Laurel St, San Carlos, CA 94070
(650) 593-1666
agents.farmers.com
Condo insurance agents in San Carlos help you secure an HO-6 policy that covers your personal property and interior walls. Under California law, your association master policy typically covers the building exterior and common areas. An agent can explain how these policies coordinate to avoid gaps in coverage.
What Does a Condo Insurance Agent in San Carlos Cost?
Typical condo insurance premiums in San Carlos range from 300 to 800 dollars per year for a standard HO-6 policy. Factors affecting cost include your units location, coverage limits, deductible amount, and claims history. Loss assessment coverage and earthquake endorsements add extra cost. This is general information 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 San Carlos do?
A condo insurance agent helps you find an HO-6 policy that covers your personal belongings, liability, and improvements inside your unit. They also explain how your policy works with the HOA master policy required by California Civil Code Section 4775.
Do I need condo insurance if the HOA has a master policy?
Yes. The HOA master policy usually covers the building structure and common areas but not your personal property or interior upgrades. An HO-6 policy fills those gaps and provides liability protection if someone is injured in your unit.
How do California condo insurance deductibles work?
Many California HO-6 policies include a loss assessment endorsement that covers your share of the HOA master policy deductible. This is important because master deductibles can be high often 5000 to 25000 dollars. An agent can help you choose appropriate coverage limits.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.