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Find Condo Insurance Agents Near You in Santa Cruz, CA
Browse condo insurance agents serving Santa Cruz, California. Contact information and addresses listed below.
18 agents listed
Updated May 2026
Santa Cruz, 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 18 condo insurance agents in Santa Cruz, 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.
Chris Buich - State Farm Insurance Agent
2222 E Cliff Dr Ste 200, Santa Cruz, CA 95062
(831) 464-4300
chrisbuich.com
Lydia Harville - State Farm Insurance Agent
1044 41st Ave, Santa Cruz, CA 95062
(831) 476-6665
lydiaharville.com
O'Brien Insurance Agency
1722 Seabright Ave, Santa Cruz, CA 95062
(831) 621-1311
obinsure.com
DCD Financial & Insurance Services
1123 Soquel Ave, Santa Cruz, CA 95062
(831) 423-8542
dcdis.com
Paul Nelson Insurance Services
730 Mission St #201, Santa Cruz, CA 95060
(831) 426-9900
bayareainsured.com
Allstate Insurance: Pinnacle One Insurance Services
1200 Pacific Ave #265, Santa Cruz, CA 95060
(831) 459-0500
agents.allstate.com
Skip Leonard - State Farm Insurance Agent
1101 Water St, Santa Cruz, CA 95062
(831) 429-2700
skipleonard.com
Ace Althouse - State Farm Insurance Agent
1215 Mission St, Santa Cruz, CA 95060
(831) 420-1555
agent-ace.com
Shockley Insurance Solutions
519 Seabright Ave Suite #213, Santa Cruz, CA 95062
(831) 600-8755
shockleyinsurance.com
Farmers Insurance - Michael Baxter
730 Mission St #201, Santa Cruz, CA 95060
(831) 427-0900
agents.farmers.com
Erin Irvine Independent Insurance Producer
406 Mission St # F, Santa Cruz, CA 95060
(408) 316-5362
erinirvine.com
Clarion Pacific Insurance Services
2035 N Pacific Ave ste a, Santa Cruz, CA 95060
(831) 337-4661
clarionpacificinsurance.com
Farmers Insurance - Ted Herzon
406 Mission St # F, Santa Cruz, CA 95060
(408) 666-1672
agents.farmers.com
Bedell & Nelson-Harbert Insurance
2035 N Pacific Ave, Santa Cruz, CA 95060
(831) 426-3700
Farmers Insurance - Doug Banks
303 Potrero St Blg 45 Ste 108, Santa Cruz, CA 95060
(831) 460-0700
agents.farmers.com
D and R Insurance Services
542 Ocean St #J, Santa Cruz, CA 95060
(831) 427-3272
mercuryinsurance.com
Farmers Insurance
410 Ocean St, Santa Cruz, CA 95060
(831) 423-7163
agents.farmers.com
Farmers Insurance - Mark Battey
410 Ocean St, Santa Cruz, CA 95060
(831) 423-7163
agents.farmers.com
Condo insurance agents in Santa Cruz help owners protect their units with HO-6 policies that cover personal property and interior improvements. California law requires HOAs to carry a master policy but that policy often excludes fixtures and upgrades inside your unit. A local agent can explain how to fill those gaps and meet lender requirements.
What Does a Condo Insurance Agent in Santa Cruz Cost?
Typical condo insurance in California costs between 300 and 600 dollars per year for a basic HO-6 policy. Adding earthquake coverage can increase the premium by 500 to 1500 dollars or more depending on your location and building type. Wildfire risk in Santa Cruz may also raise rates. 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 Santa Cruz do?
A condo insurance agent helps you find an HO-6 policy that covers your personal belongings, interior walls, and liability. They also review your HOA master policy to identify what is not covered so you can add appropriate endorsements.
Is condo insurance required in California?
California law does not require condo insurance but most lenders will require it for a mortgage. Even without a loan it is wise to carry coverage because the HOA master policy typically does not cover your personal property or interior upgrades.
How does the Santa Cruz location affect my condo insurance?
Santa Cruz is in a high-risk zone for earthquakes and wildfires. Standard condo policies do not cover earthquake damage so you may need a separate earthquake policy. Flood insurance is also separate and recommended for coastal areas.
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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.