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Looking for a home insurance agent in Oceanside? Review the directory below to compare your options.
19 agents listed
Updated May 2026
Oceanside, 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 19 home insurance agents in Oceanside, 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.
John Cho - State Farm Insurance Agent
3520 College Blvd STE 104, Oceanside, CA 92056
(760) 758-4115
johncho.org
AAA Oceanside Insurance and Member Services
3330 Vista Way, Oceanside, CA 92056
(760) 433-6261
ace.aaa.com
Farmers Insurance - Glenn Domingo
3520 College Blvd Ste 105, Oceanside, CA 92056
(866) 486-3276
agents.farmers.com
Inszone Insurance Services
2111 S El Camino Real #201, Oceanside, CA 92054
(760) 433-2307
Pike Insurance Services
3910 Vista Way STE 107, Oceanside, CA 92056
(800) 411-7453
pikeinsure.com
Eric Opdahl - State Farm Insurance Agent
3548 Seagate Way STE 130, Oceanside, CA 92056
(760) 945-4900
ericopdahl.com
Aloha West Insurance
4225 Oceanside Blvd, Oceanside, CA 92056
(760) 547-2626
alohawestinsurance.com
Kalina Johnson - Farmers Insurance
2103 S El Camino Real #102, Oceanside, CA 92054
(760) 434-7200
agents.farmers.com
A-MAX Insurance
510 Oceanside Blvd Ste 101, Oceanside, CA 92054
(760) 650-0500
amaxinsurance.com
Beau Breese: Allstate Insurance
3650 Ocean Ranch Blvd, Oceanside, CA 92056
(760) 231-7999
agents.allstate.com
Michelle McGowan - State Farm Insurance Agent
3602 Ocean Ranch Blvd, Oceanside, CA 92056
(760) 439-4747
michellemcgowan.com
Ben Shore Insurance
603 Seagaze Dr #217, Oceanside, CA 92054
(760) 966-9180
Gateway Insurance Agency Inc
207 N Ditmar St, Oceanside, CA 92054
(760) 439-1323
Munguia Insurance Services
620 N Redondo Dr Suite A, Oceanside, CA 92057
(760) 439-3868
Farmers Insurance - Michael Maloy
3142 Vista Way Ste 308, Oceanside, CA 92056
(760) 517-9121
agents.farmers.com
Leading Edge Insurance Services, Inc.
815 Mission Ave Suite 208, Oceanside, CA 92054
(760) 433-5196
leadingedgeinsurance.net
All Access Insurance Services, LLC
2216 S El Camino Real suite 209, Oceanside, CA 92054
(760) 433-8474
insuranceoceanside.com
Tecker Insurance
1012 S Coast Hwy UNIT J, Oceanside, CA 92054
(760) 757-3334
mercuryinsurance.com
Gibbs Insurance Agency, Inc.
3800 Oceanic Dr Suite 110, Oceanside, CA 92056
(760) 744-2990
gibbsinsurance.com
Home insurance agents in Oceanside California help homeowners find coverage that meets state requirements and protects against local risks like wildfires and coastal weather. California law requires insurers to offer earthquake coverage as an add-on to standard policies, and agents can explain this option. Working with a local agent ensures you understand how the California FAIR Plan works for high risk properties.
What Does a Home Insurance Agent in Oceanside Cost?
The average cost of homeowners insurance in California is about 1,200 to 1,800 dollars per year for a standard policy. In Oceanside, rates may be higher due to wildfire risk and coastal exposure, with some policies costing 2,000 to 3,500 dollars annually. Costs vary based on your homes age, construction type, and coverage limits. 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 home insurance agent in Oceanside do?
A home insurance agent helps you compare policies from different insurers to find coverage for your home. They explain California specific rules like the 15 day grace period for premium payments and the requirement for insurers to give 60 days notice before non renewal. Agents also assist with filing claims and updating coverage after renovations.
Do I need earthquake insurance in Oceanside California?
Earthquake insurance is not required by law but California insurers must offer it as a separate policy or endorsement. The California Earthquake Authority provides coverage through participating insurers. Your agent can explain the deductible options which typically range from 10 to 20 percent of the dwelling limit.
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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.