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800.840.5290

Property Insurance

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Coastal States Insurance Services, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Coastal States Insurance Services who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Coastal States Insurance Services before making a decision.

Our Locations

Coastal States Insurance Services

1986 S. Victoria Ave
Ventura, CA 93003
Main office: 805-693-4519
Toll free: 800-840-5290

Coastal States Insurance Services

502 1st St. Suite C
Paso Robles, CA 93446
Main office: 805-835-4236
Toll free: 800-840-5290

Our Providers

Coastal States Insurance saved me over $100 on my auto insurance, and I was even able to get more coverage in addition to what I already had! I was so happy to have called an agency that really cared to help me and my family save as much money as possible. I highly recommend them to anyone looking to save money or simply see what other options are out there. Thank you so much Justin and Dave!! - Karyn Hernandez-Ventura, CA
K. Hernandez-Facebook.com
I own and manage a tightly run manufacturing operation here in Oxnard, CA. I have trusted Coastal States Insurance for over 20 years in managing my coverage and let me tell you, this is an agency that is straight to the point. No games, very informative, educated me on coverage's that I ended up needing at a time of an accident. I would recommend these guys to anyone who is looking for a solid team to protect anything necessary. Thanks again Ron. John D. CI manufacturing bros. inc.
John D.
Coastal States Insurance has consistently offered me a cheaper premium than anyone else who even bothers to try these days. I look for patience, customer service, and a team that has mine and my family's well being from day one. I recommend this agency to a lot of my friends who is also covered by them and all I ever hear is great stories. Thank you for taking care of me and my family Ron, we support you the entire way. Congratulations on your new office, its beautiful !!! Hector Cervantes- Cervantes Landscaping
Hector C.
Mitchell Weiss takes great care of me and our Doggy Daycare business. With such a huge risk everyday being around dogs , it important to have an agent who is on our side to ensure we have the right coverage at a price we can afford. Thank you so much Mitchell ! Doggin' Around Daycare- Ventura CA.
Nancy Barna
Ron Hayduk is the best in the industry state wide. If anyone you work with is even half as good as what Ron has been able to do for us and my company, you are in great hands. Thank you Ron, its rare to find a Broker like you in todays market. Straight to the point, no bs, we can appreciate that.
Danny s. - Farm Labor Contractors Assc.