Ares Insurance Brokerage Service
14140 Magnolia Blvd, Sherman Oaks, CA 91423
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Sherman Oaks households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
14140 Magnolia Blvd, Sherman Oaks, CA 91423
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13749 Riverside Dr, Ste 204, Sherman Oaks, CA 91423
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14156 Magnolia Blvd, Suite 200, Sherman Oaks, CA 91423
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15233 Ventura Blvd., #1308, Sherman Oaks, CA 91403
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13907 Ventura Blvd., Suite 104, Sherman Oaks, CA 91423
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Learn about insurance coverage options specific to Sherman Oaks residents.
Complete insurance guide for Sherman Oaks, CA. Learn about auto, home, earthquake coverage, local agents, wildfire risk, and costs in 91403/91423 zip codes.
Home InsuranceSherman Oaks home insurance costs 21% more than CA average due to earthquake and wildfire risks. Learn about FAIR Plan alternatives and fire-hardening.
Car InsuranceSherman Oaks auto insurance guide: CA's new 30/60/15 minimums, I-405/US-101 accident risks, at-fault system, and why uninsured motorist coverage matters.
While earthquake insurance isn't legally required, it's highly recommended for Sherman Oaks homeowners. The area sits near the Northridge Fault and experienced significant damage in the 1994 earthquake. Standard homeowners policies exclude earthquake damage, meaning you'd pay out of pocket for repairs or rebuilding. Premiums range from $800 to $2,500 annually depending on your home's characteristics.
Sherman Oaks drivers with clean records typically pay $1,800 to $2,400 annually for full coverage auto insurance, slightly above California's state average. Rates vary based on your vehicle, coverage limits, deductibles, and driving history. The area's higher traffic density and vehicle values contribute to premiums that run above the statewide average.
Local independent agents offer significant advantages in Sherman Oaks, particularly the ability to quote multiple carriers and navigate California's challenging insurance market. They understand local risks like wildfire exposure in hillside areas and can help if carriers pull back from writing new business. However, comparing quotes from both local agents and online carriers often yields the best results.
Absolutely. Renters insurance typically costs only $15-25 monthly but provides $30,000 in personal property coverage and $100,000 in liability protection. The liability coverage is especially valuable if you cause damage to the building or other units, or if someone is injured in your apartment. Many Sherman Oaks landlords now require tenants to carry renters insurance.
Homes in hillside areas near Mulholland Drive face significantly higher wildfire risk, leading to premiums that run 15-25% above valley floor properties. Some insurers have stopped writing new policies in high-risk areas entirely, forcing homeowners to seek coverage through the California FAIR Plan. The combination of wildfire exposure and limited insurer appetite drives up costs.
Condo owners need HO-6 insurance, which covers personal property, interior improvements, and liability. Your building's master policy covers the structure and common areas but not your belongings or upgrades you've made to your unit. HO-6 policies typically cost $300-600 annually and fill critical gaps left by the master policy.
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