Insurance Agent Serving Oakland, CA
Your Farmers agent for Oakland, California
Auto, home, earthquake, renters, life, and business coverage, handled by phone, text, and email.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteOakland runs from Lake Merritt, Rockridge, Temescal, and Fruitvale up into the Oakland Hills, with one of the busiest ports on the West Coast along its waterfront. The Hayward Fault runs right through the city, and the hills still remember the 1991 firestorm, so earthquake and wildfire risk both shape good coverage here. Our team works remotely and serves Oakland clients by phone, text, and email.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30, visits by appointment
Phone: (909) 972-0699
Coverage we write for Oakland residents
Auto
Oakland drivers use the I-580, I-880, I-980, SR-24, and SR-13 every day. We help you choose liability limits and coverages that fit how you drive.
Auto coverageHomeowners
Homes in the Oakland Hills can face wildfire risk and non-renewals. We review dwelling limits and replacement cost with you and shop more than one company.
Home coverageEarthquake
Standard home, condo, and renters policies do not cover earthquake damage. We compare California Earthquake Authority and private earthquake options.
Earthquake coverageRenters
Renters coverage protects your belongings and gives you personal liability protection, usually for a small monthly cost.
Renters coverageCondo
Your HOA's master policy rarely covers everything inside your unit. We help you close the gap.
Condo coverageLife
Protect your family's income and mortgage with life coverage built around your budget.
Life coverageCoverage for Oakland businesses
We work with Oakland business owners, from restaurants and shops downtown and in Temescal to trucking and logistics companies serving the port, on liability, property, commercial auto, and workers' comp.
Business Insurance
General liability, property, and business owner policies for shops, offices, and service businesses.
Business coverageWorkers' Compensation
California requires employers with employees to carry workers' comp, even with just one employee.
Workers' compCommercial Truck
Coverage for owner-operators and small fleets hauling to and from the port.
Commercial truckWarehouses and Logistics
Property, liability, and workers' comp for warehouses and distribution operations.
Warehouse coverageWhy Oakland residents work with Young Douglas
Real people, not a call center
You get a licensed agent who knows your policies, by phone, text, or email. When something happens, you call people who know you.
More than one company
We are a Farmers agency and are also appointed with other carriers, so if one company says no, we keep looking. That matters for homes in the hills facing non-renewals.
Help with California's changing rules
California raised its minimum auto liability limits to 30/60/15 starting January 1, 2025, and the home insurance market has tightened for many homeowners. We keep you informed when changes affect your coverage.
Oakland neighborhoods we serve
We serve all of Oakland, including Downtown, Lake Merritt, Rockridge, Temescal, Fruitvale, and the Oakland Hills, plus the rest of Alameda County. We also help clients across the bay in San Francisco and south in San Jose.
Curious what coverage might cost first? Try our insurance cost estimator.
Frequently asked questions
Can a Farmers agent based in Ontario help me if I live in Oakland?
Yes. Farmers Insurance, Young Douglas serves clients across California. Our team works remotely, so Oakland clients work with us by phone, text, and email, and in-person meetings at our Ontario office are available by appointment.
What can I do if my Oakland Hills home insurance is non-renewed?
You have options. We check other carriers we are appointed with, and if the California FAIR Plan is the only choice, we can pair it with a Difference in Conditions policy to fill gaps like water damage, theft, and liability.
What are the minimum car insurance limits in California?
Since January 1, 2025, California requires at least $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage (30/60/15). Many drivers choose higher limits for better protection.
Do I need workers' comp if my Oakland business has only one employee?
Yes. California requires employers to carry workers' compensation for their employees, even if you have only one.
Can I bundle home and auto insurance in Oakland?
Yes. Bundling home or renters coverage with auto is common and may qualify you for a multi-policy discount.
Get your free Oakland quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
All areas we serve
Farmers Insurance, Young Douglas serves drivers, homeowners, families, and businesses across California, including Los Angeles, San Diego, San Jose, San Francisco, Oakland, Sacramento, Fresno, Bakersfield, Long Beach, Anaheim, Irvine, Santa Ana, Huntington Beach, Santa Clarita, Glendale, Pasadena, and the Inland Empire from our home office in Ontario.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.