

Farmers Insurance Agent in Oxnard, CA
Karen Denise PenaAbout Me
I’m a Farmers® agent-based locally in sunny Oxnard, CA. I love assisting my valuable clients to prepare bright, secure futures that they can be excited about. Ensuring you’re covered for anything life may present is my mission and I’m here to guide you every step of the way. As a former project manager, I’m talented with time management, organization, and getting things DONE! Through a straightforward process, we’ll work together to discover the options that best protect you. From auto, home, renters, business insurance, and beyond, I’ve got you covered so that your assets remain assets.
Ready to get started? I am here to help you find the best option for your lifestyle. Come in and have a cup of coffee with me to discuss what coverage is best for you and your loved ones.
Give me a call at (805) 604-1154 and I'll be happy to answer any questions you might have.
Languages Spoken: English and Spanish
Insurance Products Offered
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Auto Insurance
Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.
Home Insurance
Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years, and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Plus, get competitive rates with our multi-line insurance discounts. Get a Home insurance quote now.
Life Insurance1
How much has your life changed in the last few years? Whether you've purchased a home, gotten married, had children or started a small business, it's a good idea to review your Life insurance policy. Call me today so you can create a plan to help provide financial support for those who depend on you.
ADFL029AWS 9/17Renters Insurance
Your landlord may have an insurance policy, but if there's a fire in your building, that policy may not cover your possessions. That's why there's Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Business Insurance
Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.
Condo Insurance
Your condo is more than a place you call home. It’s also a major investment filled with possessions you want to protect. Get a quote on condo insurance to see how affordable it is to protect your personal belongings.
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Motorcycle Insurance
As a motorcycle enthusiast, you're all about adventure and fun. The last thing you want to worry about is whether you have the right Motorcycle insurance policy. Talk to a Farmers agent about Motorcycle insurance discounts such as rewards for responsible riders and insuring more than one bike with Farmers.
Recreational Insurance
When enjoying the great outdoors, you shouldn't have to be thinking about your insurance coverage. Make sure you have Recreational insurance coverage from an industry leader. Whether you own a boat, travel trailer, ATV or Motor Home, Farmers Insurance has flexible coverage options and insurance discounts. Contact a Farmers agent to get a quote.
Umbrella Insurance
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
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Switch to Farmers® and you could save an average of $470 on Auto or $450 on Home. You could be missing out on hundreds in savings. Call me today and let’s talk about how switching to Farmers could help you save.*
*Based on average nationwide annual savings of new customers surveyed, excluding HI & SC, from 7/1/20 to 12/1/20 who switched their Auto insurance policy or who switched their Homeowners insurance policy to a Farmers® branded policy, responded to the survey, and realized savings. Potential savings vary by customer and may vary by state and product.

Get a whole lot of something with
Farmers Policy Perks℠
When you purchase a policy with Farmers, you're not just getting insurance backed by almost a century of experience. Now, you can unlock discounts, save money, and get benefits — with Farmers Policy Perks.
Choose from a variety of perks. Some start the moment you sign up for a policy; others help you save money the longer you're with us. Safe driver perks? We've got those. And added coverage perks? Got them too.
So which perks will you choose? I’m always happy to help with any questions you might have! Call or email any time.


- Hiking
- Cooking
- Reading- Proud member of the Bad Babes with Books (Find them @badbabeswithbooks)
- Salsa and Bachata Dancing!
- Expert Movie Watcher

Farmers® customers can protect their furry family member and save 5% with pet insurance from Pets Best.

Teach your child that success usually starts with a plan.
Frequently Asked Questions:
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