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Average Cost of Homeowners Insurance in Oxnard, CA

The average cost of homeowners insurance in Oxnard, CA, is $977.43. A home insurance policy is one of your most important investments. It protects your home and possessions during a natural disaster or other catastrophic events. A policy can also provide financial assistance if you need to rebuild your home or replace damaged belongings. While no one likes to think about the possibility of their home being damaged or destroyed, it’s important to have the protection of a home insurance policy in case the worst does happen. And with Oxnard, CA, home insurance rates being relatively affordable, there’s no excuse not to have this vital coverage in place.

Several insurance companies on the market offer home insurance at affordable prices. Therefore, before taking action, homeowners should evaluate the many quotes and policies offered by home insurance providers in Oxnard, California. There are a few Factors affecting home insurance in Oxnard mentioned in this article that you should consider before buying a home insurance.

See the chart below for information on the top insurance companies and prices in Oxnard, California.

Factors Affecting Home Insurance in Oxnard, CA:

1. Home insurance rates by coverage levels

2. Home insurance rates by deductibles

3. Home insurance rates by materials used

4. Home insurance rates by the number of claims

Homeowners Insurance in Oxnard, CA- Rates by Coverage Level

As you shop for homeowners insurance in Oxnard, CA, you will notice that coverage levels can greatly impact costs. A policy with lower coverage limits will be less expensive than a policy with higher limits. You will typically pay more for your insurance if you have a higher coverage level. However, it’s important to make sure that you have enough coverage to protect your home and belongings. Refer to the chart below to know the cost of home insurance in Oxnard, CA, based on the coverage level. For instance, homeowners in Oxnard, California, who choose $100K in coverage pay $306 for their home insurance.

Homeowners Insurance in Oxnard, CA - Rates by Deductibles

Your choice of deductible can affect your costs. A deductible is an amount you agree to pay out-of-pocket in case of a covered claim. So, if you have a $500 deductible and suffer $5,000 in damages from a covered event, your insurance company will reimburse you for $4,500. The higher your deductible, the lower your premiums will be. That's because you were shouldering more of the risk, and the insurance company will not have to pay out as much in case of a claim. Conversely, a lower deductible will mean higher premiums. For example, Oxnard homeowners who chose a $1500 deductible for their home insurance pay $822. As a result, the higher your deductible, the lower your monthly premium. For instance, in Oxnard, California, homeowners who choose a $500 deductible pay $965 for their home insurance.

Homeowners Insurance in Oxnard, CA - Rates by Materials Used

The materials used in construction play a big role in how much your homeowner's insurance will cost. In Oxnard, CA, homes made with brick are cheaper to insure than those made with wood. That's because brick is more fire-resistant than wood. For example, in Oxnard, California, homeowners who use roofs resistant to fire and hail pay $879 and $957 in insurance, respectively. If you're thinking of building a new home or renovating your existing home, talk to your insurance agent about what materials will help you get the best rate on your homeowner's insurance.

Homeowners Insurance in Oxnard, CA - Rates by the Number of Claims

There is a direct correlation between the number of claims filed on a homeowner’s insurance policy and the cost of that policy. The more claims that are filed, the higher the policy cost. The insurer's claims history accurately records all the claims it has filed. The history of the claims, the cause of the harm, the compensation paid, etc., are all included. Insurance companies view policyholders with many claims as a greater risk. For example, in Oxnard, California, policyholders with no claims can get their policy for as little as $860. Policyholders with one or two claims pay a higher premium of  $1065 and $1104 on their homeowner insurance. The best way to keep the cost of your homeowner’s insurance down is to avoid filing claims. If you need to file a claim, shop around for the best rates before renewing your policy.

Top Home Insurance Companies in Oxnard, CA

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 17.56%
Liberty Mutual A 6.24%
Allstate A+ 5.91%
Erie A+ 5.4%
Travelers A++ 3.18%

Top Allstate Home Insurance Agents in Oxnard, CA

Homeowners Insurance Agents Agent Address Contact Details
Mick Landmark Agency Inc 535 N Brand Blvd Fl 10
(818) 662-4200
Ashley Insurance 627 W 6th St
Andrew Anderton 21049 Devonshire St Ste 205
Norvin Vogel 751 E DAILY DR STE 230
(805) 388-7130
Randall Lakes Ins 3301 Ocean Park Blvd Ste 105
(310) 230-5059
Ron Tocki 20700 Ventura Blvd Ste 231
(818) 532-1811
Gridley Insurance Llc 1145 S Western Ave
(323) 733-6680
Anna Lautenbach 2432 Lincoln Blvd Ste D
Jay Henry 24961 THE OLD RD 101
Randall Bogani 3325 Wilshire Blvd Ste 525
(323) 546-3030

Top Travelers Home Insurance Agents in Oxnard, CA

Homeowners Insurance Agents Agent Address Contact Details
Ron Young Insurance Agency 19562 Ventura Blvd Ste 216 91356
(818) 614-9488
Kaplansky Insurance Agency 330 W 11TH ST STE 709 90015
Bart Sullivan Insurance Inc 17827 Chats St
A C Larson & Co 1809 Cliff Dr Ste A
Nowak Insurance 21820 BURBANK BLVD STE 330 91367
(818) 914-3960
May & Associates Agency Inc 1770 North Highland Ave STE H 90028-4430
(323) 900-0363
Lupien Insurance Group 11859 WILSHIRE BLVD STE 685 90025
Kouser Insurance Inc 300 N LANTANA ST STE 41
Agents Advantage Inc 1781 Erringer Rd 93065-3520
Adam Orchard Kososki 950 Enchanted Way Ste 106

Top State Farm Home Insurance Agents in Oxnard, CA

Homeowners Insurance Agents Agent Address Contact Details
Chris Vecchio 4818 Fulton Ave 91423-2504
Chuck Hewett 877 S Victoria Ave Ste 201 93003-5349
Beth Shutko 875 N Gower St 90038-3914
Karen Shields 1230 ROSECRANS AVE STE 300
Pat Strong 14622 VICTORY BLVD STE 201
(818) 909-0777
Aaron Perry 8405a Lincoln Blvd 90045
Bill Fraser 17037 Chatsworth St Ste 210 91344-7364
Cassius Williams 1000 Business Cntr Cir Ste 108
Jaime Zapata Clu 10727 WHITE OAK AVE STE 115
Shawn Kim 2325 Wilshire Blvd. Santa\u00a0Monica

Top Erie Home Insurance Agents in Oxnard, CA

Homeowners Insurance Agents Agent Address Contact Details
Browns Insurance Agency Inc. 22736 Vanowen St Ste 205
Midwest Group Insurance Agency Inc. 18757 Burbank Blvd Ste 104
(818) 996-0900
First Advantage Insurance Agency 18631 Sherman Way Ste C
(818) 345-2600
Figi Insurance & Financial Services 23502 Lyons Ave Ste 103
(661) 254-0621
Conway & Company Insurers 141 Duesenberg Dr
Ron Ward Insurance 21012 Ventura Blvd 91364
(818) 710-0655
Great Oak Insurance Group 2716 S Vermont Ave Ste 3
(213) 481-6000
Baltimore Insurance Network 22127 Sherman Way
Bridge Agency Llc 250 26th St Ste 200 90402-2547
American Insurance Center Llc 1425 5th St Ste B

Top Liberty Mutual Home Insurance Agents in Oxnard, CA

Homeowners Insurance Agents Agent Address Contact Details
Kurt Felgner 7607 SANTA MONICA BLVD STE 26
Carol Ford 24225 Main St Ste 3
Ginger Copeland Lutcf 1925 W Temple St Ste 206
(213) 483-3660
Eric Sheredy 3303 Kimber Dr Ste D
(805) 375-2800
Randal Smith Cisr 865 S Figueroa St # 3340-a
(213) 488-0455
Ainslee Bowers 11239 Tampa Ave Ste 202
Cecilio Vega 15223 Crenshaw Blvd Ste B
Jaimie Marie 19350 BUSINESS CENTER DR #106
Nelson Marenco 15303 VENTURA BLVD FL 7
(818) 464-9300
Larry Moore 21700 OXNARD ST STE 1200

Oxnard, CA Homeowners Complaint Ratio By Companies

Home Insurance Company Justified Complaint Ratio 2018 Number of Justified Complaints 2018 Justified Complaint Ratio 2017 Number of Justified Complaints 2017
Allstate 1.7 11 2.4 16
Nationwide 3.2 2 1.6 1
State Farm 3.9 85 3.9 86
Liberty Mutual 11.5 31 5.6 14

Homeowners Insurance Comparison for the Cheapest Premiums in Oxnard, CA

Liberty MutualState FarmTravelers
Median Home Value ($) 400,280360,280420,280
Construction year 199119761977
Home Coverage ($) $500000-$600000$500000-$600000$600000-$700000
Total Premium ($) $1141$1161$1419

Oxnard, CA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Allstate upto 22%
Travelers upto 11%
Erie upto 17%
Liberty Mutual upto 17%