Top 5 Home Insurance Companies in Oxnard, CA
Check out the most popular Home Insurance agencies & companies in Oxnard, CA & compare the best quotes from them.
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 91203 |
(818) 662-4200 | ||
| Ashley Insurance | 627 W 6th St 90017-3201 |
213-622-1067 | ||
| Andrew Anderton | 21049 Devonshire St Ste 205 91311-2375 |
818-773-8291 | ||
| Norvin Vogel | 751 E DAILY DR STE 230 93010 |
(805) 388-7130 | ||
| Randall Lakes Ins | 3301 Ocean Park Blvd Ste 105 90405 |
(310) 230-5059 | ||
| Ron Tocki | 20700 Ventura Blvd Ste 231 91364 |
(818) 532-1811 | ||
| Gridley Insurance Llc | 1145 S Western Ave 90006 |
(323) 733-6680 | ||
| Anna Lautenbach | 2432 Lincoln Blvd Ste D 90405-3850 |
310-314-7601 | ||
| Jay Henry | 24961 THE OLD RD 101 91381 |
877-728-3116 | ||
| Randall Bogani | 3325 Wilshire Blvd Ste 525 90010 |
(323) 546-3030 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Ron Young Insurance Agency | 19562 Ventura Blvd Ste 216 www.ronyounginsurance.com 91356 |
(818) 614-9488 | ||
| Kaplansky Insurance Agency | 330 W 11TH ST STE 709 www.kaplansky.com 90015 |
213-745-2858 Email:INFO@KAPLANSKY.COM |
||
| Bart Sullivan Insurance Inc | 17827 Chats St 91344-5612 |
818-832-6611 Email:bart@swconway.com |
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| A C Larson & Co | 1809 Cliff Dr Ste A 93109-1649 |
805-965-8934 | ||
| Nowak Insurance | 21820 BURBANK BLVD STE 330 www.affordablechoiceins.com 91367 |
(818) 914-3960 Email:kevin@affordablechoiceins.com |
||
| May & Associates Agency Inc | 1770 North Highland Ave STE H www.may-assoc.com 90028-4430 |
(323) 900-0363 Email:MMAY.MAYAS01@INSUREMAIL.NET |
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| Lupien Insurance Group | 11859 WILSHIRE BLVD STE 685 www.lupieninsurance.com 90025 |
310-481-4280 | ||
| Kouser Insurance Inc | 300 N LANTANA ST STE 41 93010 |
888-810-3573 | ||
| Agents Advantage Inc | 1781 Erringer Rd www.agents-advantage.com 93065-3520 |
805-526-6459 | ||
| Adam Orchard Kososki | 950 Enchanted Way Ste 106 93065-0908 |
805-522-1175 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Chris Vecchio | 4818 Fulton Ave www.vecchioinsurance.com 91423-2504 |
818-788-5222 | ||
| Chuck Hewett | 877 S Victoria Ave Ste 201 www.chuckhewett.com 93003-5349 |
805-658-1676 | ||
| Beth Shutko | 875 N Gower St www.bethshutko.com 90038-3914 |
323-462-1096 | ||
| Karen Shields | 1230 ROSECRANS AVE STE 300 90266 |
310-418-1500 | ||
| Pat Strong | 14622 VICTORY BLVD STE 201 91411 |
(818) 909-0777 | ||
| Aaron Perry | 8405a Lincoln Blvd www.aaronperryagency.com 90045 |
310-641-8990 | ||
| Bill Fraser | 17037 Chatsworth St Ste 210 www.billfraser.biz 91344-7364 |
818-366-0359 | ||
| Cassius Williams | 1000 Business Cntr Cir Ste 108 91320-1238 |
805-375-1450 | ||
| Jaime Zapata Clu | 10727 WHITE OAK AVE STE 115 91344 |
877-931-3368 | ||
| Shawn Kim | 2325 Wilshire Blvd. Santa\u00a0Monica 90403 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Browns Insurance Agency Inc. | 22736 Vanowen St Ste 205 91307-2655 |
818-715-9391 | ||
| Midwest Group Insurance Agency Inc. | 18757 Burbank Blvd Ste 104 91356 |
(818) 996-0900 | ||
| First Advantage Insurance Agency | 18631 Sherman Way Ste C 91335 |
(818) 345-2600 | ||
| Figi Insurance & Financial Services | 23502 Lyons Ave Ste 103 91321 |
(661) 254-0621 | ||
| Conway & Company Insurers | 141 Duesenberg Dr 91362-3479 |
818-889-2686 | ||
| Ron Ward Insurance | 21012 Ventura Blvd www.ronwardinsurance.com 91364 |
(818) 710-0655 | ||
| Great Oak Insurance Group | 2716 S Vermont Ave Ste 3 90007 |
(213) 481-6000 | ||
| Baltimore Insurance Network | 22127 Sherman Way 91303-1137 |
818-340-2484 | ||
| Bridge Agency Llc | 250 26th St Ste 200 www.bridgeagency.net 90402-2547 |
310-451-2233 | ||
| American Insurance Center Llc | 1425 5th St Ste B 90401-2442 |
310-395-8299 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Kurt Felgner | 7607 SANTA MONICA BLVD STE 26 90046 |
323-654-3616 | ||
| Carol Ford | 24225 Main St Ste 3 91321-3039 |
661-200-3800 | ||
| Ginger Copeland Lutcf | 1925 W Temple St Ste 206 90026 |
(213) 483-3660 | ||
| Eric Sheredy | 3303 Kimber Dr Ste D 91320 |
(805) 375-2800 | ||
| Randal Smith Cisr | 865 S Figueroa St # 3340-a 90017 |
(213) 488-0455 | ||
| Ainslee Bowers | 11239 Tampa Ave Ste 202 91326-3778 |
818-368-5678 | ||
| Cecilio Vega | 15223 Crenshaw Blvd Ste B 90249-4048 |
310-973-6044 | ||
| Jaimie Marie | 19350 BUSINESS CENTER DR #106 91324 |
888-708-4578 | ||
| Nelson Marenco | 15303 VENTURA BLVD FL 7 91403 |
(818) 464-9300 | ||
| Larry Moore | 21700 OXNARD ST STE 1200 91367 |
818-251-3100 |
| 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 Mutual | State Farm | Travelers | |
| Median Home Value ($) | 400,280 | 360,280 | 420,280 |
| Construction year | 1991 | 1976 | 1977 |
| 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% |