Thousand Oaks Insurance Rates:

Thousand Oaks, CA home insurance is nearly $566 to $766, about $47-$63/month. Our all inclusive guide shows customers can save as much as $266 by comparing multiple quotes

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Read Thousand Oaks, California Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Thousand Oaks Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $470/5 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $620,000

3 Beds, 3 Bath 2180 sqft Seasonal Residence Constructed In 1973 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1470/8 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $800,000

4 Beds, 4 Baths 2800 sqft Primary Residence Constructed In 1974 with Stone Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1120/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $530,000

4 Beds, 4 Baths 1680 sqft Primary Residence Constructed In 1973 with Linoleum, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $390/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $555,000

3 Beds, 3 Bath 2330 sqft Rental Property Constructed In 1997 with Wood Flooring, Metal Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1750/10 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $775,000

5 Beds, 5 Baths 2550 sqft Vacation Property Constructed In 1978 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1520/5 months for More than $1,000,000 Coverage
Policy Holder Home Details :

Home Value : $855,000

5 Beds, 5 Baths 2710 sqft Rental Property Constructed In 1999 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Thousand Oaks, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91360 $571,700 $660

Thousand Oaks Rates & Quotes Analysis:

Thousand Oaks Area Estimated House Insurance
N Venado Ave, Summerfield St, Kelmscott Ct, N Skyline Dr, Village 37, Cypress St, Burton St, Moberly Ct, Admiral Ct, Baccarat St$635
Rob Ct, Waterwheel Pl, White Birch Cir, Cam Durango, Fernhill Ct, Santa Monica Ct, Clear Haven Dr, Ave Amelgado, la Paloma Cir, Tottenham Ct$654
Roundtree Pl, Jensen Ct, Lindengrove St, Village 33, Ranchwood St, Lugano Way, Ashmore Cir, N Wendy Dr, Freeborn Way, N Wendy Dr$664
Harrier Ct, Pacific Cir, Spring Hill Ct, Clarendon Pl, Cll Damasco, Oak Run Trl, Lambourne Pl, Chesapeake Ct, Longview Pl, Corte Pinata$664
Cll Quebracho, Oleary Ct, Cll Alamo, N Dewey Ave, Rim Crest Dr, Longridge Ct, Olivewood Ct, N Napoleon Ave, Forest Knoll Ct, E Larkellen Ct$None
Cll Pimiento, Wicklow Ct, Oak Valley Ln, Woodview Ct, Ellen Ct, la Encina, Ave del Platino, Terra Bella Ln, Coalfax Ct, Taylor Ct$666
Cll Colina, Cam del Mar, el Azul Cir, Oldbury Pl, Mountclef Blvd, W Gainsborough Rd, Verde Ridge Ln, Moonflower Cir, Clarita Ct, Cactus Ct$660
Ulverston St, Red Barn Rd, Warwick Ave, Dutch Elm Cir, Cam Rojo, Savona Way, Farrell Cir, Wembly Ave, Jeffrey Rd, Roselawn Ave$669
Lazio Way, Lone Tree Ct, Sunstone St, Rodeo Ct, Whitworth St, Sarah Ct, Gold Hill Cir, Oakwood Dr, Par Five Ct, Winding Ln$688
E Las Posas Rd, Cedarcliff Ct, Oak Place Dr, Via Verde, Sumter Ct, Summer Cloud Dr, S Westlake Blvd, Village 16, Wetstone Ct, Hawksway Ct$713

Insurance rates are influenced by a number of factors including:

  • Year Built: 18,984 Homes (31% of total) built between 1970 to 1979 in Thousand Oaks are paying home insurance between $1,078-$1,088 in contrast with Santa Rosa Valley (+$101), Westlake Village (+$43), Oak Park (+$11), Casa Conejo (-$40) and Moorpark (-$16).
  • Bedrooms: 12,159 2 bedrooms homes (20% of total homes ) in Thousand Oaks are paying about $193 compared to Santa Rosa Valley (+$26), Westlake Village (+$15), Oak Park (+$9), Simi Valley (-$7) and Fillmore (-$6).
  • Auto Insurance Bundling: 19,469 Households (45% of all households) in Thousand Oaks have 2 vehicles available and when it is bundled with home insurance you can save $133 compared to Santa Rosa Valley ($145), Casa Conejo ($128), Lake Sherwood ($145).
  • Senior Discounts: 21,773 seniors (more than 55 years) occupied housing units (50% of total) in Thousand Oaks get discounts between $99 to $102 and varies from Santa Rosa Valley ($109), Casa Conejo ($96), Westlake Village ($103).
  • New Homes discounts: New homes such as the 16,604 homes built between 2000 to 2009 in Thousand Oaks can save $133 and similar new home insurance discounts in nearby towns and cities like Santa Rosa Valley, Casa Conejo and Lake Sherwood are $145, $128 and $145 respectively.

Thousand Oaks Homeowners insurance Facts

  • Thousand Oaks, CA has 43,125 owner occupied houses which is 75.2% of all units whereas Santa Rosa Valley, Casa Conejo and Lake Sherwood have 96.11%, 83.64% and 88.85% respectively.
  • Thousand Oaks, CA homeowners yearly insurance price at $665 is 0.11% of the typical house value of $615,400 which is in contrast with 0.07% in Santa Rosa Valley, 0.14% at Casa Conejo & 0.07% in Lake Sherwood.
  • Homeowners in Thousand Oaks, CA pay 0.99% of their income ($60,000 to $74,999) in insurance whereas homeowners in Santa Rosa Valley, Casa Conejo and Lake Sherwood pay 1.08%, 0.95% and 1.08% respectively.
  • Thousand Oaks, CA’s insurance is 1.9% of monthly housing costs of $2,986/month, for owners with a mortgage compared to 1.51% in Santa Rosa Valley, 1.99% at Casa Conejo & 1.51% in Lake Sherwood. But, for households without a mortgage, insurance is 8.8% of costs ($628 in Thousand Oaks, CA) in contrast with 6.05% in Santa Rosa Valley, 14.94% at Casa Conejo & 6.05% in Lake Sherwood.

Thousand Oaks, CA Home Values & Insurance rates

For example, insurance for 3,817 Homes (46.0% of total homes ) valued between $300,000 to $399,999 in Thousand Oaks, CA is about $372. Rates in nearby areas in such as Santa Rosa Valley, Lake Sherwood, Westlake Village are cheaper by $125, $125, $68 respectively while Casa Conejo and Moorpark are costlier by $114 and $40 respectively for similar homes.

Thousand Oaks, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 472 5.0% $26
$50,000 to $59,999 210 2.0% $53
$60,000 to $69,999 234 2.0% $66
$90,000 to $99,999 127 1.0% $99
$100,000 to $124,999 202 2.0% $113
$125,000 to $149,999 172 2.0% $146
$150,000 to $174,999 355 4.0% $172
$175,000 to $199,999 309 3.0% $199
$200,000 to $249,999 886 10.0% $239
$250,000 to $299,999 1,375 16.0% $292
$300,000 to $399,999 3,817 46.0% $372

Renters Insurance in Thousand Oaks

  • Average Renters Insurance in Thousand Oaks :  $59($4/month)

  • Median Gross Rent in Thousand Oaks :  $1,824

  • Thousand Oaks Renters Insurance to Median Rent Ratio:  0.22%

  • Renter occupied housing units in Thousand Oaks :  14,216

Thousand Oaks Renters Insurance as a Percentage of Rent

Thousand Oaks Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 243 1.0% $764
$300 to $499 350 2.0% $1214
$500 to $749 254 1.0% $1889
$750 to $999 298 2.0% $2639
$1,000 to $1,499 2,802 20.0% $3764
$1,500 or more 9,694 70.0% $5414

Rent Affordability in Thousand Oaks:

Approximately 48.0% (6,846) of households are spending more than 35% of their income on gross rent in Thousand Oaks

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,206 8.0%
15.0 to 19.9 percent 1,580 11.0%
20.0 to 24.9 percent 1,751 12.0%
25.0 to 29.9 percent 1,500 10.0%
30.0 to 34.9 percent 1,333 9.0%
35.0 percent or more 6,846 48.0%

Protective device discount in Thousand Oaks Up to :  $8

Claims-free discount in Thousand Oaks Up to :  $11