Oxnard Insurance Rates:

Oxnard, CA homeowners insurance is nearly $528 to $715, about $44-$59/month. Our extensive analysis reveals consumers can save upto $248 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Initially, i got a quote with state farm, but it did not fit my budget. months later state farm contacted me with a better deal.
Old Republic Home Protection
One thing that i liked about my home warranty was that it was pretty much all inclusive(mostly). i had the top of the line home warranty plan and it covered a lot of items that would normally cost a lot of money, however, the company had provided with reasonable price to me
First American Home Warranty
My insurance company is so expensive. i wish that i could pay less for the services offered.
Allstate
I really have had no interaction with the customer service. It's a big company so it's probably not very personal.
Geico
Geico has made it very easy to bundle my Home and Auto insurance. Being able to bundle both insurances has helped to slightly reduce my monthly payments.
State Farm
I do use the website or the mobile app I have never called my local office.
Geico
I have nothing negative to say about this company. Although we have never had to file a claim with this company, I feel that the customer service we receive, whenever we have had to deal with them, is a good indication of the service we would receive should it be necessary to file a claim.
State Farm
I have contacted my agent on many occasions, and they have always been courteous and prompt in answering my questions or concerns.
Nationwide
This bill is not broken down in quarterly or hi-tech payments when the bill premium is mailed to you.
Geico
Not dislike at this time. I will be redoing the wiring on the home in the future and when I do the premium will go down.
Farmer's Insurance
The coverage's with the premium, the follow up they do and the emails I receive checking on us. The annual evaluation of the property to see if more coverage is needed.
Liberty Mutual
I have been happy so far with Liberty Mutual. We have no real problems with this company and it seems like a reasonably good and ethical company to do business with.
State Farm
I would recommend this company for home insurance because they are trustworthy, honest, and know how to give you a deal. I have recommended this company to many other friends.
Allstate
they have very helpful customer services that provide very good help and the prices are reasonable and affordable for my family and me
Progressive
I am very much satisfied with the services provided by my home insurance company.They Provide easy premiums and will be paid through online.
Fremont Home Insurance
Overall, they over decent coverage to an older house that is difficult to insure. They give me basic protection in my home so that I won't have to start from scratch if something damages my home. However, it doesn't have everything a full homeowners policy would include.
Travelers
I have no dislikes about the company except that the premium is a little high.
Geico
I dislike that Geico representatives don't have any rewards, low payment offers or advantages for successfully not filing a claim each year.
Geico
I like that they are a reputable nationwide company, with solid customer support both on the phone and through email, and they have capable reps who can help me through the entire process.
Allstate
They do not have a branch near my home which makes it sometimes difficult to speak to someone in person. But that does not deter me from using them as my policy.

Oxnard, CA Homeowners Insurance By Home Value

Oxnard, CA Home Value Total Homes % of Total Average Oxnard, CA Homeowners Insurance
Less than $50,000 1,289 5.0% $43
$70,000 to $79,999 267 1.0% $130
$80,000 to $89,999 237 1.0% $149
$100,000 to $124,999 414 1.0% $199
$125,000 to $149,999 477 2.0% $248
$150,000 to $174,999 722 3.0% $292
$175,000 to $199,999 991 4.0% $335
$200,000 to $249,999 3,446 15.0% $404
$250,000 to $299,999 4,542 20.0% $497
$300,000 to $399,999 9,196 41.0% $634

Top Home Insurance Agents Near Oxnard, CA

Home Insurance Company Near Oxnard, CA Homeowners Insurance Agency Near Oxnard, CA Address
NA Scherer-Mcmullen Insurance Agency, Llc P O Box 1298 Redondo Beach, Redondo Beach, CA, 90278
State Farm Allyson Weber 2318 S Union Ave, Los Angeles, CA, 90007-1843
State Farm Chris Munoz 4818 Fulton Ave, Sherman Oaks, CA, 91423
State Farm Tom Brundidge 214 Standard Street, El Segundo, CA, 90245-3865
Farmers Vivian Kim 3250 Wilshire Blvd Ste 1903, Los Angeles, CA, 90010

Cost Of Homeowners Insurance By Street Near Oxnard, CA

Streets in Oxnard Area Homeowners Insurance Cost
Lanyard Way, King St, Clover Dr, Cleveland Dr, Dunes Cir, M St, Little Farms Rd, San Mateo Pl, Dunsmuir St, Arcadian Shores Trl$610
E 1st St, S M St, W Hueneme Rd, Sycamore St, Gracia Dr, Gloriosa Ct, Terrier St, Dock Rd, E Date St, Napoli Dr$602
Lavanda Dr, N Garfield Ave, Olga St, Saratoga St, el Greco Dr, E Thompson Blvd, Conner Dr, E Bard Rd, Seashore Ct, Talos Ave$629
Junewood Ct, Vessel Way, Yucca St, Diaz Ave, Ivory Way, Borrego Way, la Canada Ave, el Dorado Ave, Spur Dr, Crawford St$609
Howell Rd, Redwood St, Myrna Dr, Sutter Pl, Vaquero Creek, Fairmont Ln, Lassen St, Jerry Dr, Ivywood Dr, San Simeon Dr$623
Anchorage St, W 3rd St, Blackberry Cir, Sunfish Way, W Alta Green, Oarfish Ct, Hughes Dr, San Tropez Creek, Brucker Rd, Dupont St$616
Tulare Pl, Lobelia Dr, Seamist Ct, Minna St, Elder St, Jefferson Sq, S Victoria Service Ave, Beachcomber St, Daffodil Way, Tulipan Dr$682
Oarfish Ln, Yale Ct, Althea Ct, San Gorgonio St, Portola Rd, Belleza Dr, Wilson Ave, E Juniper St, S N St, M Ct$631
Phoenix Cir, 4th Pl, Moraine Way, Posada Dr, Yukonite Pl, Olds Rd, E 3rd St, Claremont Dr, Trinity Pl, N Grant Ave$606
Meta St, Eva St, Lemon Grove Ave, Napa St, Chesapeake Dr, Joyce Pl, W Roderick Ave, Balboa St, Richmond Ave, W Dorris Ave$634

Oxnard, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oxnard$93 to $95
Port Hueneme$92
Camarillo$96
Channel Islands Beach$103

Oxnard, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Port Hueneme city, California $77 $103 $154
Camarillo CCD, Ventura County, California $81 $107 $161
Channel Islands Beach CDP, California $87 $115 $173

Oxnard, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Oxnard, CA2.3%12.6%
Port Hueneme2.53%10.78%
Camarillo2.0%11.38%
Channel Islands Beach1.68%10.22%

Oxnard Renters Insurance as a Percentage of Rent

Oxnard Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 710 2.0% $788
$300 to $499 1,000 3.0% $1238
$500 to $749 1,698 6.0% $1913
$750 to $999 3,779 13.0% $2663
$1,000 to $1,499 10,220 36.0% $3788
$1,500 or more 10,219 36.0% $5438

Average Cost Of Home Insurance By Company In Areas Nearby Oxnard For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002504-6 YearsAIG Prop Cas553
15000025041-70 YearsAmerican Modern782
150000500NewHartford (Sentinel)535
150000500NewNationwide268
150000500NewWestern Mutual/Residence290
1500005001-3 YearsMercury Ins Group256
1500005004-6 YearsAmerican Security329
1500005004-6 YearsStillwater Ins Co343
1500005004-6 YearsUniversal North America334
1500005007-15 YearsQBE (Balboa)450
15000050016-25 YearsPacific Specialty567
15000050026-40 YearsAmerican Modern643
15000050026-40 YearsAmerican Reliable560
200000500NewAAA (Interinsurance Exchange)222
200000500NewMAPFRE Group300
2000005001-3 YearsTokio Marine America295
2000005004-6 YearsMetropolitan Direct597
2000005007-15 YearsIDS Property Casualty671
2500001000NewAmerican Security381
25000010004-6 YearsMetropolitan Direct661
25000010004-6 YearsNationwide512
25000010007-15 YearsHomesite884
25000010007-15 YearsHorace Mann496
25000010007-15 YearsPacific Specialty644

Oxnard, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Oxnard Homeowner Insurance Premium Example $1,400$1,000
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,800$10,000
Net Savings to Oxnard Home Owner from High Deductible Plan $800

Oxnard, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oxnard, CA Home Replacement Value MORE than Home Value Oxnard, CA Home Replacement Value LESS than Home Value
Replacement Value $111,000 $75,500
Insurance Premium based on Replacement Value $300 $200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,000 Risk Exposure from Under Insuring Coverage is $23,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $25/year

Example Oxnard Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceLiberty MutualChubb Group of Insurance
Monthly Premium 736857
Year Built 199419791981
Home Details 4 Beds, 1 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $400000-$500000$300000-$350000$350000-$400000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Oxnard, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1989 195,000 Asphalt Shingles Roof 1,290 3 $500 Deductible 120 2 Stucco siding No
2012 295,000 Slate Shingles Roof 1,790 2 $500- $1000 Deductible 700 8 Wood siding yes
1971 900,000 Composition Roof 4,370 5 $500- $1000 Deductible 1920 8 Stucco siding yes
1961 235,000 Composition Roof 1,560 2 $2500-$5000 Deductible 400 9 Vinyl siding No
1997 600,000 Metal Roof 2,990 4 $1000-$2500 Deductible 290 2 Fiber-Cement Siding yes
2010 230,000 Composition Roof 1,120 2 $500 Deductible 300 5 Brick siding yes
1998 240,000 Asphalt Shingles Roof 1,210 3 $2500-$5000 Deductible 330 7 Fiber-Cement Siding No
1995 330,000 Composition Roof 1,750 5 $500 Deductible 400 5 Wood siding yes
1982 370,000 Wood Shake Roof 1,920 4 $5000 to $10,000 Deductible 260 4 Stucco siding No
1976 750,000 Metal Roof 4,190 5 > $10,000 Deductible 210 2 Stucco siding yes
1964 490,000 Asphalt Shingles Roof 3,480 5 > $10,000 Deductible 460 6 Wood siding yes
1985 280,000 Metal Roof 1,860 4 > $10,000 Deductible 500 9 Wood siding No
1984 330,000 Asphalt Shingles Roof 1,780 2 $500 Deductible 220 2 Stone Siding No
1964 215,000 Tile Roof 1,200 2 $500 Deductible 180 4 Stone Siding No
1999 220,000 Slate Shingles Roof 1,230 2 $500- $1000 Deductible 490 10 Fiber-Cement Siding yes
1978 190,000 Shingles Roof 1,150 2 $500 Deductible 300 5 Brick siding yes
1983 320,000 Slate Shingles Roof 1,870 3 $500 Deductible 450 6 Brick siding No
2011 280,000 Asphalt Shingles Roof 1,700 3 $1000-$2500 Deductible 280 4 Fiber-Cement Siding No
1988 320,000 Metal Roof 2,230 4 $1000-$2500 Deductible 680 9 Vinyl siding No
2011 400,000 Wood Shake Roof 2,500 4 $500 Deductible 640 5 Wood siding No
1999 410,000 Asphalt Shingles Roof 2,240 3 $1000-$2500 Deductible 60 1 Stucco siding yes
1985 550,000 Asphalt Shingles Roof 2,800 4 $5000 to $10,000 Deductible 150 2 Wood siding yes
2014 270,000 Asphalt Shingles Roof 1,790 2 $1000-$2500 Deductible 350 5 Stucco siding yes
2013 285,000 Wood Shake Roof 1,530 2 $2500-$5000 Deductible 100 2 Fiber-Cement Siding yes
1968 465,000 Wood Shake Roof 2,770 4 > $10,000 Deductible 520 6 Fiber-Cement Siding yes
2010 260,000 Asphalt Shingles Roof 1,340 2 > $10,000 Deductible 240 8 Stucco siding yes
1974 215,000 Tile Roof 1,480 3 > $10,000 Deductible 90 5 Stucco siding yes
1970 325,000 Metal Roof 2,210 3 $2500-$5000 Deductible 620 9 Vinyl siding yes
1990 400,000 Wood Shake Roof 2,010 3 $500- $1000 Deductible 120 1 Fiber-Cement Siding yes
2007 440,000 Composition Roof 1,762 3 $500- $1000 Deductible 760 6 Stone Siding No