Oxnard ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Oxnard, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Oxnard, CA is $1351. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Oxnard, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Oxnard, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $540 |
| $200,000 | $919 |
| $300,000 | $1,135 |
| $400,000 | $1,729 |
| $500,000 | $2,175 |
Home insurance costs in Oxnard can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 093035 | $1,313 |
| 93030 | $1,290 |
| 93033 | $1,270 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Oxnard, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,385 |
| $1000 Deductible | $1,239 |
| $1500 Deductible | $1,169 |
| $2500 Deductible | $1,054 |
| $5000 Deductible | $892 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Oxnard, CA | 2.3% | 12.6% |
| Port Hueneme | 2.53% | 10.78% |
| Camarillo | 2.0% | 11.38% |
| Channel Islands Beach | 1.68% | 10.22% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Oxnard | $93 to $95 |
| Port Hueneme | $92 |
| Camarillo | $96 |
| Channel Islands Beach | $103 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 4-6 Years | AIG Prop Cas | 553 |
| 150000 | 250 | 41-70 Years | American Modern | 782 |
| 150000 | 500 | New | Hartford (Sentinel) | 535 |
| 150000 | 500 | New | Nationwide | 268 |
| 150000 | 500 | New | Western Mutual/Residence | 290 |
| 150000 | 500 | 1-3 Years | Mercury Ins Group | 256 |
| 150000 | 500 | 4-6 Years | American Security | 329 |
| 150000 | 500 | 4-6 Years | Stillwater Ins Co | 343 |
| 150000 | 500 | 4-6 Years | Universal North America | 334 |
| 150000 | 500 | 7-15 Years | QBE (Balboa) | 450 |
| 150000 | 500 | 16-25 Years | Pacific Specialty | 567 |
| 150000 | 500 | 26-40 Years | American Modern | 643 |
| 150000 | 500 | 26-40 Years | American Reliable | 560 |
| 200000 | 500 | New | AAA (Interinsurance Exchange) | 222 |
| 200000 | 500 | New | MAPFRE Group | 300 |
| 200000 | 500 | 1-3 Years | Tokio Marine America | 295 |
| 200000 | 500 | 4-6 Years | Metropolitan Direct | 597 |
| 200000 | 500 | 7-15 Years | IDS Property Casualty | 671 |
| 250000 | 1000 | New | American Security | 381 |
| 250000 | 1000 | 4-6 Years | Metropolitan Direct | 661 |
| 250000 | 1000 | 4-6 Years | Nationwide | 512 |
| 250000 | 1000 | 7-15 Years | Homesite | 884 |
| 250000 | 1000 | 7-15 Years | Horace Mann | 496 |
| 250000 | 1000 | 7-15 Years | Pacific Specialty | 644 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | GEICO Insurance | Liberty Mutual | Chubb Group of Insurance |
| Monthly Premium | 73 | 68 | 57 |
| Year Built | 1994 | 1979 | 1981 |
| Home Details | 4 Beds, 1 Baths | 2 Beds, 1 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $400000-$500000 | $300000-$350000 | $350000-$400000 |
| Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible | > $10,000 Deductible |