Thousand Oaks ,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 Thousand Oaks, 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 Thousand Oaks, CA is $1419. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Thousand Oaks, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Thousand Oaks, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $568 |
| $200,000 | $965 |
| $300,000 | $1,192 |
| $400,000 | $1,816 |
| $500,000 | $2,285 |
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 Thousand Oaks, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,455 |
| $1000 Deductible | $1,301 |
| $1500 Deductible | $1,227 |
| $2500 Deductible | $1,107 |
| $5000 Deductible | $937 |
| Home Insurance Company Near Thousand Oaks, CA | Homeowners Insurance Agency Near Thousand Oaks, CA | Address |
|---|---|---|
| State Farm | Prolie Pascone | 12440 Firestone Blvd Ste 305, Norwalk, CA, 90650-4393 |
| Travelers | United Agencies Inc | 9155 TELEGRAPH RD SUITE 106, PICO RIVERA, CA, 90660 |
| Travelers | Discovery Insurance Services Inc | 3460 WILSHIRE BLVD 1200, LOS ANGELES, CA, 90010 |
| State Farm | Howard Blumberg | 31244 P Verdes Dr W Ste 221, Rch Palos Vrd, CA, 90275-5370 |
| Liberty Mutual | Lynnean Chisom | 222 N. Sepulveda Blvd Ste 2330, El Segundo, CA, 90245 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Santa Rosa Valley CDP, California | $109 | $145 | $218 |
| Casa Conejo CDP, California | $96 | $128 | $192 |
| Lake Sherwood CDP, California | $109 | $145 | $218 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Thousand Oaks, CA | 1.9% | 8.8% |
| Santa Rosa Valley | 1.51% | 6.05% |
| Casa Conejo | 1.99% | 14.94% |
| Lake Sherwood | 1.51% | 6.05% |
| 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 |
| Streets in Thousand Oaks Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Thousand Oaks | $99 to $102 |
| Santa Rosa Valley | $109 |
| Casa Conejo | $96 |
| Westlake Village | $103 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 1-3 Years | American Modern | 570 |
| 150000 | 250 | 1-3 Years | First American Ins | 336 |
| 150000 | 250 | 41-70 Years | AIG Prop Cas | 618 |
| 150000 | 500 | New | Unigard Group | 324 |
| 150000 | 500 | 4-6 Years | Amco | 365 |
| 150000 | 500 | 4-6 Years | Tokio Marine America | 234 |
| 150000 | 500 | 7-15 Years | QBE (Balboa) | 464 |
| 150000 | 500 | 41-70 Years | Encompass | 544 |
| 200000 | 500 | New | Safeco | 545 |
| 200000 | 500 | 1-3 Years | QBE (Balboa) | 480 |
| 200000 | 500 | 7-15 Years | American Reliable | 591 |
| 200000 | 500 | 16-25 Years | Grange | 517 |
| 200000 | 500 | 16-25 Years | Kemper | 574 |
| 200000 | 500 | 26-40 Years | Encompass | 676 |
| 200000 | 500 | 41-70 Years | California Capital | 582 |
| 200000 | 500 | 41-70 Years | IDS Property Casualty | 852 |
| 250000 | 1000 | 1-3 Years | Chubb/Federal | 812 |
| 250000 | 1000 | 1-3 Years | General Ins | 416 |
| 250000 | 1000 | 16-25 Years | USAA | 581 |
| 250000 | 500 | New | General Ins | 455 |
| 250000 | 500 | 4-6 Years | Western Mutual/Residence | 491 |
| 250000 | 500 | 7-15 Years | American Reliable | 714 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $3,800 |
| Yearly Thousand Oaks Homeowner Insurance Premium Example | $2,700 | $2,100 |
| Out of Pocket Expense During Claim | $800 | $3,800 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim | $17,000 | $16,400 |
| Net Savings to Thousand Oaks Home Owner from High Deductible Plan | $600 | |
| Scenario | Thousand Oaks, CA Home Replacement Value MORE than Home Value | Thousand Oaks, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $514,500 | $347,500 |
| Insurance Premium based on Replacement Value | $1,450 | $975 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $104,000 | Risk Exposure from Under Insuring Coverage is $63,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $300/year |
| Insurance Company | Farmers Insurance | State Farm | Travelers |
| Monthly Premium | 56 | 189 | 98 |
| Year Built | 1994 | 2010 | 2001 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $400000-$500000 | $700000-$800000 | $400000-$500000 |
| Deductible | > $10,000 Deductible | $1000-$2500 Deductible | $500- $1000 Deductible |