Ventura County, CA Homeowners Insurance Quotes

Shopping online for home insurance rates in Ventura County is much easier and faster with our online quoting application. We can provide the most affordable premiums and coverage options while comparing up to 12 top insurance providers to help you find the best homeowners policy for you and your family in California.

For Ventura County CA homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind or hail damage and so much more.

Ventura County Home Insurance Rates

Ventura County, CA homeowners insurance is now costing homeowners around $103.42 per month for a basic homeowners policy. For California residents, this amounts to $1241 per year for homeowners living in Ventura County, CA. In comparison, the national average for home insurance rates costs around 1,249 per year. California is ranked #24 in the country for the highest home insurance rates. Would you like to get up to 12 free competitive home insurance quotes for your home in Ventura County, CA? We can help you save up to 40% or more on these average rates. If this interest you, we look forward to working with you and providing an excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the top rates and coverage options for you.

For all Ventura County, CA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.

Are you looking for a homeowners insurance quote in Ventura County? Simply enter your zip code to get your California homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Ventura County, CA Housing Demographics

With 823,318 residents living within the Ventura County area there are over 281,695 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 197,178 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Ventura County.

Ventura County, CA Coastal Wind, Hail & Flood Information

For all homeowners living in Ventura County (FIPS: 6111), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of California is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Ventura County, CA, it's important that you look into hurricane and windstorm insurance options.

Ventura County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of California.

Helpful Articles:

• Wind & Hail Home Insurance Coverage Guide
• Am I underinsured for hurricane damage?

• Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

  As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

• Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

  Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

• 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

  A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

• What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

  If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

• 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

  The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

• 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

  California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your California homeowners insurance.

• Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Ventura County, this discount can save you up to 20% on your home insurance premium.
• Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Ventura County that do combine their home and auto can save over $500 with this discount.
• Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Ventura County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
• Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
• Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.