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Best Homeowners Insurance Agencies in Oxnard

2024

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Providers

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Website
3525 Old Conejo Road, Thousand Oaks, CA 91320
  • Earthquake
  • Multiple Policy Types
  • Fire

Why choose this provider?

Thousand Oaks Insurance Agency does business with clients throughout the Oxnard metro area and offers complete services for homeowners insurance needs. This agency is experienced with many scenarios that lead to housing damage and works to protect clients from these scenarios by selling them homeowners insurance policies and ensuring that they obtain the right amounts of coverage for their properties. Both landlord and renters insurance policies are available here. Thousand Oaks Insurance Agency sells auto, recreational, and boat insurance policies too.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
505 South A Street, Oxnard, CA 93030
  • Renter's Insurance
  • Flood
  • Fire
  • Earthquake

Why choose this provider?

Jones & Maulding Insurance Agency is a full-service insurance company that has been serving the Oxnard metro area since 1952. The firm assists private residence owners in safeguarding their homes and personal valuables through its homeowners' insurance policies. Its agents guide customers in choosing the right coverage and deduction plans that are akin to their priorities. Other offerings include auto, life and health, and business insurance packages. The company also serves clients in Agoura Hills, Malibu, Camarillo, Ventura, and Westlake Village.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
99 Long Court, Thousand Oaks, CA 91360
  • Renter's Insurance
  • Earthquake

Why choose this provider?

ISU Insurance Services - The F & I Agency is an independently owned and operated insurance company serving the community of Oxnard. The agency represents a variety of providers, such as Nationwide, The Hartford, and Liberty Mutual. Its team gives clients a wide range of options for their homeowners insurance to cover damages from falling objects, storms, and fires. The company also offers coverage for traditional and vintage cars, boats, and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2219 Thousand Oaks Boulevard, Thousand Oaks, CA 91362
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Kehl Insurance Services is a homeowners' insurance agency that serves clients in Oxnard and throughout its nearby areas. It offers policies from an array of providers, including The Cincinnati Insurance Companies and United Home Insurance Co. Policies can include coverage for living expenses, medical expenses, property repairs, personal property loss, and liability. Kehl Insurance Services also offers several other types of insurance. That includes auto, life, and business insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (11)
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1215 Saviers Rd, Oxnard, CA 93033
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

A.M. Insurance Agency, established in 2009, is an insurance agency based in Oxnard that dedicates itself to providing insurance education and policies to its customers. The agency offers homeowners insurance to help bring customers security and peace of mind. The policies can usually cover interior or exterior damage, an injury occurring on the property, and damage or loss of personal belongings. Beyond homeowners insurance, A.M. Insurance Agency provides renters insurance, auto and motorcycle insurance, small business insurance, and general liability insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2711 South Rose Avenue, Oxnard, CA 93033
  • Renter's Insurance

Why choose this provider?

Ray Gonzales- State Farm Insurance Agent provides insurance solutions for families and individuals in Oxnard seeking to protect their homes and belongings. Gonzales and his team are bi-lingual and can accommodate clients who are fluent in Spanish. They provide insurance policies covering expenses resulting from potential theft, sudden water loss incidents, and natural calamities. Ray Gonzales guides homeowners who want to learn the appropriate coverage amount for their homes by helping them determine the market value and replacement cost of their properties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (325)
Yelp
5.0 / 5 (86)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1000 Town Center Drive, Oxnard, CA 93036
  • Multiple Policy Types

Why choose this provider?

Vista West Insurance Services is an Oxnard-based company carrying a wide array of insurance products. This firm offers homeowner policies with comprehensive coverage for different home types, such as rental dwellings, beach homes, secondary dwellings, and high-value units. Aside from property repairs, its comprehensive plans cover financial risks due to theft, fire, or liabilities in cases of injury, including related medical expenses. Additionally, property owners receive assistance for living expenses in complete home loss situations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (6)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2775 North Ventura Road, Oxnard, CA 93036
  • Renter's Insurance
  • Personal Property Insurance
  • Flood
  • Fire
  • Earthquake
  • Condos

Why choose this provider?

Pacific Preferred Insurance Brokers is a team of insurance agents based in Oxnard. The company offers a wide range of insurance products, including home insurance. A standard home insurance policy includes coverage for the property, for other structures around the property, and for personal property. Additional coverages include tree and shrub damage, debris removal, and repairs. Pacific Preferred Insurance Brokers provides insurance products from various carriers, including MetLife, Zurich, and Prudential. The agency has been in service since 2011.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (2319)
Facebook
5.0 / 5 (111)
Yelp
4.5 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What should you do before filing a property claim in Oxnard?

    Read the declarations page of your homeowner's insurance policy right away. Do your best to comprehend the policy's provisions by conducting internet research and inquiring with your insurance agent if you have any further questions. Be aware that there is a lot of math involved in calculating the proceeds you will receive for replacing or repairing your Oxnard home, keeping it up to code, and removing debris. If you require assistance with your claim, call the California Department of Insurance's Consumer Hotline at 1-800-927-4357.

  • Can you get discounts on your homeowner's insurance policy in Oxnard if you follow the Safer from Wildfires guidelines?

    Yes, homeowners in Oxnard can expect some insurance premium reductions if they follow the Safer from Wildfires guidelines. According to the California Deputy Insurance Commissioner, discounts will be based on the property's characteristics and the actions taken by the owner. Homeowners in Ventura County have recently received notices from their insurers regarding the wildfire risks to their property and what they must do about it. This appears to be the insurance industry's response to the California Insurance Commissioner's new rules, which will take effect in April 2023.

  • How long does it take to settle a homeowner's insurance claim in Oxnard?

    A homeowner's insurance claim typically takes 18 days to settle. However, due to the recent influx of weather-damage-related claims, insurance companies have had a lot on their plate and experienced some backlog, resulting in a longer settlement timeframe. The state requires Oxnard insurers to settle claims within 85 days and to take specific actions within specific timeframes. Some of these actions include sending an acknowledgement letter to the policyholder within 15 days of filing a claim and issuing a decision within 40 days of filing a claim.

  • Is the homeowner responsible for clearing debris after property damage in Oxnard?

    It all depends on the policy. The homeowner must check their insurance policy for debris removal coverage. They can also inquire with the City of Oxnard about any government programs for debris removal following natural disasters. For more information on disposal and recycling programs, call (805) 385-8060 or email callcenterpw@oxnard.org.

  • What are the property hazards for homeowners in Oxnard?

    51% of homes in Oxnard are at risk of wildfire, while 35% and 19% of buildings are at risk of flooding and fire, respectively. The area's drought risk is very high, with a rating of 72 out of 100. Because the metro is a beach community, homes near the sea may be vulnerable to tsunamis. Property crime, in addition to natural disasters, can pose a risk to homeowners, as Oxnard has a higher crime rate than most communities in the country.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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