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Best Homeowners Insurance Agencies in Ventura

2024

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Providers

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Website
88 North Oak Street, Ventura, CA 93001
  • Multiple Policy Types

Why choose this provider?

Rothstein Insurance Services, Inc., secures the property and assets of homeowners in and around Ventura. It is a homeowners' insurance agency protecting client's homes from covered damages caused by accidents or natural calamities. It also offers policies that include personal belongings and other structures within the property, like garages or detached sheds. If clients are temporarily displaced from their homes due to house repair, the agency has provisions that cover temporary living expenses. Rothstein Insurance Services has been in the industry since 2005.

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 (4)
Yelp
5.0 / 5 (4)
Facebook
5.0 / 5 (2)

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
2419 E Main St 100, Ventura, CA 93003
  • Multiple Policy Types

Why choose this provider?

Hometown Insurance Services is a family-operated agency that has been providing financial protection to homeowners in Ventura since 1982. Its insurance advisors help clients understand the home insurance process, inform them of coverage options, and assess potential risks to create custom insurance solutions. Homeowners receive compensation for damages or losses due to liability claims, whether injuries are due to household pets or family members, natural disasters, vandalism, theft, and fire. They also receive guidance on the claims filing process.

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 (5)
Google
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
456 Arneill Road, Camarillo, CA 93010
  • Multiple Policy Types

Why choose this provider?

Serving clients in the Ventura area, Kerry Rafferty State Farm Insurance Agent sells homeowners insurance policies that cover clients in case of loss, theft, or damage that occurs within their home. Add-ons may include protection against floods and earthquakes, as well as medical liability. Other insurance products sold at this agency include auto, renters, and personal articles insurance. Agent Kerry Rafferty is licensed to sell insurance products throughout California and is a member of Business Network International.

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.
3.8
Facebook
4.7 / 5 (15)
Google
2.1 / 5 (7)
Yelp
3.5 / 5 (5)

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
5725 Ralston Street, Ventura, CA 93003
  • Earthquake
  • Multiple Policy Types

Why choose this provider?

Sather’s Insurance Service is a Californian insurance agency serving individuals, families, and businesses in Ventura County. The agency represents more than 50 insurance carriers to make sure clients find the best selections of homeowners' insurance coverages and policies for them. The agency also offers mobile home, condo, renters, auto, motorcycle, commercial general liability, and earthquake insurance in the entire state of California. Sather’s Insurance Service was founded in 1972 by Larry Sather and Judy Sather.

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
Google
4.9 / 5 (19)
Yelp
4.0 / 5 (10)

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
1445 Donlon Street, Ventura, CA 93003
  • Multiple Policy Types

Why choose this provider?

John E. Peakes Insurance Agency is a family-owned and operated insurance firm that has been serving Californians in Ventura since 1969. It specializes in homeowners' insurance, providing policies for traditional house owners, renters, condo dwellers, and landlords. Its homeowners' insurance plans cover physical structure damage, replacement costs, homeowners' liability, additional living expenses, and personal possessions. Supplementary policies for floods, earthquakes, personal umbrellas, vacant homes, and mold damage are also available. It also offers specialized insurances, such as restaurant insurance and wedding 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.
4.5
Facebook
5.0 / 5 (27)
Yelp
3.5 / 5 (17)
Google
5.0 / 5 (2)

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
2775 North Ventura Road, Oxnard, CA 93036
  • Multiple Policy Types

Why choose this provider?

Pacific Preferred Insurance is a state-sponsored insurance brokerage that enables residents of Ventura to access affordable insurance. Policies are available to protect clients against financial loss when their homes, autos, and other personal property are damaged or lost as a result of theft, vandalism, accidents, or disasters. Pacific Preferred Insurance Brokers is authorized to sell insurance products from a variety of top providers. That includes Berkshire Hathaway, Progressive, and Liberty Mutual.

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 (2554)
Facebook
5.0 / 5 (131)
Yelp
5.0 / 5 (12)

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 types of contents are protected under the personal property in Ventura?

    Personal property in Ventura covers contents with a higher risk of loss, such as antiques, firearms, jewelry, and fine arts. Other items protected by personal property insurance are money, silverware, furs, and collectibles. This product is usually 50% of the established amount agreed upon by the insurance company and policyholders. The latter is allowed to schedule these contents separately and purchase additional amounts of insurance to cover them.

  • Are dog attacks protected under homeowners' insurance in Ventura?

    In Ventura, attacks or bites from dogs and other pets are covered under the homeowners' insurance policy as they are considered personal property of their owners. The homeowners' insurance product is responsible for paying for death or injuries, like nerve damage and puncture wounds, resulting from dog attacks that occurred inside and outside of the liable party's premises. This policy can cover up to $100,000 in damages; however, certain dog breeds, like pit bulls and German Shepherds, are excluded from this policy.

  • How much is the homeowners' insurance policy in Ventura?

    The average cost of a homeowners' insurance policy in Ventura is between $545 and $738, or approximately $45 to $61 per month. However, certain factors may affect the product's rates, such as the qualities of homes, like safety and security features and types of structure, and the property's location. The policyholder's frequency of homeowners claims, credit history, gaps in coverage, and insurance score can also impact the cost of a homeowners' insurance policy in Ventura.

  • Does homeowners' insurance cover additional living expenses in Ventura?

    Homeowners' insurance covers additional living expenses if the residential homes in Ventura become uninhabitable due to catastrophes like windstorms, falling objects, fire surges, and explosions. It reimburses payments for restaurant expenses, hotel or short-term rental fees, and pets' boarding costs. However, the additional living expenses coverage in Ventura is limited to a percentage of another coverage limit on the policy and does not pay for damage to belongings or property structures.

  • Do homeowners' insurance policies cover landscaping damage in Ventura?

    A homeowner's insurance policy in Ventura covers landscaping damage due to a covered peril, like vandalism, lightning, or fire. However, it does not cover damage to the landscape due to storms, hail, or pests. This product also covers fallen trees if it is the neighbor's fallen tree and the accidental felling of a tree is within the covered peril. Additionally, homeowners' insurance policies may not always fund the repair and replacement of landscaping items.

  • 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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