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2024

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Best Homeowners Insurance Agencies in Thousand Oaks, CA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Thousand Oaks Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

80Reviewed

50Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1534 North Moorpark Road, Thousand Oaks, CA 91360

Expertise.com Rating

Why choose this provider?

American P&C Insurance Services serves homeowners in and around Thousand Oaks as a homeowners' insurance agency. It protects its clients' families and assets when the home has been damaged by fires or other natural disasters such as storms, strong winds, and hails. It also secures clients if they become victims of theft or vandalism. Guests who suffer from loss or accidents within the clients' property are also covered by policies from the agency. American P&C Insurance Services has been supporting the community since 1990.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

3525 Old Conejo Road, Thousand Oaks, CA 91320

Expertise.com Rating

Review Sources

Google
5.0 (106)
Facebook
4.4 (17)
Yelp
5.0 (16)

Why choose this provider?

Thousand Oaks Insurance Agency is an independent agency shopping for insurance coverages for local clients looking for homeowners insurance. Advisors find multiple carriers and assess insurance rates and coverages suited for possible policyholders. Homeowners' insurance coverages include dwelling, personal belongings, living expenses due to property loss, medical expenses, personal liability, and special coverage for valuable items such as jewelry, guns, and collectibles. The insurance specialists also review policies and discuss with clients their insurance limitations.

  • Homeowners
  • Landlords
  • Renters

2829 Townsgate Road Suite 100, Westlake Village, CA 91361

Expertise.com Rating

Review Sources

Yelp
4.5 (9)
Google
5.0 (3)
Facebook
5.0 (2)

Why choose this provider?

Integrity First Insurance Services, Corp., is an independent insurance company that offers tailored policies for clients based in Thousand Oaks. Its insurance agents assist clients in determining the correct amount of homeowners' insurance to cover rebuilding costs and replacement of belongings after suffering a loss. It also covers additional living expenses and personal liability. Integrity First Insurance Services, Corp., also provides commercial insurance that includes fiduciary liability, bonds or surety, and workers' compensation.

  • Condos
  • Multiple Policy Types
  • Multiple Carriers

3262 Thousand Oaks Boulevard, Thousand Oaks, CA 91362

Expertise.com Rating

Review Sources

Facebook
4.6 (9)

Why choose this provider?

Timothy Falsken works for Farmers Insurance as a home insurance agent; he caters to homeowners in Thousand Oaks. He educates clients about available home insurance options, helping them design insurance policies that match their lifestyle and needs. Homeowners receive assistance in identifying appropriate coverage types, such as compensation for property damage due to vandalism and accidental events, replacement of destroyed or damaged items, and injury liabilities. Falsken also offers enhanced homeowners' insurance plans for extended coverage limits.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

199 Thousand Oaks Boulevard, Thousand Oaks, CA 91360

Expertise.com Rating

Review Sources

Google
5.0 (23)
Yelp
5.0 (7)

Why choose this provider?

Geoff Avery is a State Farm insurance agent located in Thousand Oaks. Geoff offers multiple insurance products including homeowners' insurance. The agent creates home insurance policies that protect personal properties even when the owner is on vacation. The insurance professional also provides plans that cover property damage caused by lightning, fire, wind, or hail. Geoff carries over three decades of experience in the insurance industry. He is available on weekends and after office hours by appointment.

  • Multiple Policy Types

2219 Thousand Oaks Boulevard, Thousand Oaks, CA 91362

Expertise.com Rating

Review Sources

Google
5.0 (11)
Yelp
5.0 (10)

Why choose this provider?

Kehl Insurance Services is an insurance agency that is located in Thousand Oaks. It is comprised of home insurance specialists who provide custom packages that suit the client's personal needs. The agency represents multiple companies, including Zurich, Principal, Travelers Flood Insurance, and Symetra Financial. Its homeowners' insurance policy covers structural damage, personal property, liability, medical bills, and living expenses. Additional lines of insurance are also offered to rental dwellings, secondary residences, high-value homes, and vacation properties.

  • Earthquake
  • Fire
  • Flood

25 West Rolling Oaks Drive, Thousand Oaks, CA 91361

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Weeks & Associates Insurance Services is a Thousand Oaks independent agency that provides a variety of personal and business insurance policies. The company offers personalized homeowners' insurance that can help protect clients' homes from liability risks and threats. It also allows clients to add on optional coverage options, such as earthquake or flood insurance. Weeks & Associates Insurance Services represents several insurance companies, including Aegis Specialty Insurance Services, Allied Insurance, Bristol West, CSE Insurance Group, CNA, and Foremost Insurance Group.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
American P&C Insurance Services
1534 North Moorpark Road, Thousand Oaks, CA 91360
Thousand Oaks Insurance Agency
3525 Old Conejo Road, Thousand Oaks, CA 91320
Integrity First Insurance Services, Corp.
2829 Townsgate Road Suite 100, Westlake Village, CA 91361
Timothy Falsken - Farmers Insurance
3262 Thousand Oaks Boulevard, Thousand Oaks, CA 91362
geoffavery.com
199 Thousand Oaks Boulevard, Thousand Oaks, CA 91360
Kehl Insurance Services
2219 Thousand Oaks Boulevard, Thousand Oaks, CA 91362
Weeks & Associates Insurance Services
25 West Rolling Oaks Drive, Thousand Oaks, CA 91361

FAQs

  • 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.
  • Why should you consider optional coverage for extended replacement costs on your homeowner's insurance in Thousand Oaks?

    Adding an extended replacement cost to your homeowner's insurance policy can be advantageous, especially as construction costs rise. Construction costs typically rise after major disasters strike. This add-on covers up to 20% to 25% more than the coverage limit based on standard building supplies. If you want to rebuild features such as antique floors or stained glass windows in your Thousand Oaks home, you should consider purchasing a rider or restoration-cost policy.

  • Why is an appraisal process done to resolve a homeowner's insurance claim dispute in Thousand Oaks?

    If the policyholder and the insurance company cannot agree on the amount of loss, an appraisal process is one option for resolving the dispute. It is a non-discovery procedure that excludes interrogatories, depositions, and requests for admission. Each party appoints its own appraiser, who must also select an umpire on whom both parties agree. If there are unresolved issues, these appraisers will try to reach an agreement before voting. In Thousand Oaks, the prevailing party will be awarded based on a unanimous decision or a two-out-of-three vote.

  • Can you use a homeowner's insurance to cover a vacation home in Thousand Oaks?

    No, you cannot. You must purchase Thousand Oaks vacation home insurance. It differs from homeowner's insurance in that it covers a property that is not occupied most of the time. Insurers typically view these types of properties as having a higher risk of theft, burglary, and vandalism losses. This means that the policy will specify a set of events that the insurance will cover, which can include fire, lightning, explosions, and smoke.

  • Does homeowner's insurance in Thousand Oaks cover mold problems?

    If the mold problems were caused by an unintentional discharge of water or steam, homeowner's insurance may cover them. Mold problems behind the walls, ceiling, or floors are acceptable as long as the cause is not poor maintenance of leaky pipes or high humidity due to neglect. A policyholder in Thousand Oaks should carefully review their insurance for exclusions and coverage details.

  • Would you be refunded if you cancel a homeowner's policy in Thousand Oaks?

    When you cancel a Thousand Oaks homeowner's policy, you have the right to a refund. Many insurance companies allow policyholders to cancel at any time and have their unused premiums refunded. However, a few companies charge a penalty fee, also known as a short-rate cancellation. The California Department of Insurance requires insurers to provide refunds within 25 days of the policyholder initiating the cancellation.

  • 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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