Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Ventura, CA

Our Recommended Top 6

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 Ventura 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.

64Reviewed

40Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1591 Spinnaker Drive, Suite 205, Ventura, CA 93001

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
5.0 (4)
Facebook
5.0 (2)

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.

  • General Liability Insurance
  • Workers Compensation
  • Business Insurance

2775 North Ventura Road, Oxnard, CA 93036

Expertise.com Rating

Review Sources

Google
4.9 (2554)
Facebook
5.0 (131)
Yelp
5.0 (12)

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.

  • Multiple Policy Types

2419 E Main St 100, Ventura, CA 93003

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (1)

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.

  • Multiple Policy Types

1445 Donlon Street, Ventura, CA 93003

Expertise.com Rating

Review Sources

Facebook
5.0 (27)
Yelp
3.5 (17)
Google
5.0 (2)

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.

  • Multiple Policy Types

5725 Ralston Street, Ventura, CA 93003

Expertise.com Rating

Review Sources

Google
4.9 (19)
Yelp
4.0 (10)

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.

  • Earthquake
  • Multiple Policy Types

456 Arneill Road, Camarillo, CA 93010

Expertise.com Rating

Review Sources

Facebook
4.7 (15)
Google
2.1 (7)
Yelp
3.5 (5)

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.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Rothstein Insurance Services, Inc.
1591 Spinnaker Drive, Suite 205, Ventura, CA 93001
Pacific Preferred Insurance
2775 North Ventura Road, Oxnard, CA 93036
Hometown Insurance Services
2419 E Main St 100, Ventura, CA 93003
John E. Peakes Insurance Agency
1445 Donlon Street, Ventura, CA 93003
Sather’s Insurance Service
5725 Ralston Street, Ventura, CA 93003
Kerry Rafferty - State Farm Insurance Agent
456 Arneill Road, Camarillo, CA 93010

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.
  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.