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2025

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Best Renters Insurance Companies in Oxnard, CA

Our Recommended Top 4

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Oxnard renters insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

79Reviewed

49Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Renters Insurance Companies Serving Oxnard
970 South Petit Avenue, Ventura, CA 93004
Visit WebsiteLicense: 0804331

Expertise.com Rating

Review Sources

Google
5.0 (87)
Facebook
4.8 (37)
Yelp
5.0 (19)

Why choose this provider?

Dena Rogers is a State Farm insurance professional who serves Oxnard. Included in her line of services is renters' insurance which covers additional living expenses in the event that the policyholder's home becomes inhabitable due to a covered loss. In addition, it provides protection from theft, vandalism, and natural disasters. Rogers, who has a background in organizational development and business management, has been a State Farm agent for 30 years. She volunteers for the California Little League District 63.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Oxnard
1215 Saviers Road, Oxnard, CA 93033
Visit WebsiteLicense: 0G66001

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (1)

Why choose this provider?

Founded in 2009, A.M. Insurance Agency is a full-service independent agency that covers clients in Oxnard and nearby communities. It provides renters' insurance to cover unexpected damages or losses such as extreme weather, theft of jewelry, and vehicular accidents. It can also recommend specialized coverages like medical liabilities and temporary living expenses. The agency caters to tenants of townhouses, duplexes, condos, apartments, and other rental properties. Its founder, Sergio Cahuantzi, is a former Army veteran who also caters to Spanish-speaking clients.

  • Multiple Policy Types
  • Multiple Carriers

Best Renters Insurance Companies Serving Oxnard
344 South 5th Street, Oxnard, CA 93030
Visit WebsiteLicense: 0G83993

Expertise.com Rating

Review Sources

Facebook
4.3 (5)
Yelp
5.0 (5)
Google
5.0 (4)

Why choose this provider?

Smart Buy Insurance Center provides renter's insurance policies to clients in Oxnard and the nearby areas. Its policies include personal liability protection, loss of use, worker's compensation coverage, and guest medical protection. The agency also provides condominium owners insurance policies that cover additional living expenses and units rented to others. It offers specialty policies for travel trailers, motorcycles, pleasure boats, and motor homes. The family-operated insurance agency has more than two decades of experience in the industry.

  • Multiple Policy Types

Best Renters Insurance Companies Serving Oxnard
1824 Saviers Road, Oxnard, CA 93033
Visit WebsiteLicense: 0K97762

Expertise.com Rating

Review Sources

Facebook
4.8 (17)
Google
4.6 (7)
Yelp
5.0 (1)

Why choose this provider?

Ceja Insurance Agency is a full-service insurance agency located in Oxnard. Its team of insurance agents has been serving the local community since 2017. It offers insurance products from a wide range of carriers, such as Kemper, Infinity, and Mercury Insurance Group. The agency specializes in policies that provide coverage for life, automobile, renters, home, and motorcycles. The company's staff has been praised for being friendly and accommodating of client queries.

  • Multiple Policy Types

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Dena Rogers
970 South Petit Avenue, Ventura, CA 93004
View More
A.M. Insurance Agency
1215 Saviers Road, Oxnard, CA 93033
View More
Smart Buy Insurance Center
344 South 5th Street, Oxnard, CA 93030
View More
Ceja Insurance Agency
1824 Saviers Road, Oxnard, CA 93033
View More

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Oxnard, CA Renters Insurance FAQs

  • What is the average cost of renters' insurance in Oxnard?

    In Oxnard, the average cost of renters' insurance is $15 per month or $174 per year. However, these rates might change, depending on the policyholder's personal property and liability coverage amount. Moreover, if they are residing in places with high crime rates, they will pay more expensive renters' insurance premiums.

  • Is water damage always covered by renters' insurance in Oxnard?

    No, water damage is not always covered by renters' insurance in Oxnard. If your personal belongings are damaged by flood, the replacement cost of your items will not be covered by the policy. You may purchase separate flood insurance from the National Flood Insurance Program to help you pay for out-of-pocket expenses in case your valuables get damaged.

  • What are the different ways to obtain renters' insurance discounts in Oxnard?

    In Oxnard, you may obtain renters' insurance discounts if you have no claims history and have a credit score higher than 700. You may also have insurance discounts if you invest in protection devices like burglar alarms and fire extinguishers. Additionally, if you bundle your renters' insurance with other personal protection plans, you can reduce your insurance costs.

  • Why do you need renters' insurance in Oxnard?

    You need renters' insurance in Oxnard because your landlord is only responsible for the damaged building in case unexpected perils happen. If, for example, your personal possessions like computers, clothing, and furniture are damaged by fire or theft, you need to spend a large amount of money for their replacement cost. If you have renters' insurance, you can prevent out-of-pocket expenses because it will help you pay for the replacement cost of your personal items.

  • Does renters' insurance in Oxnard cover earthquake damage?

    No, renters' insurance in Oxnard does not cover damage resulting from an earthquake. Even if a landlord has earthquake insurance, tenants' personal valuables are still not covered. They are advised to have earthquake insurance to prevent 100% responsibility in case they need to repair or replace their damaged or broken belongings.