Ventura, CA Homeowners Insurance

Ventura is a small coastal city in California famous for its beaches and great vibes. The population in this small city is 107,910. It is a favorite tourist spot and homeowners in Ventura are aware of this. If you are a homeowner here, you’re probably used to seeing all kinds of people who have come to visit your beautiful town. 

How Much Does Ventura Homeowners Insurance Cost?

The average homeowners’ insurance premium in Ventura is $756. This is less than the state’s average and almost half of the national average. In California, the average homeowners’ insurance premium is $1,868. The national average is $1,548.

Average Homeowners Insurance Premium in Ventura Vs State and National Averages

PlaceAverage Homeowners Insurance Premium
Ventura$756
California$1,173
USA$1,444

Ventura Homeowners Insurance Rates by Company

Horace Mann provides the cheapest homeowners insurance in Ventura at $419. Farmers is also a great deal with an insurance premium of a little below $500. The most expensive homeowners insurance providers in Ventura are Pacific Speciality, American Modern, and Chubb which offer homeowners insurance at $800+. 

Homeowners Insurance Rates In Ventura By Company

Insurance CompanyAverage Insurance Rate (Annual)
Horace Mann$419
Farmers$496
California Casualty$515
General Ins$637
AIG Prop Cas$712
Pacific Speciality$825
American Modern$941
Chubb/Federal$974

Ventura Homeowners Insurance Rates by Coverage Amount

Dwelling coverage is an important part of your overall home insurance policy. It covers your home structure, excluding the land and your home’s contents. Your Ventura homeowners insurance for $150,000 dwelling coverage can cost from $328 to $396 depending on the insurance provider. Kemper provides a $150k dwelling coverage for $328 per year while California Capital does the same at $396. 

Ventura Homeowners Insurance Cost by Coverage Amount

CoverageCompanyAverage Insurance Price (Annual)
$150,000 dwellingKemper$328
$150,000 dwellingCalifornia Capital$396
$200,000 dwellingIntegon$612
$200,000 dwellingAmerican Modern Ins$667
$250,000 dwellingCalifornia Casualty$786
$250,000 dwellingIntegon$802

Ventura Homeowners Insurance Rates by Home Value

Based on your home value, your Ventura homeowners insurance rates can range from $38 to $513. Home insurance rates in Ventura with a home value of $100k – $125k costs $155. If the home value is over $300k, the Ventura homeowners insurance premium rises to $513.

Homeowners Insurance Rates in Ventura by Home Value

Home ValueNumber of HomesAverage Insurance Premium
Less than $50k785$38
$50k – $60k151$72
$70k – $80k238$112
$80k – $90k136$124
$100k – $125k288$155
$125k – $150k474$199
$150k – $175k515$237
$175k – $200k211$268
$200k – $250k1,034$334
$250k – $300k1,083$399
$300k – $400k4,655$513

Ventura Homeowners Insurance Rates by Neighborhood

Your homeowners’ insurance premium is influenced by the street you live in. This could be due to many factors including the number of claims made in that area. For instance, homes in Stone Place, Barber Lane, and nearby areas enjoy the cheapest Ventura homeowners insurance rates at $614. On the other hand, homes in Hilltop Drive, Radcliff Street, and Buena Vista, have the most expensive homeowners insurance rates at $711.

Homeowners Insurance Premiums in Ventura by Neighborhood

Street Names in Ventura, CAAverage Insurance Cost
Stone Pl, Barber Ln, Spring St, Nahua Ln, Rocklite Rd, Tarlow St, Luna Dr, el Jardin Ave$614
Avalon St, Portola Rd, Clara St, Seacliff Ave, Seashell Ave, Platinum St$619
S Katherine Dr, Stardust Ln, Thrasher Ct, Kamet Ct, Tull St, Pueblo St, Southwind Ct$622
San Simeon Ct, Porter Ln, Hill Rd, Pawnee Ct, Memphis Ct, Bell Ave, Rincon Point Rd$638
Mono Ct, Swift Ave, Taylor St, Sagamore Ln, S Dos Caminos Ave, Ruby Ave$660
McGill Ave, Perkin Ave, Rio Grande St, Hope St, Whittier St, la Verne Ave$664
Ann Arbor Ave, Kingston Ln, N Dos Caminos Ave, Crimera Ln, S Saticoy Ave, Agnus Dr$666
N Evergreen Dr, Greenhill Ave, Flagstaff Ct, Sargent Ln, Doyle Ln, Nightingale St, Old Rincon Hwy$687
Hilltop Dr, W Ramona St, Radcliff St, Buena Vis, Ridgecrest Ct, Crestwood Ave$711

Best Homeowners Insurance Companies In California

Before getting your Ventura homeowners insurance, you might want to check the ratings of the insurance company you are dealing with. AM Best Rating and BBB Rating are the industry benchmarks and these can give you an idea about the performance of a particular insurance company. 

Best Home Insurance Companies In California By Ratings

Rating CompanyMercury InsStatefarmAllstateUSAA
BBB RatingA+AA+B+
JD Power RatingNIL4/54/55/5
NAIC ValueNIL0.250.300.18
AM Best RatingAA++A+A++

Allstate has been ranked A+ by both BBB and AM Best Rating. Statefarm is also a close competition as it has received ‘A’ from BBB Rating and ‘A++’ from AM Best Rating.

Top Homeowners Insurance Agents In Ventura

COMPANYAddress
Peterson Milaney Insurance Associates2659 Townsgate Road #225 Westlake Village, Thousand Oaks, CA, 91361
State Farm22736 Vanowen St Ste 205, West Hills, CA, 91307-2655
State Farm19729 Nordhoff St, Northridge, CA, 91324-3330
Liberty Mutual22019 Vanowen ST STE G, Canoga Park, CA, 91303
Travelers26707 OAK Avenue Suite A, Canyon County, CA, 91351

Types of Discounts Available for Ventura Homeowners Insurance

Buying your homeowner’s insurance premium from any company can make you eligible for a multi-policy discount, good-credit discount, claim-free discount, secure home discount, and many other types of discounts.

Types of discounts available with Ventura Homeowners Insurance

Discount TypeDescription
Multi-Policy Same as Bundling. It means you buy two policies from a company (home insurance and car insurance), then you can use this multi-policy discount.
Secure HomeThis is for those people who already have good security in their homes or in the neighborhood. CCTV cameras, fire alarms, and security measures combined will influence this kind of discount.
LoyaltyFor those customers who have been with the same insurance company for many years. 
Claim-FreeClaim-free means not having filed for any previous claims. If your home never experienced an accident like theft or fire, then you can get a claim-free discount from the company.
Good CreditHaving a credit score higher than 700 can get you a good-credit insurance discount.
Pay In FullThis allows you to save when you pay your insurance premium in full annually
PaperlessPaperwork has been reduced and paperless discounts are not so common nowadays. 

Ventura Homeowners Insurance Savings For Senior-Occupied Homes

A discount of $98 is available to senior occupied homes in Ventura, CA. This discount varies from one city to another in the state of California. 

Homeowners Insurance savings for Senior Occupied homes in Ventura, CA

CityAverage Insurance Savings
Ventura$98
San$96
Mira Monte$97
Saticoy$93

Ventura Homeowners Insurance and Car Insurance Bundling Discount

Bundling your policy means buying more than one policy from the same agent or the same company. In both cases, you will be given a discount. If you buy x1 Car Insurance along with your homeowners’ insurance in Ventura, you can save $82.

PlaceX1 Car Insurance Bundle DiscountX2 Car Insurance Bundle DiscountX3 Car Insurance Bundle Discount
Ventura, CA$82$108$160
Oak View, CA$82$108$160
Mira Monte, CA$82$109$162

Ventura Homeowners Insurance Premium By Company In Different Scenarios

CoverageDeductible Age Of HomeCompanyAverage Homeowners Insurance Premium 
$150000$250 – $5001-3 YearsChubb/Federal$649
$150000$250 – $50016-25 YearsCalifornia Capital$399
$150000$500 – $750NewFarmers$501
$150000$500 – $7501-3 YearsKemper$324
$200000$500 – $7501-3 YearsAAA $296
$200000$500 – $1,0004-6 YearsAmerican Modern$665
$200000$500 – $1,0004-6 YearsIntegon/National$614
$250000$1000 – $1,500NewCSE Safeguard$422
$250000$1000 – $1,5001-3 YearsIntegon/National$534
$250000$1000 – $1,50041-70 YearsIntegon/National$799

Pro Tips To Save Money With Ventura Homeowners Insurance

Pro Tip 1

In case you want to spend the least amount possible on a Ventura homeowners insurance policy, then you should consider getting minimum insurance coverage that can at least cover the replacement cost of your home in case of an accident. This approach carries certain risks but you’ll be well-off.

Pro Tip 2

Never hesitate to ask for the insurance agent’s license. You can be sure that the person you are dealing with is not a fraud. This will help you avoid scams, save your time, and prevent your money from going into the hands of the wrong person.

Resource Links For California Homeowners Insurance

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Ventura, CA Homeowners Insurance FAQs

The process can be divided into three simple steps. I.) Reaching out to insurance companies and explaining your requirements to them. II.) Deciding the level of coverage you want to choose III.) Doing your own research, comparing different insurance premiums, and choosing the right policy.

No, the average cost of insurance in Ventura is $756 per year. This is much lower than the national average and the state average as well.

Of course. Bundling is not the only way to get a discount. There are other types of discounts available such as a secured home discount, good-credit discount, and claim-free discount.

Allstate and Statefarm are rated better than their competitors. BBB And AM Best Ratings reveal that both these companies have A+ and A++ ratings. 

If you already have a Ventura homeowners insurance, then immediately contact your insurance agent or check the company’s website. Both these sources will help you in filing claims for your losses.

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