Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Ventura County, CA agent.

Ventura County, CA Homeowners Insurance Quotes

Shopping online for home insurance rates in Ventura County is much easier and faster with our online quoting application. We can provide the most affordable premiums and coverage options while comparing up to 12 top insurance providers to help you find the best homeowners policy for you and your family in California.

For Ventura County CA homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind or hail damage and so much more.

Ventura County Home Insurance Rates

Ventura County, CA homeowners insurance is now costing homeowners around $103.42 per month for a basic homeowners policy. For California residents, this amounts to $1241 per year for homeowners living in Ventura County, CA. In comparison, the national average for home insurance rates costs around 1,249 per year. California is ranked #24 in the country for the highest home insurance rates. Would you like to get up to 12 free competitive home insurance quotes for your home in Ventura County, CA? We can help you save up to 40% or more on these average rates. If this interest you, we look forward to working with you and providing an excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the top rates and coverage options for you.

For all Ventura County, CA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Ventura County? Simply enter your zip code to get your California homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Ventura County, CA Housing Demographics

With 823,318 residents living within the Ventura County area there are over 281,695 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 197,178 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Ventura County.

DemographicValues
Total Occupied Households266,920
Family Households (families)197,178
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units281,695

Ventura County, CA Coastal Wind, Hail & Flood Information

For all homeowners living in Ventura County (FIPS: 6111), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of California is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Ventura County, CA, it's important that you look into hurricane and windstorm insurance options.

Ventura County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of California.

Helpful Articles:

Ventura County, CA Home Insurance Average Premiums

Local Ventura, CA homeowners insurance quotes comparison

$984 /yr.

California's Average Home Insurance Rates Overall

For the state of California, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 24 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$835 /yr.
Current Average Cost:$984 /yr.
Maximum Range:$1241 /yr.

Ventura County, CA Coastal Wind, Hail & Flood Information

Ventura is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Ventura is know for it's beautiful beaches and waterways. Because Ventura County (FIPS: 6111) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Ventura County.

California Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

    California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

  • 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

    Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]

Discounts For Homeowners in Ventura County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your California homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Ventura County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Ventura County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Ventura County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Ventura County Housing & Real Estate Data

Details:Statistics
Total Housing Units281695
Occupied Housing Units266920
Vacant Housing Units14775
Vacant Housing Units for Rent4664
Vacant Housing Units Rented Not Occupied324
Vacant Housing Units For Sale2467
Vacant Housing Units Sold Not Occupied595
Vacant Housing Units For Seasonal Occasional Use3545
Vacant Housing Units All Other Vacants3180
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent5
Housing Tenure Occupied Units266920
Housing Tenure Occupied Units Owner Occupied174168
Housing Tenure Occupied Units Owner Occupied Population525886
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied92752
Housing Tenure Occupied Units Renter Occupied Population286832
Housing Tenure Occupied Units Renter Occupied Average Household Size3