Cheap Homeowners Insurance Oxnard

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cheap homeowners insurance oxnardThe cost of living in Oxnard is 5% lower than the California average but 29% higher than the national average. The median home price in Oxnard is $332,600, which is 89% higher than the national average. Oxnard is the most populous city in the Oxnard-Thousand Oaks-Ventura, CA Metropolitan Statistical Area, and is listed as one of the wealthiest areas in America,. The median household income in Oxnard is 17% higher than the national average. The coastal areas have some very nice and high-priced neighborhoods, but on the other hand, the overall crime rate in Oxnard is 29% higher than the national average. This makes it very important to understand all the options for cheap homeowners insurance Modesto has available.

There are 49797 occupied homes within the city of Oxnard, and the cost of housing in Oxnard is 76% higher than the national average. Because the cost of living is low, many people choose to live in Oxnard and commute to larger cities for work. Oxnard is also a major transportation hub in Southern California, which makes commuting more popular.

Oxnard is located on the Oxnard Plain, an area with dunes, wetlands, creeks, the Santa Clara River, and over 20 miles of scenic,relatively uncrowded coastline. The beaches in Oxnard are large and the sand is exceptionally soft, and Oxnard is known to have dangerous rip-currents in certain areas. Oxnard is on a tectonic-ally active plate, and the San Andreas Fault is about 40 miles away. The fault has proven to be a significant contributor to seismic activity in the Oxnard region, with the most recent earthquake of magnitude 3.5 striking around 4:44 am on April 6, 2016. These natural occurrences are important because most homeowners insurance does not cover flood and earthquake damage. If this area is your home, make sure you get extra coverage for protection against mother nature!

About Homeowners Insurance in Oxnard

Since each homeowner is an individual, not every person will want the same coverage. However, there are certain aspects to homeowners insurance that are necessary. Most policies generally cover the following:

  • Damage to your home, such as permanent structures being destroyed by fire.
  • Damage to personal property, including items in your home being damaged that are not permanent structures.
  • Liability Coverage, which can be useful in legal matters or if there is an accident at your residents.
  • Limited Coverage for theft, which covers things such as stolen jewelry or other expensive property.

California has many cheap homeowners insurance carriers to choose from and premium rates are largely based on who is providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance Oxnard has to offer.