Thousand Oaks has 125,205 residents in 46,546 households. We list 18 agencies for life insurance in Thousand Oaks. Here is what the local numbers say about the cover people here need.

Thousand Oaks at a glance

18life insurance agencies listed
29.2%of households rentRenters insurance
$991,600median home valueHome insurance
1978median year homes were builtRebuild cost calculator
4.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Ventura County

FEMA rates the overall natural hazard risk in Ventura County, where most Thousand Oaks agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Thousand Oaks
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Thousand Oaks How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies Thousand Oaks agencies work with

Of the 18 Thousand Oaks agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Nationwide7 agencies
BANNER LIFE INSURANCE COMPANY4 agencies
Pacific Life Insurance Company4 agencies
PRINCIPAL NATIONAL LIFE INSURANCE COMPANY4 agencies
The Lincoln National Life Insurance Company4 agencies
UnitedHealthcare4 agencies
Aetna3 agencies
Centene3 agencies
Medicare Advantage3 agencies
Pruco Life Insurance Company3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Thousand Oaks agencies are

Thousand Oaks agencies we list sit in 2 ZIP codes, mostly in Ventura County.

9136214 agencies
913604 agencies

Questions

Life insurance in Thousand Oaks

All insurance agencies in Thousand Oaks · Life insurance across California

Where can I find life insurance in Thousand Oaks?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Thousand Oaks agencies work with?

Among the 18 Thousand Oaks agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (7), BANNER LIFE INSURANCE COMPANY (4), Pacific Life Insurance Company (4), PRINCIPAL NATIONAL LIFE INSURANCE COMPANY (4), The Lincoln National Life Insurance Company (4). An appointed agency can quote that company's policies.

Do I need flood insurance in Thousand Oaks?

FEMA's National Risk Index rates inland flooding risk in Ventura County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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