{"version":"1.0","type":"card","id":"86154112-5020-4008-bbe2-ee01a37923ee","url":"https://stacklist.com/card/86154112-5020-4008-bbe2-ee01a37923ee","title":"Ventura County Homeowners Insurance in 2026","source_url":"https://www.latentinsure.com/california-homeowners-insurance/ventura","note":"This page provides insights into homeowners insurance in Ventura County for 2026, including cost ranges for areas like Ojai, Thousand Oaks, and Santa Paula. It covers important topics such as wildfire risk, insurance carriers, the impact of the Thomas Fire, and options like the FAIR Plan and DIC.","image":{"url":"https://ucarecdn.com/cc6aca9e-8c06-4cc9-bb6f-7182c0d0ee15/","alt":"Ventura County Homeowners Insurance in 2026","width":1408,"height":768},"stack":{"id":"090e8e65-370f-48fa-ab21-d28d73610360","title":"Beach House Insurance and Fire Zones in Ventura County","url":"https://stacklist.com/c/home/stack/090e8e65-370f-48fa-ab21-d28d73610360"},"created_at":"2026-09-02T11:14:46.085Z","updated_at":null,"aco":{"summary":"Ventura County homeowners insurance in 2026 ranges from roughly $1,600 to $3,200 per year in non-brush coastal and city ZIPs, but jumps to $5,000 to $18,000+ in wildfire-prone areas like Ojai, Santa Paula, and the foothill canyons, often requiring a FAIR Plan plus DIC wrap. The guide covers local wildfire history, carrier withdrawals by State Farm and Allstate, realistic cost ranges by area, FAIR Plan concentration, and how to shop the market.","tags":["homeowners-insurance","ventura-county","wildfire-risk","fair-plan","california","insurance-costs","wildland-urban-interface"],"key_entities":[{"name":"Ventura County","type":"location","confidence":0.99},{"name":"California FAIR Plan","type":"concept","confidence":0.97},{"name":"Difference In Conditions (DIC) wrap","type":"concept","confidence":0.93},{"name":"2017 Thomas Fire","type":"event","confidence":0.97},{"name":"2024 Mountain Fire","type":"event","confidence":0.95},{"name":"State Farm","type":"organization","confidence":0.95},{"name":"Allstate","type":"organization","confidence":0.94},{"name":"Latent Insurance Services","type":"organization","confidence":0.9},{"name":"Ojai","type":"location","confidence":0.92},{"name":"Camarillo","type":"location","confidence":0.9},{"name":"Santa Paula","type":"location","confidence":0.88},{"name":"wildland-urban interface","type":"concept","confidence":0.95},{"name":"2018 Woolsey Fire","type":"event","confidence":0.88}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-09-02T11:14:58.900Z"},"token_counts":{"approximate":5252,"cl100k":4769},"content_hash":"sha256:4e0bb26c0334108742ad8b0d65e06d64229174f5d6dc0272237b2bfa546449d0","acp_version":"0.2","body_available":true,"body_tokens":5252,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/86154112-5020-4008-bbe2-ee01a37923ee.json","html":"https://stacklist.com/card/86154112-5020-4008-bbe2-ee01a37923ee","md":"/api/public/card/86154112-5020-4008-bbe2-ee01a37923ee.md","stack_json":"/api/public/stack/090e8e65-370f-48fa-ab21-d28d73610360.json"}}