Gavop's guide to buying homeowners insurance in Desert Palms, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $112,500 | $100,000 | $75,000-$100,000 |
| 2 Bedroom | $380,000 | $340,000 | $400,000-$500,000 |
| 3 Bedroom | $322,500 | $300,000 | $350,000-$400,000 |
| 4 Bedroom | $495,000 | $400,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $673 |
| Superior Protection Discount | -$79 | $712 |
| Fire & Security Discount | -$79 | $712 |
| Hail Resistant Roof Discount | -$16 | $775 |
| Newly Constructed Home Discount | -$174 | $617 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Riverside County | $700 | $779 | $1,479 | $566 | $1,266 | $213 |
| Desert Palms, CA | $2,000 | $782 | $2,782 | $568 | $2,568 | $214 |
| Bermuda Dunes, CA | $500 | $741 | $1,241 | $539 | $1,039 | $203 |
| Thousand Palms, CA | $2,500 | $1,043 | $3,543 | $758 | $3,258 | $285 |
| Anza, CA | $200 | $587 | $787 | $426 | $626 | $160 |
| Twentynine Palms, CA | $2,500 | $1,052 | $3,552 | $764 | $3,264 | $287 |
| Lake Riverside, CA | $400 | $750 | $1,150 | $545 | $945 | $205 |
| Hemet, CA | $2,000 | $1,309 | $3,309 | $951 | $2,951 | $358 |
| Cherry Valley, CA | $200 | $607 | $807 | $441 | $641 | $166 |
| Twentynine Palms-Yucca Valley, CA | $700 | $563 | $1,263 | $409 | $1,109 | $154 |
| Green Acres, CA | $400 | $601 | $1,001 | $437 | $837 | $164 |
| Calimesa, CA | $2,500 | $594 | $3,094 | $432 | $2,932 | $162 |
| Home Insurance Company Desert Palms, CA | Homeowners Insurance Agency Desert Palms, CA | Address | Popularity Score | Distance from Desert Palms (miles) |
|---|---|---|---|---|
| Travelers | Palm Valley Insurance Services Inc | 47040 Washington St Ste 3202, La Quinta, CA, 92253 | 7.8 | |
| State Farm | John Ford | 79440 Corporate Ctr Dr Ste 104, La Quinta, CA, 92253-7243 | 7.8 | |
| Farmers | Gary Donovan | 68828 Ramon Rd Ste A, Cathedral City, CA, 92234 | 9.7 | |
| State Farm | Phil Goodge | 67555 E Palm Canyon Dr, Cathedral City, CA, 92234 | 10.7 | |
| State Farm | Margaret Turner | 29377 Rch Ca Rd Ste 204, Temecula, CA, 92591-5206 | 50.1 | |
| State Farm | Ana Maria Cruz | 707 S Sanderson Ave, Hemet, CA, 92545-9075 | 40.9 | |
| Allstate | Loni Kallay | 40100 Washington St Ste 135, Bermuda Dunes, CA, 92203 | 1.5 | |
| State Farm | Valerie Menefee | 34366 Yucaipa Blvd Ste I, Yucaipa, CA, 92399-2478 | 46.9 | |
| State Farm | Jamie Kogler | 34247 Yucaipa Blvd Ste G, Yucaipa, CA, 92399-6118 | 47.0 | |
| Farmers | Christina Gutierrez | 47060 Washington St Ste 5202, La Quinta, CA, 92253 | 5.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| Riverside County, CA | $304,500 | $789 | $580 | $1,070 | $490 |
| Desert Palms, CA | $356,500 | $791 | $590 | $1,080 | $490 |
| Bermuda Dunes, CA | $338,800 | $750 | $560 | $1,020 | $460 |
| Thousand Palms, CA | $148,800 | $1,056 | $780 | $1,440 | $660 |
| Anza, CA | $156,400 | $594 | $440 | $810 | $370 |
| Twentynine Palms, CA | $120,900 | $1,065 | $790 | $1,450 | $660 |
| Lake Riverside, CA | $275,600 | $759 | $560 | $1,030 | $470 |
| Hemet, CA | $157,500 | $1,325 | $980 | $1,800 | $820 |
| Cherry Valley, CA | $207,400 | $615 | $450 | $840 | $390 |
| Twentynine Palms-Yucca Valley, CA | $139,800 | $570 | $420 | $780 | $360 |
| Green Acres, CA | $166,600 | $608 | $450 | $830 | $380 |
| Calimesa, CA | $196,900 | $602 | $450 | $820 | $370 |