How Can I Make My Coachella Valley, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Coachella Valley, 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.
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Estimate Appropriate Coachella Valley, CA Home Insurance Coverage Levels | Back to Top
| Coachella Valley, CA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 53rd Ave, Vaughn Rd, Martinique Dr, Cristol Pl, Rogue River Rd, E Sienna Cir, Via la Serena, Ave Verano, Riverlane Dr, Ave Esmeralda | $149,000 | $120,000 | $125,000-$150,000 | $90,000 | $80,000 | $75,000-$100,000 |
| Jamestown Ave, Madio St, Willow Ln, Pso Cordova, Valle Vista Ave, Declaration Ct, Villanova St, Montego Cir, Desert Grove Dr, Avocado Ct | $134,000 | $120,000 | $125,000-$150,000 | $154,000 | $130,000 | $125,000-$150,000 |
| Verbena Ave, Ancantarra, Cll Mendoza, Albion Dr, Heston Dr, Westerfield Way, Heritage Palms Dr S, Hampshire Ave, Wagon Rd, 73rd Ave | $140,000 | $120,000 | $125,000-$150,000 | $93,000 | $80,000 | $75,000-$100,000 |
| Palo Verde St, Douma St, Fairfax Ct, Verbena St, Delphi Ct, Pecos Pl, Cll Espada, Himilaya Dr, Fantail Dr, Canterra Dr | $268,000 | $240,000 | $250,000-$300,000 | $225,000 | $190,000 | $200,000-$250,000 |
| Laceleaf Ct, Taurus Ave, Cochran Dr, Villa Terracina Dr, Via Savona, Gold Hills St, Catania Ct, Fortunato Ct, Apollo Ct, Sun Cactus Ln | $335,500 | $290,000 | $350,000-$400,000 | $208,500 | $170,000 | $175,000-$200,000 |
| San Nigel Ave, Dore St, 63rd Ave, Alydar Ct, Gila River St, Pso Real, Incantata Pl, Jalisco, Highland Dr, Sombrero Ct | $218,500 | $200,000 | $200,000-$250,000 | $142,500 | $120,000 | $150,000-$175,000 |
| Ave 47, San Solano Rd, Conchella Dr, Rancho Santana Dr, Martinique Ave, Via Portofino, Ave 49, Tanglewood, Desert Hills Ct, Big Spring | $422,500 | $390,000 | $400,000-$500,000 | $383,000 | $340,000 | $300,000-$350,000 |
| Silver Star Trl, 78th Ave, Astaire Ave, Cll Empalme, Sunburst St, Olympia Fields, Kentia Ct, Quinn Way, Il Serenata Dr, Via Puertoa Azul | $608,000 | $540,000 | $600,000-$700,000 | $534,000 | $430,000 | $400,000-$500,000 |
| Douma St, Tripoli Dr, Saguaro St, Fountain Hills Dr, Palm View St, Nairobi Dr, Playa del Amor St, Via Dona, Cam Azul, Jordan St | $186,000 | $170,000 | $200,000-$250,000 | $147,000 | $120,000 | $150,000-$175,000 |
| Jade Way, Industrial Way, Jalisco Ave, Newport St, 82nd Ave, Wheatley Ct, Via Dijon, Chrisantemo, Port Royal Ave, Mojave Sage St | $165,500 | $150,000 | $175,000-$200,000 | $113,000 | $100,000 | $100,000-$125,000 |
Bundle your Coachella Valley, CA Auto & Home Insurance from the Same Company | Back to Top
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$53 | $607 |
| Home and Two Car | -$112 | $548 |
| Home and Three Car | -$152 | $508 |
Choose the Right Deductible for your Coachella Valley, CA Home | Back to Top
| 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 |
| Coachella Valley, CA | $1,500 | $652 | $2,152 | $474 | $1,974 | $178 |
| Mecca, CA | $400 | $1,043 | $1,443 | $758 | $1,158 | $285 |
| Indio, CA | $2,500 | $686 | $3,186 | $499 | $2,999 | $188 |
| Palm Desert, CA | $500 | $830 | $1,330 | $603 | $1,103 | $227 |
| Rancho Mirage, CA | $1,500 | $1,049 | $2,549 | $762 | $2,262 | $287 |
| Desert Hot Springs, CA | $200 | $1,309 | $1,509 | $951 | $1,151 | $358 |
| Idyllwild-Pine Cove, CA | $2,000 | $750 | $2,750 | $545 | $2,545 | $205 |
| Desert Center, CA | $300 | $453 | $753 | $330 | $630 | $124 |
| Lake Riverside, CA | $1,000 | $750 | $1,750 | $545 | $1,545 | $205 |
| Calipatria, CA | $500 | $1,034 | $1,534 | $751 | $1,251 | $283 |
Identify Top Home Insurance Agents near Coachella Valley, CA | Back to Top
| Home Insurance Company Coachella Valley, CA | Homeowners Insurance Agency Coachella Valley, CA | Address | Popularity Score | Distance from Coachella Valley (miles) |
|---|---|---|---|---|
| Travelers | Palm Valley Insurance Services Inc | 47040 Washington St Ste 3202, La Quinta, CA, 92253 | 13.0 | |
| State Farm | John Ford | 79440 Corporate Ctr Dr Ste 104, La Quinta, CA, 92253-7243 | 13.0 | |
| Travelers | 1st Community Insurance Services | 400 S Farrell Dr Ste B104, Palm Springs, CA, 92262 | 30.2 | |
| Farmers | Gary Donovan | 68828 Ramon Rd Ste A, Cathedral City, CA, 92234 | 27.4 | |
| State Farm | Bob Dunn | 7248 Joshua Lane, Yucca Valley, CA, 92284-2923 | 41.6 | |
| Farmers | Christina Gutierrez | 47060 Washington St Ste 5202, La Quinta, CA, 92253 | 15.2 | |
| Allstate | Loni Kallay | 40100 Washington St Ste 135, Bermuda Dunes, CA, 92203 | 17.6 | |
| State Farm | Guillermo Molina | 82900 Avenue 42 Ste G110, Indio, CA, 92203-9664 | 13.6 | |
| Allstate | Ron Nayfack | 1000 S Palm Canyon Dr Ste 104, Palm Springs, CA, 92264 | 31.2 | |
| Allstate | Raleigh Bernard Strader Iii | 57353 29 Palms Hwy Ste C, Yucca Valley, CA, 92284 | 41.7 |
Compare Rates for Coachella Valley, CA Home Insurance Providers | Back to Top
| 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 |
| Coachella Valley, CA | $243,700 | $660 | $490 | $900 | $410 |
| Mecca, CA | $116,900 | $1,056 | $780 | $1,440 | $660 |
| Indio, CA | $247,900 | $695 | $510 | $940 | $430 |
| Palm Desert, CA | $328,300 | $840 | $620 | $1,140 | $520 |
| Rancho Mirage, CA | $483,100 | $1,061 | $790 | $1,440 | $650 |
| Desert Hot Springs, CA | $135,000 | $1,325 | $980 | $1,800 | $820 |
| Idyllwild-Pine Cove, CA | $275,200 | $759 | $560 | $1,030 | $470 |
| Desert Center, CA | $78,000 | $459 | $340 | $620 | $280 |
| Lake Riverside, CA | $275,600 | $759 | $560 | $1,030 | $470 |
| Calipatria, CA | $114,000 | $1,046 | $770 | $1,420 | $650 |
Research Home Insurance Companies Reviews in Coachella Valley, CA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: April 07, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
My home insurance with State Farm was the most affordable insurance by far compared to the several other options we explored. They were also the cheapest when bundling home and auto.
Date: December 02, 2018 Age: Above 60 Gender: Male Marital Status: Married
Policy Offerings
In addition to the standard insurance coverage for fire and theft, State Farm has now insured my air conditioning units against failure and my sewer line to the street against failure
Date: November 10, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
I have a really great agent so I have not used the app as much as i probably should. I downloaded it and signed in but that was about all.
Date: October 01, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
I love our mobile app! It allows us to easily track claims (which we had to do last year). The login screen is intuitive and easy to use. It shows your balance on the splash page and also allows you to make payments from the dashboard screen.
Date: September 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
Last year We had to have some discourse with them. They were responsive to our questions and seemed eager to talk to us. They communicate well and are pleasant to talk to. They all speak English which is nice.
Date: September 13, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The premium is definitely a little higher than normal. In fact, they've raised our rates in the last year even though we didn't have a claim. Considering how much coverage we have the premium is just ok. I know several people who have a competing company and similar coverage and their premium is lower.
Date: August 25, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Our policy covers flood, fire, and contents. There's also an auto clause in case a car hits our house (?). This keeps us safe in the event of a hurricane which is likely given I live in central Florida.
Date: November 23, 2017 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Customer Service
The customer service is ok. They're available 24 hours a day, 7 days a week. You are usually connected to someone in the US which is refreshing since some companies outsource to 3rd world countries where you can't understand anyone. They're always polite.
Liberty Mutual Home Insurance Reviews
Date: December 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
I've not had any issues with the customer service of my home insurance company. Most of my interaction with them has been online, where the correspondence was positive.
AAA Home Insurance Reviews
Date: November 18, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
The premium is extremely generous which is important for me because it is affordable and easy to manage on a monthly basis.
GEICO Home Insurance Reviews
Date: February 11, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
Insurance in my area is extremely expensive and although the customer service is helpful but I think need to be more proactive at providing discounts.