How Can I Make My Palm Desert, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Palm Desert, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Palm Desert, CA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $98,500 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $220,500 | $180,000 | $250,000-$300,000 |
| 3 Bedroom | $266,500 | $230,000 | $200,000-$250,000 |
| 4 Bedroom | $261,000 | $240,000 | $200,000-$250,000 |
| 5 Bedroom | $655,500 | $610,000 | $600,000-$700,000 |
Estimate your Savings with Home Insurance Discounts in Palm Desert, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $714 |
| Superior Protection Discount | -$84 | $756 |
| Fire & Security Discount | -$76 | $764 |
| Hail Resistant Roof Discount | -$25 | $815 |
| Newly Constructed Home Discount | -$202 | $638 |
Choose the Right Deductible for your Palm Desert, 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 | $1,500 | $779 | $2,279 | $566 | $2,066 | $213 |
| Palm Desert, CA | $2,500 | $830 | $3,330 | $603 | $3,103 | $227 |
| Indio Hills, CA | $200 | $637 | $837 | $463 | $663 | $174 |
| Coachella, CA | $2,500 | $604 | $3,104 | $439 | $2,939 | $165 |
| Desert Edge, CA | $300 | $518 | $818 | $376 | $676 | $141 |
| Mecca, CA | $700 | $1,043 | $1,743 | $758 | $1,458 | $285 |
| Whitewater, CA | $500 | $541 | $1,041 | $393 | $893 | $148 |
| Desert Shores, CA | $2,000 | $431 | $2,431 | $313 | $2,313 | $118 |
| Hemet-San Jacinto, CA | $300 | $1,043 | $1,343 | $758 | $1,058 | $285 |
| Big Bear City, CA | $1,500 | $641 | $2,141 | $466 | $1,966 | $175 |
| Temecula, CA | $400 | $984 | $1,384 | $715 | $1,115 | $269 |
| Moreno Valley, CA | $1,500 | $704 | $2,204 | $512 | $2,012 | $192 |
Identify Top Home Insurance Agents near Palm Desert, CA | Back to Top
| Home Insurance Company Palm Desert, CA | Homeowners Insurance Agency Palm Desert, CA | Address | Popularity Score | Distance from Palm Desert (miles) |
|---|---|---|---|---|
| State Farm | Lisa Perez Houghtaling | 29950 Haun Rd Ste 205, Menifee, CA, 92586-6527 | 46.9 | |
| State Farm | Julie Ngo | 28410 Old Twn Frnt St Ste 106, Temecula, CA, 92590-1818 | 48.4 | |
| Liberty Mutual Independent | Access West Insurance Services Inc. | 40675 California Oaks Rd Ste A, Murrieta, CA, 92562 | 49.7 | |
| State Farm | Scott Koth | 39540 Mur Ht Spgs Rd Ste 229, Murrieta, CA, 92563-7719 | 46.4 | |
| State Farm | Elizabeth King | 31045 Temecula Pkwy Ste 202, Temecula, CA, 92592-3085 | 47.3 | |
| Travelers | Countryside Insurance Services | 40395 Winchester Rd Ste B, Temecula, CA, 92591 | 47.6 | |
| State Farm | Chris Waterman | 760 W Acacia Ave Ste 111, Hemet, CA, 92543-4080 | 35.4 | |
| State Farm | Margaret Turner | 29377 Rch Ca Rd Ste 204, Temecula, CA, 92591-5206 | 45.6 | |
| State Farm | Jamie Kogler | 34247 Yucaipa Blvd Ste G, Yucaipa, CA, 92399-6118 | 44.8 | |
| Travelers | Mills Insurance Services | 44751 Village Court Ste 100, Palm Desert, CA, 92260 | 1.0 |
Compare Rates for Palm Desert, 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 |
| Palm Desert, CA | $328,300 | $840 | $620 | $1,140 | $520 |
| Indio Hills, CA | $195,000 | $645 | $480 | $880 | $400 |
| Coachella, CA | $183,800 | $611 | $450 | $830 | $380 |
| Desert Edge, CA | $37,200 | $524 | $390 | $710 | $320 |
| Mecca, CA | $116,900 | $1,056 | $780 | $1,440 | $660 |
| Whitewater, CA | $125,900 | $548 | $410 | $750 | $340 |
| Desert Shores, CA | $67,700 | $436 | $320 | $590 | $270 |
| Hemet-San Jacinto, CA | $163,400 | $1,056 | $780 | $1,440 | $660 |
| Big Bear City, CA | $235,000 | $649 | $480 | $880 | $400 |
| Temecula, CA | $394,600 | $996 | $740 | $1,350 | $610 |
| Moreno Valley, CA | $260,600 | $713 | $530 | $970 | $440 |
Research Home Insurance Companies Reviews in Palm Desert, CA Before Buying | Back to Top
Share a review on your home insurance company
Liberty Mutual Home Insurance Reviews
Date: August 13, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
the coverage seems to be equal to comparable policy's. the premiums and deductible are reasonable and seem to be cheaper then the other policy that i have looked at.
Allstate Home Insurance Reviews
Date: July 15, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
Premium and deductibles are pretty standard when compared to other insurance companies. Nothing really stands out as far as price and amounts so I would rate the rates a 3.
Progressive Home Insurance Reviews
Date: June 15, 2019 Age: 30 to 39 Gender: Unmarried Marital Status: Female
Premium
The deductible varies upon the policy you choose. I think that all insurance agencies are this way. It all depends on your choice.
Safeco Insurance Home Insurance Reviews
Date: September 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
We have full coverage on everything we needed. We have accident on property and insurance for tornado and flood in case of natural disaster. The other policies charged was too much for this part of the insurance.