Desert Hot Springs Insurance Rates:

Desert Hot Springs, CA home insurance is approximately $497 to $673, about $41-$56/month. Our extensive research reveals consumers can save as much as $234 by comparing different quotes

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Desert Hot Springs, California Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Desert Hot Springs Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $70/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1040 sqft Vacation Property Constructed In 2011 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Male who is Retired and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $60/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Bath 2530 sqft Primary Residence Constructed In 2013 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $400/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Bath 1890 sqft Vacation Property Constructed In 1988 with Linoleum, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $40/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 2010 sqft Seasonal Residence Constructed In 2001 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $70/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1840 sqft Rental Property Constructed In 2005 with Linoleum, Tile Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $290/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 1900 sqft Rental Property Constructed In 2013 with Carpet over wood flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $200/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 2280 sqft Seasonal Residence Constructed In 2013 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $410/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $175,000

5 Beds, 5 Baths 2640 sqft Rental Property Constructed In 1995 with Linoleum, Composition Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $50/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2970 sqft Rental Property Constructed In 2006 with Linoleum, Metal Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $160/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2290 sqft Primary Residence Constructed In 1995 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Desert Hot Springs, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92241 $53,500 $580

Desert Hot Springs Rates & Quotes Analysis:

Desert Hot Springs Area Estimated House Insurance
Lema Ct, Promontory St, Via Quedo, Lido Ct, Mountain Top Dr, Snow Creek Rd, Cerrita Way, Helms Rd, Clifton St, Annandale Ave$586
Eastside Ct, Vis Cerro, Sagebrush Trl, San Miguelito Dr, Dunn St, Tamyran Rd, Valparaiso Dr, McGarger Rd, Shady Palms Cir, Coyote Way$583
Sky Valley Rd, Calico Ave, Casa Grande Dr, Virgo Rd, Matilija Rd, Kitetrail Dr, San Ardo Rd, E Crescent St, S Border, Clark Rd$578
Panorama Dr, San Remo Rd, Flora Ave, Kris Ave, Nahum Dr, Hadley Way, Casa Dr, Kann Rd, Sky Pointe Dr, Eagle Mountain Ave$588
Broken Arrow Ln, Kolbe Rd, Meadows Way, Brittany Rd, Norman Blvd, Henry Rd, Pepper Tree Ln, Ramona Dr, Reposo Way, Sky Ridge Ave$581

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,463 Homes (14% of total) built between 1990 to 1999 in Desert Hot Springs are paying home insurance between $844-$852 and varies from Palm Springs (+$40), Morongo Valley (+$10), Rancho Mirage (+$99), Desert Edge (-$18) and Thermal (-$21).
  • Bedrooms: 3,558 1 bedroom homes (14% of total homes ) in Desert Hot Springs are paying about $170 compared to Rancho Mirage (+$14), Cathedral City-Palm Desert (+$4), Desert Palms (+$6), Desert Edge (-$9) and Thousand Palms (-$4).
  • Auto Insurance Bundling: 4,439 Households (37% of all households) in Desert Hot Springs have 2 vehicles available and when it is bundled with home insurance you can save $117. Discounts for similar bundling in close by locations such as Garnet, Desert Edge, Palm Springs come to $116, $114, $122 respectively.
  • Senior Discounts: 7,064 seniors (more than 55 years) occupied housing units (59% of total) in Desert Hot Springs get discounts between $87 to $89 and differs from Garnet ($87), Desert Edge ($85), Palm Springs ($91).
  • New Homes discounts: New homes such as the 11,119 homes built between 2000 to 2009 in Desert Hot Springs can save $117 and similar new home insurance discounts in nearby towns and cities like Garnet, Desert Edge and Palm Springs are $116, $114 and $122 respectively.

Desert Hot Springs Homeowners insurance Facts

  • Desert Hot Springs, CA has 11,896 owner occupied houses which is 64.6% of all units whereas Garnet, Desert Edge and Palm Springs have 75.26%, 86.24% and 57.62% respectively.
  • Desert Hot Springs, CA homeowners yearly insurance price at $585 is 0.53% of the typical house value of $111,300 which is in contrast with 0.58% in Garnet, 1.63% at Desert Edge & 0.21% in Palm Springs.
  • Homeowners in Desert Hot Springs, CA pay 2.6% of their income ($20,000 to $24,999) in insurance whereas homeowners in Garnet, Desert Edge and Palm Springs pay 2.59%, 2.55% and 2.72% respectively.
  • Desert Hot Springs, CA’s insurance is 3.6% of monthly housing costs of $1,356/month, for owners with a mortgage compared to 4.89% in Garnet, 3.77% at Desert Edge & 2.61% in Palm Springs. But, for households without a mortgage, insurance is 13.7% of costs ($355 in Desert Hot Springs, CA) in contrast with 9.98% in Garnet, 15.6% at Desert Edge & 7.92% in Palm Springs.

Desert Hot Springs, CA Home Values & Insurance rates

For example, insurance for 675 Homes (5.0% of total homes ) valued between $70,000 to $79,999 in Desert Hot Springs, CA is about $391. Rates in nearby areas in such as Palm Springs, Morongo Valley, Thousand Palms are cheaper by $232, $107, $91 respectively while Garnet and Desert Edge are costlier by $40 and $829 respectively for similar homes.

Desert Hot Springs, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,497 21.0% $128
$50,000 to $59,999 612 5.0% $274
$60,000 to $69,999 407 3.0% $339
$70,000 to $79,999 675 5.0% $391
$80,000 to $89,999 532 4.0% $444
$90,000 to $99,999 569 4.0% $497
$100,000 to $124,999 1,446 12.0% $573
$125,000 to $149,999 833 7.0% $719
$150,000 to $174,999 1,302 11.0% $854
$175,000 to $199,999 529 4.0% $982
$200,000 to $249,999 1,149 10.0% $1181
$250,000 to $299,999 526 4.0% $1444
$300,000 to $399,999 409 3.0% $1836

Renters Insurance in Desert Hot Springs

  • Average Renters Insurance in Desert Hot Springs :  $231($19/month)

  • Median Gross Rent in Desert Hot Springs :  $895

  • Desert Hot Springs Renters Insurance to Median Rent Ratio:  2.12%

  • Renter occupied housing units in Desert Hot Springs :  6,515

Desert Hot Springs Renters Insurance as a Percentage of Rent

Desert Hot Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 72 1.0% $357
$200 to $299 147 2.0% $807
$300 to $499 537 8.0% $1257
$500 to $749 1,344 21.0% $1932
$750 to $999 1,558 25.0% $2682
$1,000 to $1,499 2,087 33.0% $3807
$1,500 or more 459 7.0% $5457

Rent Affordability in Desert Hot Springs:

Approximately 56.0% (3,665) of households are spending more than 35% of their income on gross rent in Desert Hot Springs

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 349 5.0%
15.0 to 19.9 percent 612 9.0%
20.0 to 24.9 percent 777 11.0%
25.0 to 29.9 percent 628 9.0%
30.0 to 34.9 percent 484 7.0%
35.0 percent or more 3,665 56.0%

Desert Hot Springs Renters Insurance Discounts:

Desert Hot Springs Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Desert Hot Springs, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,250 49.0% $23.1
2 vehicles available 1,836 28.0% $34.65
3 or more vehicles available 630 9.0% $46.2

Desert Hot Springs Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 434 6.0% $89
60 to 64 years 287 4.0% $71
65 to 74 years 516 7.0% $58
75 years and over 279 4.0% $44

Protective device discount in Desert Hot Springs Up to :  $34

Claims-free discount in Desert Hot Springs Up to :  $46

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