Desert Hot Springs Insurance Rates:

Desert Hot Springs, CA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm Insurance
Local agents in my community that i can drop in and talk to when i have a question clarification on paperwork or coverages.
Farmers Insurance
Their website is terrible. the password configuration is confusing and i can never remember it, and the site itself is not easy to navigate
State Farm
State farm is a very well known and established company so i feel safe being insured through with them for my home insurance.

Desert Hot Springs, CA Homeowners Insurance By Home Value

Desert Hot Springs, CA Home Value Total Homes % of Total Average Desert Hot Springs, CA 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

Top Home Insurance Agents Near Desert Hot Springs, CA

Home Insurance Company Near Desert Hot Springs, CA Homeowners Insurance Agency Near Desert Hot Springs, CA Address
Farmers Craig Davis 27645 Jefferson Ave Ste 113, Temecula, CA, 92590
Farmers Lupe Salazar 1819 N D St, San Bernardino, CA, 92405
Farmers Michael Venne 47060 Washington St Ste 5202, La Quinta, CA, 92253
Farmers Monique Lahti 2086 S E St Ste 103, San Bernardino, CA, 92408
State Farm Robin Coleman 35258 Yucaipa Blvd, Yucaipa, CA, 92399-4341

Cost Of Homeowners Insurance By Street Near Desert Hot Springs, CA

Streets in Desert Hot Springs Area Homeowners Insurance Cost
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

Desert Hot Springs, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Desert Hot Springs$87 to $89
Garnet$87
Desert Edge$85
Palm Springs$91

Desert Hot Springs, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Garnet CDP, California $87 $116 $174
Desert Edge CDP, California $86 $114 $171
Palm Springs city, California $92 $122 $183

Desert Hot Springs, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Desert Hot Springs, CA3.6%13.7%
Garnet4.89%9.98%
Desert Edge3.77%15.6%
Palm Springs2.61%7.92%

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

Average Cost Of Home Insurance By Company In Areas Nearby Desert Hot Springs For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewMetropolitan Direct676
150000500NewLiberty Ins Corp518
200000500NewAAA (Interinsurance Exchange)347
200000500NewAmerican Reliable574
2500001000NewCalifornia Casualty496
2500001000NewIntegon/National671
2500001000NewQBE (Balboa)723
250000500NewNationwide640
300000500NewSafeco863
7500002500NewMetropolitan Direct2111
1500005001-3 YearsHartford (Sentinel)783
2500005001-3 YearsAmerican Modern789
50000025001-3 YearsCentury National1206
75000025001-3 YearsCrestbrook1829
2000005004-6 YearsQBE (Balboa)888
2000005004-6 YearsWawanesa616
25000010004-6 YearsEncompass797
25000010004-6 YearsForemost Insurance811
3000005004-6 YearsCSE Safeguard1035
3000005004-6 YearsMAPFRE Group1046
50000025004-6 YearsHomesite1203
50000025004-6 YearsMAPFRE Group1178

Desert Hot Springs, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Desert Hot Springs Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,700$4,100
Net Savings to Desert Hot Springs Home Owner from High Deductible Plan $600

Desert Hot Springs, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Desert Hot Springs, CA Home Replacement Value MORE than Home Value Desert Hot Springs, CA Home Replacement Value LESS than Home Value
Replacement Value $160,000 $127,500
Insurance Premium based on Replacement Value $500 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,500 Risk Exposure from Under Insuring Coverage is $17,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Desert Hot Springs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyFarmers InsuranceGEICO Insurance
Monthly Premium 301951
Year Built 201019802007
Home Details 5 Beds, 3 Baths2 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $150000-$175000$75000-$100000$175000-$200000
Deductible $500- $1000 Deductible$500 Deductible$500 Deductible

Sample Home Insurance Rates for Desert Hot Springs, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1985 110,000 Slate Shingles Roof 1,280 2 $500- $1000 Deductible 110 4 Wood siding yes
2005 250,000 Metal Roof 2,800 5 > $10,000 Deductible 330 9 Vinyl siding yes
2012 240,000 Slate Shingles Roof 3,010 4 $5000 to $10,000 Deductible 100 3 Stone Siding No
2011 85,000 Wood Shake Roof 1,040 2 $500 Deductible 70 4 Vinyl siding yes
2013 150,000 Wood Shake Roof 2,530 4 $2500-$5000 Deductible 60 2 Fiber-Cement Siding No
1988 165,000 Tile Roof 1,890 4 $500- $1000 Deductible 400 12 Fiber-Cement Siding No
2001 140,000 Asphalt Shingles Roof 2,010 3 $1000-$2500 Deductible 40 1 Fiber-Cement Siding yes
2005 125,000 Tile Roof 1,840 3 $1000-$2500 Deductible 70 2 Stucco siding yes
2013 160,000 Composition Roof 1,900 4 $1000-$2500 Deductible 290 6 Fiber-Cement Siding No
2013 205,000 Membrane Roof 2,280 3 $2500-$5000 Deductible 200 6 Stone Siding No
1995 175,000 Composition Roof 2,640 5 $500 Deductible 410 7 Stucco siding yes
2006 210,000 Metal Roof 2,970 4 $5000 to $10,000 Deductible 50 1 Brick siding yes
1995 150,000 Asphalt Shingles Roof 2,290 4 $2500-$5000 Deductible 160 7 Wood siding yes