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

Geico
I would recommend GEICO to people indefinitely. Even though they can be a pain when discussing deductibles,they always pull through and offer the most coverage possible.
Geico
my insurance have a broad coverage for damage to your house and any permanent structures on your property.Damage to your personal property due to causes specified in your policy.
Allstate
I recommend because the insurance agents are very helpful and would drop everything to help figure out your problems and answer any questions you may have. They are also affordable and have lots of coverage.
State Farm
Local agents in my community that i can drop in and talk to when i have a question clarification on paperwork or coverages.
Farmer's 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.
Geico
It's a big name, so you know you'll at least get some of your coverage in worst case scenario (there's a sense of built-in trust with name recognition).
State Farm
When I go on to their website or mobile app, it is very hard for me to find and understand what I'm looking for. Sometimes when I go to log in it want let me do that. I've had to change my password a few times. I'm looking for me another insurance company right now. That will do us better.
Allstate
They are great overall very good prices and great coverage
Allstate
Neither satisfied nor unsatisfied. I shopped around and most companies cost about the same. If I were to switch companies, the new insurance company would have to come to my home to do a property assessment. Not worth the hassle when there's really no savings.
State Farm
The deductible is average compared to other insurance companies. The higher the deductible, the lower the monthly rate. You also receive a discount if paid yearly.

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

Desert Hot Springs, CA Home Insurance Agents for Top Companies


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
2011 65,000 Slate Shingles Roof 1,040 2 $500- $1000 Deductible 20 1 Wood siding No
1993 160,000 Slate Shingles Roof 1,780 2 $500- $1000 Deductible 390 10 Wood siding No
2010 110,000 Asphalt Shingles Roof 1,630 4 $1000-$2500 Deductible 170 8 Fiber-Cement Siding yes
2005 115,000 Asphalt Shingles Roof 1,610 2 $2500-$5000 Deductible 50 2 Stone Siding No
1995 155,000 Wood Shake Roof 2,470 5 $500- $1000 Deductible 240 9 Stone Siding yes
2014 140,000 Slate Shingles Roof 1,980 4 $1000-$2500 Deductible 220 9 Stone Siding yes
1985 165,000 Membrane Roof 2,440 4 $2500-$5000 Deductible 190 5 Fiber-Cement Siding yes
1992 145,000 Membrane Roof 2,380 4 $2500-$5000 Deductible 230 10 Fiber-Cement Siding yes
1992 360,000 Asphalt Shingles Roof 4,260 5 $500 Deductible 650 7 Brick siding No
1986 335,000 Composition Roof 4,720 5 $500 Deductible 1120 10 Stucco siding No
2004 165,000 Shingles Roof 1,890 3 $1000-$2500 Deductible 70 2 Stone Siding yes
2014 75,000 Wood Shake Roof 1,150 2 $500- $1000 Deductible 90 4 Vinyl siding No
1995 90,000 Tile Roof 1,410 2 $1000-$2500 Deductible 80 8 Brick siding No
1981 130,000 Membrane Roof 1,790 2 $500 Deductible 160 5 Brick siding No
2012 170,000 Asphalt Shingles Roof 2,380 4 $500 Deductible 140 4 Stucco siding yes
2004 105,000 Composition Roof 1,330 2 $500- $1000 Deductible 170 6 Fiber-Cement Siding No
2011 85,000 Slate Shingles Roof 1,340 2 $500 Deductible 30 2 Stone Siding yes
2011 110,000 Tile Roof 1,560 3 $1000-$2500 Deductible 170 6 Wood siding No
2012 155,000 Metal Roof 2,480 5 $5000 to $10,000 Deductible 160 9 Wood siding yes
1983 260,000 Asphalt Shingles Roof 3,460 5 > $10,000 Deductible 120 3 Stone Siding yes
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

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