Joshua Tree Insurance Rates:

Joshua Tree, CA homeowners insurance is about $497 to $678, about $41-$56/month. Our comprehensive guide reveals consumers can save as much as $235 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Esurance
I have never had to use this insurance, but based on price and communication, I give this company a 4. I would give this company a five, but I feel the price of the insurance is slightly too high.

Joshua Tree, CA Homeowners Insurance By Home Value

Joshua Tree, CA Home Value Total Homes % of Total Average Joshua Tree, CA Homeowners Insurance
Less than $50,000 179 10.0% $111
$50,000 to $59,999 72 4.0% $241
$60,000 to $69,999 105 5.0% $299
$70,000 to $79,999 201 11.0% $346
$80,000 to $89,999 43 2.0% $388
$90,000 to $99,999 37 2.0% $435
$100,000 to $124,999 347 19.0% $505
$125,000 to $149,999 165 9.0% $635
$150,000 to $174,999 278 15.0% $746
$175,000 to $199,999 72 4.0% $864
$200,000 to $249,999 222 12.0% $1040
$250,000 to $299,999 38 2.0% $1270
$300,000 to $399,999 27 1.0% $1617

Top Home Insurance Agents Near Joshua Tree, CA

Home Insurance Company Near Joshua Tree, CA Homeowners Insurance Agency Near Joshua Tree, CA Address
NA Teeters Insurance Services 32829 Yucaipa Blvd. Yucaipa, Yucaipa (City of, CA, 92399
Allstate Christopher Nayfack 68788 Grove St, Cathedral City, CA, 92234
Allstate Max Johartchi 70390 Highway 111 Ste 104, Rancho Mirage, CA, 92270
Allstate Max Wenzel 154 S 4th St, Redlands, CA, 92373
Travelers Mills Insurance Services 44751 VILLAGE CT STE 100, PALM DESERT, CA, 92260

Cost Of Homeowners Insurance By Street Near Joshua Tree, CA

Streets in Joshua Tree Area Homeowners Insurance Cost
Facia Way, Lucerne Vis, Vera, Dulce Ave, Kaiulani Rd, Aranza Ct, Hollinger Rd, Mc Garry Rd, Sunever Ave, Hectic Heights Ln$598
Granville Rd, Sunburst Ave, Flamingo Ave, Coronado Trl, Desert Shadow Rd, Quail Haven Ln, Lennox Ave, Julcrest Rd, Scheprmann Ln, County 20203 Rd$583
Bolero Dr, Ivanhoe Dr, Mary Ln, Oleander, la Jolla Dr, B Dr, Wilton Rd, Twentynine Palms Outerhighway, Palm Vista Dr, Memorial Dr$584
Mtn View Rd, E Broadway, Rockway Rd, Troll Cnyn Rd, Redondo Ave, Foamore Ln, Morningside Rd, Moonlight Mesa, Chula Vista Ave, Scenic Rd$589
Conejo Ave, Starlite Ln, Delano Trl, Ave la Candela, Natoma Trl, Demesne Rd, Koehler Ave, Keats Ave, Warren Vista Dr, Red Horse Run$585

Joshua Tree, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Joshua Tree$87 to $90
Yucca Valley$88
Homestead Valley$87
Desert Edge$85

Joshua Tree, 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
Yucca Valley town, California $74 $99 $148
Homestead Valley CDP, California $73 $97 $145
Twentynine Palms city, California $74 $99 $148

Joshua Tree, 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
Joshua Tree, CA3.9%15.1%
Yucca Valley3.44%12.17%
Homestead Valley4.99%15.3%
Twentynine Palms3.91%16.39%

Joshua Tree Renters Insurance as a Percentage of Rent

Joshua Tree Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 16 1.0% $356
$200 to $299 72 6.0% $806
$300 to $499 50 4.0% $1256
$500 to $749 334 28.0% $1931
$750 to $999 387 33.0% $2681
$1,000 to $1,499 243 20.0% $3806
$1,500 or more 58 5.0% $5456

Average Cost Of Home Insurance By Company In Areas Nearby Joshua Tree For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewCalifornia Casualty318
200000500NewAmerican Security530
2500001000NewHomesite688
7500002500NewIDS Property Casualty1521
2000005001-3 YearsEncompass917
2000005001-3 YearsHorace Mann P & C546
25000010001-3 YearsMAPFRE Group658
2500005001-3 YearsWestern Mutual/Residence756
3000005001-3 YearsUSAA701
1500005004-6 YearsAmica Mutual538
2000005004-6 YearsStillwater Ins Co797
25000010004-6 YearsAAA (Interinsurance Exchange)575
25000010004-6 YearsFirst American Ins642
25000010004-6 YearsQBE (Balboa)594
25000010004-6 YearsUniversal North America544
2500005004-6 YearsAmerican Reliable714
3000005004-6 YearsAmerican Modern937
3000005004-6 YearsTravelers677
75000025004-6 YearsChubb/Federal2468
1500005007-15 YearsOregon Mutual669
25000010007-15 YearsAIG Prop Cas1146
25000010007-15 YearsHorace Mann P & C844
25000010007-15 YearsLiberty Ins Corp854

Joshua Tree, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Joshua Tree Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,900$8,300
Net Savings to Joshua Tree Home Owner from High Deductible Plan $600

Joshua Tree, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Joshua Tree, CA Home Replacement Value MORE than Home Value Joshua Tree, CA Home Replacement Value LESS than Home Value
Replacement Value $180,500 $109,000
Insurance Premium based on Replacement Value $650 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $36,500 Risk Exposure from Under Insuring Coverage is $35,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $125/year

Example Joshua Tree Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmNationwide InsuranceChubb Group of Insurance
Monthly Premium 266147
Year Built 199019821974
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$200000-$250000$250000-$300000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Joshua Tree, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 130,000 Wood Shake Roof 1,590 3 $1000-$2500 Deductible 200 7 Stucco siding yes
1990 120,000 Tile Roof 1,820 3 $500- $1000 Deductible 100 5 Fiber-Cement Siding No
2007 220,000 Tile Roof 3,070 4 $500 Deductible 590 10 Stone Siding No
2010 170,000 Shingles Roof 2,110 3 $2500-$5000 Deductible 200 6 Stone Siding yes
2010 85,000 Membrane Roof 910 2 $500 Deductible 140 8 Wood siding No
1982 280,000 Asphalt Shingles Roof 2,970 4 $2500-$5000 Deductible 630 10 Vinyl siding yes
2000 190,000 Wood Shake Roof 2,160 4 $2500-$5000 Deductible 50 1 Wood siding yes
1969 170,000 Wood Shake Roof 2,100 3 $500 Deductible 430 8 Brick siding yes
1974 150,000 Composition Roof 2,080 4 $500- $1000 Deductible 260 9 Wood siding No
1967 160,000 Membrane Roof 2,390 3 $500 Deductible 470 12 Stucco siding yes
1961 115,000 Tile Roof 1,740 2 $2500-$5000 Deductible 80 6 Brick siding No
1978 180,000 Asphalt Shingles Roof 2,110 4 $500- $1000 Deductible 260 5 Wood siding yes
1975 250,000 Metal Roof 2,680 4 $500- $1000 Deductible 270 6 Stone Siding yes
1999 125,000 Slate Shingles Roof 1,360 2 $500- $1000 Deductible 50 2 Brick siding No
1973 130,000 Wood Shake Roof 1,860 4 $500 Deductible 330 9 Stone Siding yes
1994 260,000 Composition Roof 3,210 4 $500 Deductible 200 3 Brick siding No
1998 175,000 Metal Roof 2,320 4 $1000-$2500 Deductible 500 12 Fiber-Cement Siding yes
1997 140,000 Shingles Roof 1,670 4 $500- $1000 Deductible 250 7 Brick siding No
1973 210,000 Membrane Roof 2,390 4 $1000-$2500 Deductible 120 2 Fiber-Cement Siding yes
2001 75,000 Membrane Roof 990 2 $1000-$2500 Deductible 190 10 Fiber-Cement Siding yes
2014 150,000 Tile Roof 1,580 2 $500- $1000 Deductible 90 3 Brick siding yes
1994 100,000 Membrane Roof 1,510 3 $1000-$2500 Deductible 200 10 Brick siding No
1977 170,000 Composition Roof 2,220 3 $500 Deductible 140 3 Wood siding yes
1975 215,000 Asphalt Shingles Roof 2,850 4 $1000-$2500 Deductible 330 7 Stucco siding No
1985 215,000 Metal Roof 2,570 4 $5000 to $10,000 Deductible 140 6 Stucco siding yes
2006 220,000 Composition Roof 2,290 3 > $10,000 Deductible 60 2 Wood siding yes
2013 195,000 Slate Shingles Roof 2,290 4 $5000 to $10,000 Deductible 280 12 Stone Siding yes
1970 150,000 Shingles Roof 1,770 2 $2500-$5000 Deductible 200 6 Vinyl siding No
1992 150,000 Composition Roof 1,750 2 $1000-$2500 Deductible 230 7 Vinyl siding No
1971 125,000 Tile Roof 1,770 4 $2500-$5000 Deductible 30 2 Vinyl siding No
1975 165,000 Composition Roof 2,180 4 $1000-$2500 Deductible 240 8 Stucco siding yes
1989 80,000 Metal Roof 920 2 $2500-$5000 Deductible 20 1 Brick siding yes
2008 155,000 Membrane Roof 1,620 4 $2500-$5000 Deductible 210 6 Stone Siding No
2006 115,000 Composition Roof 1,270 3 $1000-$2500 Deductible 20 1 Stucco siding No