Palm Desert Insurance Rates:

Palm Desert, CA homeowners insurance is about $525 to $713, about $43-$59/month. Our in depth guide indicates shoppers can save upto $247 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Good company. Have been with for 15 yrs.
Westfield Insurance
The adjuster who came to my property was timely, professional and turned around my claim request in a short period of time. i felt like he was working with my interests in mind and provided a fair quote for repairs.
State Farm
One of the things that i don't care for is their mobile app. it crashes a lot and its hard to access my information and get assistance.
State Farm
I guess if i need a second point it would have to be the deals they give to newly insured clients that are not offered to present policyholders.
Safeco Insurance
The only thing I dislike is that I wish the premium was lower, but then of course if it were, I wouldn't have good coverage in my home.
State Farm
I personally believe the premium is too high for the house I live in. I hadn't had a claim in 12 years yet the premium kept going up. I'm pretty sure it's similar to other companies because of the area I live in, but I still don't like it.
Prudential
They are friendly, helpful and caring. They give me good prices.

Palm Desert, CA Homeowners Insurance By Home Value

Palm Desert, CA Home Value Total Homes % of Total Average Palm Desert, CA Homeowners Insurance
Less than $50,000 692 6.0% $43
$50,000 to $59,999 144 1.0% $99
$70,000 to $79,999 148 1.0% $142
$80,000 to $89,999 116 1.0% $160
$90,000 to $99,999 114 1.0% $179
$100,000 to $124,999 314 2.0% $204
$125,000 to $149,999 399 3.0% $259
$150,000 to $174,999 1,175 11.0% $303
$175,000 to $199,999 538 5.0% $352
$200,000 to $249,999 1,618 15.0% $427
$250,000 to $299,999 1,826 17.0% $519
$300,000 to $399,999 3,398 32.0% $662

Top Home Insurance Agents Near Palm Desert, CA

Home Insurance Company Near Palm Desert, CA Homeowners Insurance Agency Near Palm Desert, CA Address
Farmers Charity-Rae Wooley 47060 Washington St Ste 5202, La Quinta, CA, 92253
State Farm Phil Goodge 67555 E Palm Canyon Dr, Cathedral City, CA, 92234
Travelers Strachota Insurance Agency 27710 JEFFERSON AVE STE 100, TEMECULA, CA, 92590
Liberty Mutual Independent Stromsoe Insurance Agency Inc 24910 LAS BRISAS RD STE 117, MURRIETA, CA, 92562
State Farm Valerie Menefee 34366 Yucaipa Blvd Ste I, Yucaipa, CA, 92399-2478

Cost Of Homeowners Insurance By Street Near Palm Desert, CA

Streets in Palm Desert Area Homeowners Insurance Cost
Estates Rd, Classic Dr, Galleria Ct, Wiketmal Pl, E el Dorado Dr, Sierra Madre N, Mercury Cir W, Connecticut St, Milano Cir, Goleta Ave$696
Sierra Vista Dr, Maurice Ct, Calico Cactus Ln, San Clemente Cir, Minnesota Ave, Vista Lago Dr N, Hedgehog St, Rawhide Cir, Little Eagle Ct, Medina Dr W$661
Flagstone Ln, Audrey Cir, Moonflower Ct, Club Terrace Dr, Park View Dr, Via Treviso, Ridge Cir, Jolie Ct, Skylark Trl, Oak Tree Dr$604
Little Bend Trl, New York Ave, Thrush Rd, Cll Mazatlan, Box Canyon Trl, Portulaca Ct, Desert Angel Dr, Medina Dr E, Sawmill Canyon Way, Larkspur Ln$607
Golf Course Ln, Evening Star Cir, Guadalupe Ave, Scholar Ln W, Sunnybrook Dr, Parosella St, Broken Arrow Trl, Tepin Ct, Tava Ln, Bougainvillea Cir$628
Oakwood Way, Yuma Dr, Blazing Star Ln, Latisha Ln, Schafer Pl, Vis Creek, Santa Rosa Cir, Via Domingo, Little Way, Nice Ct$641
Emerald Desert Dr, Indian Ridge Dr, Desert Greens Dr W, California Dr, Illinois Ave, War Bonnet Cir, Oak Springs Dr, Mountain Cove Dr, Omar Pl, Pso Lindo$609
Cll Oaxaca, Daylily Cir, Via San Nicolo, Gateway, Willow St, Via Fortuna, Aventine Ct, Olive Ct, Lobelia Cir, Hovley Gardens Dr$625
Kilimanjaro Dr, Miriam Way, Deer Spring Way, Kathryn Cir, Hidden Cove, Grapevine Ln, Grapevine St, el Agadir, Castellana W, Paisano Rd$611
Melanie Pl, Fairhaven Dr, Santolina Dr, San Marino Way, Bodie Rd, Gardess Rd, Sugar Bush Ct, Cove Pointe Cir, Willow Lake Dr, Crow Cir$630

Palm Desert, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Palm Desert$92 to $95
Cathedral City-Palm Desert$92
Indian Wells$100
Rancho Mirage$98

Palm Desert, 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
Cathedral City-Palm Desert CCD, Riverside County, California $92 $123 $185
Indian Wells city, California $101 $134 $201
Rancho Mirage city, California $98 $130 $195

Palm Desert, 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
Palm Desert, CA2.5%7.1%
Cathedral City-Palm Desert2.43%6.77%
Indian Wells1.73%5.59%
Rancho Mirage1.86%5.44%

Palm Desert Renters Insurance as a Percentage of Rent

Palm Desert Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 124 1.0% $789
$300 to $499 606 7.0% $1239
$500 to $749 574 7.0% $1914
$750 to $999 1,921 24.0% $2664
$1,000 to $1,499 2,537 32.0% $3789
$1,500 or more 2,113 26.0% $5439

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewMAPFRE Group483
2500001000NewGeneral Ins422
300000500NewUSAA706
300000500NewWawanesa775
4000001000NewForemost Insurance1384
5000001000NewOregon Mutual929
7500002500NewAmerican Reliable1436
7500002500NewHorace Mann1664
7500002500NewLiberty Ins Corp1008
2000005001-3 YearsKemper559
25000010001-3 YearsAmerican Modern748
2500005001-3 YearsHartford (Sentinel)980
3000005001-3 YearsBankers Standard1813
3000005001-3 YearsMercury Ins Group507
50000025001-3 YearsOregon Mutual815
75000025001-3 YearsFirst American Ins1580
1500002504-6 YearsMAPFRE Group580
2000005004-6 YearsCentury National824
25000010004-6 YearsAmerican Modern748
3000005004-6 YearsMercury Ins Group609
40000010004-6 YearsQBE (Balboa)1166
50000010004-6 YearsIDS Property Casualty1736
50000025004-6 YearsAmco1300

Palm Desert, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Palm Desert Homeowner Insurance Premium Example $1,100$600
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $7,300$6,300
Net Savings to Palm Desert Home Owner from High Deductible Plan $1,000

Palm Desert, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Palm Desert, CA Home Replacement Value MORE than Home Value Palm Desert, CA Home Replacement Value LESS than Home Value
Replacement Value $297,500 $191,000
Insurance Premium based on Replacement Value $950 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $51,000 Risk Exposure from Under Insuring Coverage is $55,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $175/year

Example Palm Desert Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceFarmers InsuranceAmica Mutual Insurance Company
Monthly Premium 397368
Year Built 199119882007
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $350000-$400000$250000-$300000$300000-$350000
Deductible > $10,000 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2002 320,000 Tile Roof 2,300 3 $500 Deductible 100 1 Fiber-Cement Siding yes
1985 360,000 Shingles Roof 1,880 4 > $10,000 Deductible 410 9 Wood siding No
2001 360,000 Membrane Roof 2,650 4 $5000 to $10,000 Deductible 80 1 Brick siding yes
2014 425,000 Tile Roof 2,710 4 $1000-$2500 Deductible 290 3 Stucco siding No
1989 430,000 Asphalt Shingles Roof 2,560 4 $5000 to $10,000 Deductible 1020 12 Stone Siding No
2012 260,000 Metal Roof 1,870 3 $500- $1000 Deductible 170 4 Brick siding No
2002 505,000 Wood Shake Roof 3,370 4 $500 Deductible 530 4 Brick siding No
2011 365,000 Tile Roof 1,960 3 > $10,000 Deductible 360 6 Fiber-Cement Siding No
2000 345,000 Tile Roof 2,280 4 $2500-$5000 Deductible 230 5 Stone Siding yes
1984 410,000 Metal Roof 2,190 3 $500- $1000 Deductible 130 1 Vinyl siding No
2013 465,000 Shingles Roof 2,810 4 $500- $1000 Deductible 100 1 Stucco siding yes
1984 385,000 Composition Roof 1,980 4 $5000 to $10,000 Deductible 440 9 Stucco siding No
2007 420,000 Wood Shake Roof 2,300 3 $1000-$2500 Deductible 590 7 Wood siding yes
1986 240,000 Slate Shingles Roof 1,730 3 $1000-$2500 Deductible 320 7 Brick siding yes
1992 365,000 Membrane Roof 2,050 3 > $10,000 Deductible 230 5 Fiber-Cement Siding yes
2002 560,000 Asphalt Shingles Roof 3,380 4 $500 Deductible 970 9 Wood siding No
1991 240,000 Composition Roof 1,250 3 $500- $1000 Deductible 90 2 Stucco siding No
1980 325,000 Tile Roof 2,070 3 > $10,000 Deductible 40 1 Stucco siding yes
2010 315,000 Shingles Roof 1,680 3 $500- $1000 Deductible 330 5 Fiber-Cement Siding yes
1985 280,000 Tile Roof 2,080 4 $5000 to $10,000 Deductible 470 12 Vinyl siding No
2010 590,000 Composition Roof 3,050 4 $500 Deductible 520 4 Vinyl siding yes
2011 245,000 Membrane Roof 1,340 3 $500- $1000 Deductible 550 12 Wood siding No