Palm Springs Insurance Rates:

Palm Springs, CA homeowners insurance is roughly $521 to $705, about $43-$58/month. Our extensive analysis reveals consumers can save upto $245 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Travelers
Great prices with excellent service throughout the many years I have had Travelers
Progressive
I have Progressive insurance for the home I rent. The coverage is satisfactory for my family. Thankfully, I have not had a need to file a claim or had any incidents.
Farmer's Insurance
Farmer's is consistently, from year to year, always the best priced insurance company and our agent always recommends them. Even Citizen's insurance charges much more. The deductible offerings are comparable and very fair.
State Farm
My home insurance policy offerings are better than some of the other company's in my area. I did extensive research before choosing the one I did.
Progressive
Also the time to make and process a claim feels like it takes longer than it would with a smaller locally based insurance agency.
State Farm
I wasn't expecting to be charged this much for insurance and i sure wasn't expecting for a number of things to not be covered.
Nationwide
The company is well known and has been around for many years. i feel confident with using this company.
Farmer's Insurance
I like the personal attention that my agent gives me. I always get to speak to the same agent every time I need to. They always get back to me with answers and solutions in a timely manner.
State Farm
The office in my neighborhood is excellent however my wife inherited her grandfather's home in another state and their customer service was horrible. I called customer service which was ok to deal with but that branch almost made me drop all policies.
State Farm
They provide a reliable worry free service. We just pay our bill and I can sleep at night knowing that it is there if I need it. The prices are good and we are always treated fairly.
Farmer's Insurance
I know that my premium isn't too bad but my house has not retained the same value it did once I bought it (right before the 2008-2009 Recession) so I am paying more relative to what the house is worth and the insurance company won't change it.
The Hartford
I would recommend this company because they are reasonably priced and I have never had any problems with them to date. They are quick and easy to start policies with.
Farmer's Insurance
I would recommend this company if you don't have that much extra money to spare and if you are a careful driver since the premium increases to much.
Geico
My experience with Geico home insurance is very good I had to use them once so far and the response and reception I got from them was very comforting.

Palm Springs, CA Homeowners Insurance By Home Value

Palm Springs, CA Home Value Total Homes % of Total Average Palm Springs, CA Homeowners Insurance
Less than $50,000 1,225 13.0% $49
$50,000 to $59,999 207 2.0% $110
$60,000 to $69,999 133 1.0% $134
$70,000 to $79,999 269 2.0% $159
$80,000 to $89,999 107 1.0% $177
$90,000 to $99,999 162 1.0% $202
$100,000 to $124,999 559 5.0% $232
$125,000 to $149,999 408 4.0% $294
$150,000 to $174,999 658 6.0% $343
$175,000 to $199,999 578 6.0% $398
$200,000 to $249,999 1,310 13.0% $478
$250,000 to $299,999 1,366 14.0% $588
$300,000 to $399,999 2,434 25.0% $747

Top Home Insurance Agents Near Palm Springs, CA

Home Insurance Company Near Palm Springs, CA Homeowners Insurance Agency Near Palm Springs, CA Address
Liberty Mutual Independent Access West Insurance Services Inc. 40675 California Oaks Rd Ste A, MURRIETA, CA, 92562
Liberty Mutual Independent All Solutions Ins Agency Llc 22364 ALESSANDRO BLVD, MORENO VALLEY, CA, 92553
Farmers Craig Davis 27645 Jefferson Ave Ste 113, Temecula, CA, 92590
Farmers Crystal Lopez 363 W Baseline Ave, San Bernardino, CA, 92402
Liberty Mutual Independent Stromsoe Insurance Agency Inc 24910 LAS BRISAS RD STE 117, MURRIETA, CA, 92562

Palm Springs, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Palm Springs, CA

Streets in Palm Springs Area Homeowners Insurance Cost
Coolidge Dr, Bankside Dr, Skylar Ln, Via Dia, Apache Cir, Marion Rd, N Sunset Way, Tobruk St, Buffalo Dr, Chico Cir$610
N Girasol Ave, Pamela Dr, Stage Line Dr, Poolside Dr, Van Fleet St, Quijo Rd, Madrona Dr, Terrace Rd, Algiers St, E el Escudero$612
Blue Sky Way, Verbenia Ave, E Ver Sur, Zachary Ct, N Cll de Mimosas, N Pso Dero, E Chia Rd, Johnson, Portola Dr, Galbreth St$612
W Cortez Rd, Virgo Rd, Cll Paul, Aviation Rd, Village Sq W, Olga Way, Holly Oak Cir, San Lorenzo Rd, Mesquite Rd, Cam Primrose$621
Colony Way, Cll Monforte, N Cahuilla Rd, E el Gaucho Cir, E Via Vaquero Rd, Juanita Cir N, Pueblo Vista St, W la Condesa Dr, Lagarto Way, Wide Canyon Rd$607
N Sunshine Cir, Airport Center Dr, Algodones Trl, N Barcelona Cir, Terra Vita, Chirezza Way, E Circulo San Sorrento Rd, N Fiesta Rd, Mission Ct, Montecito Cir$610
S Warm Sands Dr, Playa Cir, Shannon Way, Verdugo Rd, el Camino Way, Desert Lakes Cir, S Lugo Rd, E Park Dr, Ronald Ct, Campeon Cir$613
Cantina Way, Lazy C Ranch Rd, N San Antonio Rd, Excelsior St, Mabrey Rd, N Palm Canyon Dr, Lawrence Cir N, Wide Canyon, Grove St, N May Dr$611
Compadre Rd, San Mateo Dr, E Cll Lileta, Harding, N Blando Rd, N Chuperosa Rd, Foothill Ave, W Cam Encanto, Beland Dr, Bolero Cir$631
E Loma Vista Cir, E Biltmore Pl, Karen St, Buddy Rogers Ave, W Sunny Dunes Rd, Roberts Ln, E Glen Cir S, Quiet Side St, Quail Rd, Cerritos Dr NW$619

Palm Springs, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Palm Springs$91 to $94
Rancho Mirage$98
Cathedral City-Palm Desert$92
Garnet$87

Palm 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
Rancho Mirage city, California $98 $130 $195
Cathedral City-Palm Desert CCD, Riverside County, California $92 $123 $185
Garnet CDP, California $87 $116 $174

Palm 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
Palm Springs, CA2.6%7.9%
Rancho Mirage1.86%5.44%
Cathedral City-Palm Desert2.43%6.77%
Garnet4.89%9.98%

Palm Springs Renters Insurance as a Percentage of Rent

Palm Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 112 1.0% $342
$200 to $299 151 1.0% $792
$300 to $499 452 4.0% $1242
$500 to $749 1,426 15.0% $1917
$750 to $999 2,973 31.0% $2667
$1,000 to $1,499 2,858 30.0% $3792
$1,500 or more 1,324 14.0% $5442

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewChubb/Federal968
200000500NewStillwater Ins Co521
2500001000NewAmco585
2500001000NewKemper520
5000001000NewSafeco1213
5000001000NewWawanesa1250
1500005001-3 YearsLiberty Ins Corp576
2000005001-3 YearsOregon Mutual548
2000005001-3 YearsUnigard Group934
25000010001-3 YearsCSE Safeguard597
25000010001-3 YearsHorace Mann567
25000010001-3 YearsIntegon/National763
25000010001-3 YearsMAPFRE Group612
3000005001-3 YearsHartford (Sentinel)1124
50000010001-3 YearsCalifornia Casualty1047
50000010001-3 YearsEncompass1425
75000025001-3 YearsCSE Safeguard1250
75000025001-3 YearsIDS Property Casualty1925
1500002504-6 YearsIDS Property Casualty723
1500005004-6 YearsKemper535
3000005004-6 YearsWawanesa813

Palm Springs, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$3,700
Yearly Palm Springs Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,700$3,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,300$10,100
Net Savings to Palm Springs Home Owner from High Deductible Plan $1,200

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

Scenario Palm Springs, CA Home Replacement Value MORE than Home Value Palm Springs, CA Home Replacement Value LESS than Home Value
Replacement Value $341,500 $246,000
Insurance Premium based on Replacement Value $875 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $61,500 Risk Exposure from Under Insuring Coverage is $34,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $150/year

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

Insurance Company TravelersNationwide InsuranceState Farm
Monthly Premium 376860
Year Built 197919612013
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $125000-$150000$300000-$350000$250000-$300000
Deductible $500 Deductible$1000-$2500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Palm 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 275,000 Shingles Roof 1,720 3 > $10,000 Deductible 180 5 Stucco siding yes
1969 195,000 Slate Shingles Roof 1,330 2 $5000 to $10,000 Deductible 180 6 Vinyl siding No
1984 445,000 Shingles Roof 2,740 4 $5000 to $10,000 Deductible 420 4 Brick siding yes
1975 380,000 Wood Shake Roof 2,500 4 $500 Deductible 760 7 Stone Siding yes
1992 265,000 Wood Shake Roof 1,480 2 > $10,000 Deductible 340 12 Brick siding yes
1973 330,000 Membrane Roof 1,950 3 $2500-$5000 Deductible 180 4 Wood siding yes
1995 300,000 Slate Shingles Roof 1,750 2 > $10,000 Deductible 600 12 Wood siding No
1966 445,000 Shingles Roof 2,550 4 $1000-$2500 Deductible 340 3 Stucco siding No
1982 245,000 Asphalt Shingles Roof 1,710 2 $1000-$2500 Deductible 370 8 Vinyl siding yes
1971 265,000 Composition Roof 1,660 2 $2500-$5000 Deductible 640 12 Brick siding No
1989 325,000 Tile Roof 2,410 4 $500 Deductible 190 2 Vinyl siding yes
1997 380,000 Membrane Roof 2,140 3 $5000 to $10,000 Deductible 400 9 Fiber-Cement Siding yes
1975 215,000 Wood Shake Roof 1,770 2 $5000 to $10,000 Deductible 320 10 Vinyl siding yes
1991 225,000 Wood Shake Roof 1,630 3 $1000-$2500 Deductible 110 3 Vinyl siding No
1997 205,000 Metal Roof 1,690 3 $5000 to $10,000 Deductible 340 8 Brick siding yes
1999 575,000 Asphalt Shingles Roof 3,370 4 $500 Deductible 960 6 Fiber-Cement Siding yes
1977 210,000 Asphalt Shingles Roof 1,530 3 $500- $1000 Deductible 130 3 Brick siding yes
1971 170,000 Metal Roof 1,020 2 $5000 to $10,000 Deductible 30 1 Wood siding yes
1980 205,000 Composition Roof 1,320 2 $500 Deductible 170 3 Fiber-Cement Siding No
1985 255,000 Tile Roof 1,560 3 $500- $1000 Deductible 770 12 Brick siding No
1962 290,000 Metal Roof 2,070 4 $500- $1000 Deductible 130 2 Vinyl siding No
1998 255,000 Metal Roof 1,510 3 $500 Deductible 590 9 Brick siding yes
1973 200,000 Tile Roof 1,340 2 $500 Deductible 130 2 Wood siding yes
1999 175,000 Metal Roof 1,150 2 $500 Deductible 50 1 Stone Siding No
1978 275,000 Wood Shake Roof 1,620 3 $500- $1000 Deductible 410 6 Vinyl siding No
2013 250,000 Shingles Roof 1,600 3 $500 Deductible 220 4 Brick siding yes
2014 270,000 Shingles Roof 1,710 2 $1000-$2500 Deductible 590 9 Wood siding yes
1996 445,000 Composition Roof 2,970 4 $2500-$5000 Deductible 820 8 Wood siding yes
1963 465,000 Composition Roof 2,790 4 $5000 to $10,000 Deductible 740 7 Vinyl siding No
1974 210,000 Membrane Roof 1,270 2 $500 Deductible 670 10 Fiber-Cement Siding yes
1994 430,000 Membrane Roof 3,370 4 $2500-$5000 Deductible 1100 10 Stone Siding No
2013 350,000 Asphalt Shingles Roof 2,190 3 $1000-$2500 Deductible 340 4 Fiber-Cement Siding No
1974 225,000 Tile Roof 1,840 3 $5000 to $10,000 Deductible 410 9 Fiber-Cement Siding yes

How To Make Your Palm Springs, CA Home Insurance Cheaper

How Much Does Palm Springs, CA Home Insurance Cost?