Palmdale ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Palmdale, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Palmdale, CA is $1315. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Palmdale, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Palmdale, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $526 |
| $200,000 | $894 |
| $300,000 | $1,105 |
| $400,000 | $1,683 |
| $500,000 | $2,117 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Palmdale, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,348 |
| $1000 Deductible | $1,206 |
| $1500 Deductible | $1,137 |
| $2500 Deductible | $1,026 |
| $5000 Deductible | $868 |
| Home Insurance Company Near Palmdale, CA | Homeowners Insurance Agency Near Palmdale, CA | Address |
|---|---|---|
| State Farm | Adam Wiltsey | 554 E Foothill Blvd Ste 111, San Dimas, CA, 91773-1222 |
| Farmers | Kathi Dolan | 861 Via De La Paz Ste C, Pacific Palisades, CA, 90272 |
| Travelers | Lloyd S Berkett Insurance Agency Inc | 11150 W Olympic Blvd, Ste 1100 Los Angeles, LA, CA, 90064 |
| Allstate | Salvador Mercado | 10680 W Pico Blvd Ste 202, Los Angeles, CA, 90064 |
| State Farm | Suzanne Flores | 4788 Peck Rd, El Monte, CA, 91732-1349 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Desert View Highlands CDP, California | $89 | $119 | $179 |
| Quartz Hill CDP, California | $90 | $120 | $180 |
| Acton CDP, California | $96 | $128 | $192 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Palmdale, CA | 2.6% | 11.2% |
| Desert View Highlands | 2.71% | 14.83% |
| Quartz Hill | 2.7% | 11.3% |
| Acton | 1.86% | 8.06% |
| Palmdale Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 155 | 1.0% | $801 |
| $300 to $499 | 516 | 3.0% | $1251 |
| $500 to $749 | 1,534 | 11.0% | $1926 |
| $750 to $999 | 2,949 | 21.0% | $2676 |
| $1,000 to $1,499 | 4,097 | 30.0% | $3801 |
| $1,500 or more | 4,297 | 31.0% | $5451 |
| Streets in Palmdale Area | Homeowners Insurance Cost |
|---|---|
| Churchill Ct, Pictorial St, E Ave Q 12, Sulphur Springs Rd, W Ave N12, 39th St W, Caminito Ln, Pike Rd, Martingale Rd, Cattle Creek Rd | $646 |
| Piazza Pl, Cottontail Trl, Kingcup Ter, Elk Run Ln, 95th St E, Lisa St, Lark Ln, 70th St, Antelope St, Cordoba Pl | $601 |
| Clermont Ave, Pergola Ter, Mesquite Rd, Lavery Rd, Windy Ct, Siberian Ct, Lilacview Ave, Caldron St, 67th St W, E 86th St | $673 |
| Honeysuckle Ave, E Ave Q-15, W Ave M-14, Teller Ave, Ocotillo Dr, Ave M-11, Sand Brook Dr, E Ave T6, E Ave S-11, Avignon Ln | $580 |
| Sinaloa St, Quail Rd, Dunbar St, Ridge Ave, E Ave S14, Riesling Ave, Bay Ridge Ct, Gunton Dr, Old Nadeau Rd, Dijon Ln | $604 |
| Pinnacle Way, Wesley Ct, Villa Moura Dr, Peachwood Pl, Mimosa Way, Oakcrest Ave, Tierra Subida Ave, Serval Way, Willow Ln, Rawson St | $609 |
| Old Harold Rd, Osmunda Ct, Sierra Vallejo Rd, Pompeii Way, Opal Ave, Sunrise View St, Ave Entrada, Forest View Rd, Mangrove Dr, Archail Ct | $647 |
| 106th St E, Dana Dr, Romona Rd, Mustang Ln, Wallace Canyon Rd, 51st St W, Las Brisas Ter, Anset Dr, W Ave M-4, Katrina St | $600 |
| Rosemarie St, 112th St E, Derby Cir, Godde Hill Rd, Galloping Way, Flag Way, Cranshaw Ln, E Ave R8, Margate Pl, W Ave M-10 | $608 |
| Rover Ridge Rd, Wales St, Theodore Ct, Gorham Ln, Borica Ct, Tackstem St, Beauty Vista Ln, E Ave P-15, Jefferson Dr, Old Windmill Rd | $623 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Palmdale | $89 to $91 |
| Desert View Highlands | $89 |
| Quartz Hill | $90 |
| Acton | $96 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | California Casualty | 407 |
| 150000 | 250 | New | Safeco | 504 |
| 150000 | 250 | New | Universal North America | 437 |
| 150000 | 500 | New | Homesite | 714 |
| 500000 | 1000 | New | IDS Property Casualty | 1212 |
| 500000 | 1000 | New | Oregon Mutual | 1102 |
| 500000 | 2500 | New | American Security | 1171 |
| 500000 | 2500 | New | Tokio Marine America | 743 |
| 750000 | 2500 | New | Farmers (Fire Ins) | 1408 |
| 750000 | 2500 | New | Unigard Group | 1890 |
| 150000 | 500 | 1-3 Years | USAA | 341 |
| 250000 | 1000 | 1-3 Years | Kemper | 623 |
| 300000 | 500 | 1-3 Years | Metropolitan Direct | 1237 |
| 300000 | 500 | 1-3 Years | QBE (Balboa) | 862 |
| 400000 | 1000 | 1-3 Years | Nationwide | 1029 |
| 500000 | 1000 | 1-3 Years | State Farm | 1288 |
| 750000 | 2500 | 1-3 Years | Stillwater Ins Co | 1305 |
| 250000 | 1000 | 4-6 Years | Kemper | 693 |
| 300000 | 500 | 4-6 Years | California Casualty | 992 |
| 200000 | 500 | 7-15 Years | Farmers (Fire Ins) | 1006 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $2,900 |
| Yearly Palmdale Homeowner Insurance Premium Example | $1,100 | $900 |
| Out of Pocket Expense During Claim | $1,900 | $2,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $10,700 | $10,100 |
| Net Savings to Palmdale Home Owner from High Deductible Plan | $600 | |
| Scenario | Palmdale, CA Home Replacement Value MORE than Home Value | Palmdale, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $283,000 | $178,500 |
| Insurance Premium based on Replacement Value | $950 | $600 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $39,000 | Risk Exposure from Under Insuring Coverage is $65,500 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $150/year |
| Insurance Company | Farmers Insurance | Allstate | GEICO Insurance |
| Monthly Premium | 58 | 27 | 70 |
| Year Built | 2006 | 2012 | 1998 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $200000-$250000 | $175000-$200000 | $400000-$500000 |
| Deductible | $500- $1000 Deductible | $5000 to $10,000 Deductible | $5000 to $10,000 Deductible |