Victorville ,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 Victorville, 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 Victorville, CA is $1298. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Victorville, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Victorville, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $519 |
| $200,000 | $883 |
| $300,000 | $1,090 |
| $400,000 | $1,661 |
| $500,000 | $2,090 |
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 Victorville, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,331 |
| $1000 Deductible | $1,190 |
| $1500 Deductible | $1,123 |
| $2500 Deductible | $1,012 |
| $5000 Deductible | $857 |
| Home Insurance Company Near Victorville, CA | Homeowners Insurance Agency Near Victorville, CA | Address |
|---|---|---|
| State Farm | Bill Solberg | 401 Brookside Ave, Redlands, CA, 92373-4609 |
| Travelers | Mark Insurance Services | 510 E FOOTHILL BLVD STE 105, SAN DIMAS, CA, 91773 |
| State Farm | Mike Gaumer | 8440 Maple Pl Ste 104, Rch Cucamonga, CA, 91730-3873 |
| Farmers | Patricia Cisneros | 1364 Camino Real Ste 150b, San Bernardino, CA, 92408 |
| State Farm | Roger Martinez | 1901 W Pacific Ave Ste 203, West Covina, CA, 91790-2090 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Mountain View Acres CDP, California | $73 | $97 | $146 |
| Spring Valley Lake CDP, California | $76 | $101 | $151 |
| Adelanto city, California | $73 | $97 | $146 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Victorville, CA | 3% | 13.0% |
| Mountain View Acres | 4.91% | 19.57% |
| Spring Valley Lake | 2.73% | 12.0% |
| Adelanto | 3.41% | 13.41% |
| Victorville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 157 | 1.0% | $804 |
| $300 to $499 | 323 | 2.0% | $1254 |
| $500 to $749 | 1,426 | 12.0% | $1929 |
| $750 to $999 | 2,759 | 23.0% | $2679 |
| $1,000 to $1,499 | 4,610 | 39.0% | $3804 |
| $1,500 or more | 2,429 | 20.0% | $5454 |
| Streets in Victorville Area | Homeowners Insurance Cost |
|---|---|
| Molino Dr, Placer Dr, Alviso Ave, Coad Rd, Dancove Ct, Chalon Rd, Winona St, Aspen Way, Tesoro Rd, Pitcher Ct | $584 |
| Linking Ln, Zenda St, Majela Rd, Huerta St, Wrangler Rd, Glendale Pl, Sabre Rd, Eagle Ranch Pkwy, Tude Rd, Bishop Ln | $610 |
| Riverstone Dr, Michael St, Sonora Way, Corton Rd, Arvila St, Helena Dr, Rushill Ct, Baldy Mesa Rd, Horseshoe Trl, Calendula Rd | $582 |
| Laurel Oak Rd, Meyer St, Four Winds Ln, Koala Rd, Desert Star St, Basswood Ln, el Rio Rd, Sweet Pea Rd, Deerfield St, Chatsworth Rd | $592 |
| Texas Ave, Desert Oak Cir, Prenda Ct, Maribelle Dr, Briarcliff Dr, Stonegate Cir, Dayton St, Flanders Ave, Via Palma Rd, Dodd St | $593 |
| Roca Ln, Cerquita Ct, Hodge Rd, Monaco Dr, Snowdrop Ct, Barcelona Way, Arabian Run Ln, Deep Canyon Ln, Lorica Rd, Moonglow Ln | $592 |
| High Meadow Ct, Hemingway Dr, Keokuk Way, Nelliebell Dr, Nielson Ct, Kokomo Way, Highland Ct, Salermo Ct, Hunter Rd, Laramie Way | $599 |
| Ilona St, Buggy Whip Ct, Oak Hill Rd, Dos Lomas Ct, Silversand St, Cactus Rd S, Guava Way, St Basil Ave, Rattlesnake Gulch Rd, Tejon St | $583 |
| Pueblo Ct, Balboa Dr, S Perimeter Rd, Trinidad Dr, Venice Ln, Dorsey Ct, Emily Rd, Sonoma Rd, Jupiter Ave, Pachappa Rd | $609 |
| Goldstone Cir, Cackley Rd, Dogwood Ct, Foxfire Rd, Gridley St, Antelope Dr, Bellrose Ct, Cavern, Zinfandel Dr, Pearl Rd | $592 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Victorville | $88 to $90 |
| Mountain View Acres | $88 |
| Spring Valley Lake | $90 |
| Adelanto | $87 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | Chubb/Federal | 970 |
| 250000 | 500 | New | Chubb/Federal | 1187 |
| 250000 | 500 | New | Stillwater Ins Co | 669 |
| 300000 | 500 | New | MAPFRE Group | 684 |
| 500000 | 2500 | New | Universal North America | 708 |
| 150000 | 250 | 1-3 Years | MAPFRE Group | 498 |
| 200000 | 500 | 1-3 Years | Farmers (Fire Ins) | 749 |
| 400000 | 1000 | 1-3 Years | State Farm | 971 |
| 500000 | 1000 | 1-3 Years | Pacific Property And Casualty | 532 |
| 500000 | 2500 | 1-3 Years | Oregon Mutual | 781 |
| 750000 | 2500 | 1-3 Years | Foremost Insurance | 3029 |
| 150000 | 500 | 4-6 Years | MAPFRE Group | 510 |
| 200000 | 500 | 4-6 Years | First American Ins | 568 |
| 200000 | 500 | 4-6 Years | Stillwater Ins Co | 797 |
| 250000 | 1000 | 4-6 Years | First American Ins | 584 |
| 250000 | 1000 | 4-6 Years | Nationwide | 831 |
| 300000 | 500 | 4-6 Years | American Security | 878 |
| 300000 | 500 | 4-6 Years | Amica Mutual | 874 |
| 400000 | 1000 | 4-6 Years | Pacific Property And Casualty | 519 |
| 500000 | 1000 | 4-6 Years | Pacific Property And Casualty | 647 |
| 750000 | 2500 | 4-6 Years | Encompass | 2496 |
| 250000 | 500 | 7-15 Years | Nationwide | 1130 |
| 300000 | 500 | 7-15 Years | American Reliable | 942 |
| 300000 | 500 | 7-15 Years | Grange | 1011 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $2,900 |
| Yearly Victorville Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $1,900 | $2,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,500 | $6,900 |
| Net Savings to Victorville Home Owner from High Deductible Plan | $600 | |
| Scenario | Victorville, CA Home Replacement Value MORE than Home Value | Victorville, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $179,000 | $120,000 |
| Insurance Premium based on Replacement Value | $550 | $375 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $23,000 | Risk Exposure from Under Insuring Coverage is $36,000 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $75/year |
| Insurance Company | Allstate | Amica Mutual Insurance Company | State Farm |
| Monthly Premium | 28 | 23 | 23 |
| Year Built | 2009 | 1990 | 2012 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $175000-$200000 | $200000-$250000 |
| Deductible | $500 Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible |