Top 5 Home Insurance Companies in Palm Springs, CA
Check out the most popular Home Insurance agencies & companies in Palm Springs, CA & compare the best quotes from them.
Average Cost of Home Insurance in Palm Springs, CA
The average cost of homeowners insurance in Plam Springs, CA, is $871.06. Homeownership is not an easy endeavor. It takes years of backbreaking work and determination. Your home is your lifetime investment, and you cannot risk putting it at risk considering California's climatic conditions and crime rates. Therefore, the most precious asset calls for protection, which you can get from a home insurance policy in Palm Springs, CA. It will act as a financial backup in case of damage or break-ins like fire, flood, theft, earthquake, etc.
Before purchasing homeowners insurance in Palm Springs, CA, it is necessary to shop around a bit to get the best policy. Here are a top homeowners insurance companies in Pam Springs, CA.
Factors affecting home insurance in Palm Springs, CA:
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by the claims history
4. Homeowners insurance rates by the safety features
Homeowners Insurance in Palm Springs, CA - Rates by coverage level
Home insurance coverage includes the cost of repairing or replacing damage to the structure of your property. For example, broken electric lines/wires, water pipelines, or structural damage. The homeowners decide coverage as per their needs and budget. Therefore, the cost may vary accordingly. For example, homeowners opting for $200K coverage pay $495 on home insurance in Palm Springs, CA.
Refer to the chart below to know the applicable home insurance rates in Palm Springs, CA, based on the coverage level.
Homeowners Insurance in Palm Springs, CA - Rates by deductibles
The homeowner determines the homeowner's insurance deductibles during the time of purchase of the policy. Hence, the higher your deductible, the lower your premium in Palm Springs, CA. But homeowners must keep in mind that they will be responsible for paying more out of pocket towards a claim. For example, homeowners who opted for a deductible of $1000 pay $779 towards their home insurance in Palm Springs, CA. Homeowners who opted for a deductible of 500 pay $861 towards their home insurance in Palm Springs, CA.
Homeowners Insurance in Palm Springs, CA - Rates by claims history
Homeowners with prior claims get a raw deal regarding home insurance in Palm Springs, CA. Therefore, homeowners should avoid making claims for small and minor repairs like broken wires, damaged pipes, etc. This can lead to high home insurance rates in Palm Springs, CA. For example, homeowners in Sonoma County, CA, with zero claims history, have to pay a premium of $750. In contrast, homeowners with one or two claims must pay $950 and $976 on homeowners insurance in Palm Springs, CA.
Homeowners Insurance in Palm Springs, CA - Rates by the safety features
Home security and safety features are intended to reduce the risk of damage or injury and can further lower your homeowner's insurance rates in Palm Springs, CA. Lower risk generally means fewer claims. Therefore, insurance companies offer discounts on home insurance in Palm Springs, CA. For example, if you reside in an area apt to hurricanes, storms, or tornadoes, you should consider installing storm shutters at home to reduce the amount of wind entering your house. Homes equipped with fire extinguishers and deadbolts pay $767 and $784 on home insurance in Palm Springs, CA.
Top Home Insurance Companies in Palm Springs, CA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.56% |
| GEICO | A++ | 13.8% |
| Liberty Mutual | A | 6.24% |
| Nationwide | A+ | 4.15% |
| Travelers | A++ | 3.18% |
Top Liberty Mutual Home Insurance Agents in Palm Springs, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Michael Host | 2711 Canyon Springs Parkway, Suite A-104 92507 |
(951) 786-9477 | ||
| Nathan Wise | 7891 MISSION GROVE PKWY S STE G 92508 |
951-275-0340 | ||
| Giulia Goncalves | 5041 La Mart Dr Ste 200 92507 |
(951) 682-3586 | ||
| Rob Walker Lutcf | 68828 Ramon Rd Ste A 92234 |
(760) 770-9300 | ||
| Robin M Littere | 24910 Las Brisas Rd Ste 101 92562 |
(951) 698-4818 | ||
| Alfred J. Ricca | 30111 Technology Dr Ste 140 92563-2656 |
951-698-6666 | ||
| Chris Keaton Mpa | 913 W Menlo Ave 92543-1738 |
951-652-2196 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Allen Boudreaux | 12075 Heacock St 92557-7102 |
951-243-0077 Email:aboudreaux@geico.com |
||
| Rob Vahey | 72037 Dinah Shore Dr Ste B5 92270 |
(760) 202-3361 Email:rvahey@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Don Hoke Inc | 31034 Valley Center Rd Ste B 92082 |
(760) 749-6671 | ||
| Dan Coonfare Agency Llc | 454 N Arrowhead Ave 92401-1421 |
909-889-4017 | ||
| Deamond Insurance Agency Inc. | 26010 McCall Blvd Ste H 92586 |
(951) 301-3562 | ||
| Rolland & Associates | 2627 W Florida Ave Ste 203 92545 |
(951) 925-6458 | ||
| Dennis L Montgomery | 26010 McCall Blvd Ste H 92586 |
(951) 301-3562 | ||
| Stuart T. Wright | 34590 County Line Rd Ste 6 Yucaipa 92399 |
|||
| Robert Bloom | 26432 Hwy 18 92378 |
(909) 337-7111 | ||
| Bryan R Smith | 67555 E Palm Cyn Dr Ste F116 92234-5428 |
760-328-3233 | ||
| Ferullo Insurance Agencies Llc | 12139 Mt Vernon # 103 92313 |
(909) 783-9450 | ||
| Alfred Mark Sicard Agency | 34247 Yucaipa Blvd Ste G 92399-6118 |
909-797-9600 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Nathan Thomas | 4371 LATHAM ST STE 101 www.nathanthomas.com 92501 |
951-788-8500 | ||
| Rob Shirley | 77682 Country Club Dr Ste I www.stauntoninsuranceagent.com 92211 |
(760) 772-1907 | ||
| Julie De Rossi | 130 W VINE ST 92373 |
909-792-2345 | ||
| Erik Guillory | 357 W 2nd St Ste 10 www.guillorysf.com 92401 |
(909) 388-7490 | ||
| Rob Sweet | 47060 Washington St Ste 5202 www.sweetrob.com 92253 |
(760) 851-9864 | ||
| Rob Willson | 555 S Sunrise Way www.robwillson.com 92264 |
(760) 424-0202 | ||
| Patty Friedrich | 44751 VILLAGE COURT STE 100 www.pattyfriedrich.com 92260 |
(760) 341-9397 | ||
| Robin Peters | 117 S Main St Ste 203 92530 |
(951) 245-8470 | ||
| Julie Williams | 6809 INDIANA AVE 202 www.juliewilliamsinsurance.com 92506 |
951-300-9333 | ||
| Rob Voyvodic | 72880 Fred Waring Dr Ste D20 www.robvoyvodic.com 92260 |
(760) 776-8151 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Arrow Insurance Mgnt Inc | 26461 Highland Ave www.arrowinsurance.net 92346-2102 |
909-862-1827 Email:mlanduyt.arrow06@insuremail.net |
||
| Lalas Insurance Agency | 506 GRAHAM AVE W STE 105 92330 |
951-674-2375 Email:Lalasins@aol.com |
||
| Dac Insurance | 44-740 Monterey Avenue www.dacinsurance.com 92260-3326 |
760-776-1800 Email:Dan@dacinsurance.com |
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| Berry Ins Group Inc | 371 RR Cyn Rd Ste D www.berryinsgrp.com 92532-4456 |
951-245-6400 | ||
| Bensman Risk Management Inc | 29950 Haun Rd Ste 205 www.bensman.com 92586-6527 |
951-723-1900 Email:brm@bensman.com |
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| Fed Usa Retail Inc | 50855 Washington St Ste 2B 92253 |
(760) 340-4559 | ||
| Dopazo & Associates Inc | 1000 S Palm Canyon Dr Ste 104 92264 |
(760) 320-1973 | ||
| Efinity Insurance Corporation | 70390 Highway 111 Ste 104 www.efinityinsurance.com 92270 |
(760) 770-4888 Email:TPIETZSCH@EFINITYINSURANCE.COM |
||
| Ben Byrne Llc | 31205 Pauba Rd Ste 104 92592-6220 |
951-694-5330 | ||
| Billingslea Insurance & Real Estate Inc | 7248 Joshua Ln www.billingsleainsurance.com 92284-2923 |
760-365-7617 Email:james.billingslea@verizon.net |
| Home Insurance Company | Justified Complaint Ratio 2018 | Number of Justified Complaints 2018 | Justified Complaint Ratio 2017 | Number of Justified Complaints 2017 |
|---|---|---|---|---|
| Allstate | 1.7 | 11 | 2.4 | 16 |
| Nationwide | 3.2 | 2 | 1.6 | 1 |
| State Farm | 3.9 | 85 | 3.9 | 86 |
| Liberty Mutual | 11.5 | 31 | 5.6 | 14 |
Homeowners Insurance Comparison for the Cheapest Premiums in Palm Springs, CA
| GEICO | Travelers | Nationwide | |
| Median Home Value ($) | 366,540 | 326,540 | 316,540 |
| Construction year | 2010 | 1981 | 1974 |
| Home Coverage ($) | $400000-$500000 | $500000-$600000 | $300000-$350000 |
| Total Premium ($) | $958 | $1128 | $877 |
Palm Springs, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Liberty Mutual | upto 15% |
| GEICO | upto 24% |
| Nationwide | upto 11% |
| Travelers | upto 6% |