Updated: November 30, 2024
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In Victorville, CA, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best.Â
Choosing the best inexpensive home insurance depends on what you value, such as costs or how a company helps when you have questions or problems.
Best HomeInsuranceVictorville, CATable of Contents
Why Trust MoneyGeek? We used data from the California Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Victorville.
In Victorville, home insurance rates represent the most favorable quotations as of September 2024.
MoneyGeek found that Allstate is the best option in Victorville, CA, for home insurance with $100K dwelling coverage, scoring 83 out of 100.Â
The scores for home insurance companies in Victorville range from 52 to 83. These figures are based on MoneyGeek's scoring system, and insurers may have different scores depending on your credit history and the age of your home.
| Allstate | 83 | $381 |
| Travelers | 81 | $559 |
| Chubb | 79 | $780 |
| Farmers | 79 | $496 |
| State Farm | 65 | $926 |
| Capital Insurance Group | 54 | $702 |
| Nationwide | 54 | $1,121 |
MoneyGeek found that Allstate is the best option in Victorville, CA, for $100K dwelling coverage. The two best overall home insurance companies in Victorville for $100K dwelling coverage are:
Allstate stands out as the best home insurance provider because it offers affordability and a balanced customer satisfaction score.Â
Victorville, CA, homeowners have a choice among various companies, each offering different costs and service experiences. While affordability is key, other factors — such as customer support and coverage options — are important, especially when filing a claim.
Allstate scores high in affordability and customer satisfaction. Discounts like bundle and responsible payment help save money. Bundling home and auto policies can save up to 25%.
Allstate's cyber event/id theft coverage helps recover lost data and covers legal fees if your identity is stolen. Back-up of sewer or drain coverage protects against water damage from drain issues. These coverages are valuable for homeowners seeking extra protection.
MoneyGeek found that Chubb offers the best customer service in home insurance in Victorville, CA, for $100K dwelling coverage. Here are the top providers for this coverage level:
Chubb excels due to its high customer satisfaction and robust coverage options. Excellent service in home insurance means timely processing of claims and being responsive to your concerns and needs.
Chubb is the best for service quality, with high scores in satisfaction and coverage. You can save with discounts on new homes and home renovations. For example, you get a discount if your home was renovated within the last six years.
Chubb provides useful coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit. Building ordinance or law coverage pays for updates to meet current codes. Cash settlement allows you to receive a payout if you choose not to rebuild after a total loss.
MoneyGeek found that Allstate is the best cheap home insurance company in Victorville, CA, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Allstate stands out for its affordability and high customer satisfaction. It offers a lower premium while maintaining quality service. Often, choosing the best cheap home insurance involves opting for lower coverage limits, which saves money but might not suffice if significant damage occurs. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.Â
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.
Allstate is the best cheap company with high scores in affordability and satisfaction. You can save with discounts like responsible payment, which rewards good payment history, and early payment, which saves you money when you sign up early.
It offers comprehensive home insurance with cyber event/ID theft, which helps if your identity is stolen, and back-up of sewer or drain coverages, which covers water damage from broken drains. Yard and garden increases limits for landscaping costs.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 12, 2024
Homeowners insurance in Victorville is influenced by several factors, with location being key. Comparing rates is the best way to save, but it can take over an hour to research three or more companies, as each can take up to 15 minutes. Use MoneyGeek's home insurance calculator to save instantly by evaluating important factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and more for a quick rate estimate.
Allstate stands out in Victorville, CA, as the most cost-effective option for homeowners insurance. The following companies offer the lowest annual premiums in their respective dwelling coverage categories:
Allstate stands out with the lowest premium and a high score in Victorville. The company offers competitive prices for different coverage amounts. Choosing the right amount of dwelling coverage is essential as it significantly affects the insurance premium.
Selecting the cheapest homeowners insurance in California can be a smart strategy to handle personal finances better.
| Allstate | $381 |
| Farmers | $496 |
| Travelers | $559 |
| Capital Insurance Group | $702 |
| Chubb | $780 |
| State Farm | $926 |
| Nationwide | $1,121 |
Allstate is the top choice for high-value home insurance in Victorville, California, for $750K dwelling coverage. High dwelling coverage is essential because homes that are costlier to replace require more protection, and home insurance costs are rising.
Allstate stands out due to its low premiums, making it the most affordable option in Victorville. According to MoneyGeek, while Allstate is the cheapest, it is also highly rated, hinting that affordable doesn't mean compromising on quality.
| Allstate | $2,114 |
| Travelers | $2,840 |
| Capital Insurance Group | $2,943 |
| State Farm | $4,499 |
| Chubb | $4,629 |
| Farmers | $5,229 |
| Nationwide | $5,797 |
Farmers is the most affordable for dwelling coverage of $100K for new homes in Victorville, CA.
Farmers stands out as the cheapest homeowners insurance in Victorville because of its low annual premium for new homes. However, the cheapest option may not always be the best according to MoneyGeek.
Make sure you are adequately covered when choosing home insurance.
| Farmers | $234 |
| Allstate | $277 |
| Travelers | $298 |
| Nationwide | $446 |
| Capital Insurance Group | $457 |
| State Farm | $462 |
| Chubb | $626 |
Securing the best cheap homeowners insurance is about finding a provider that delivers excellent customer service and comprehensive coverage at an affordable rate. Providers that achieve this balance offer peace of mind without breaking the bank, ensuring you are well protected from various risks to your home.
To guide you through the process, we outlined key factors to consider when seeking the best and most affordable homeowners insurance for your home.
To determine how much home insurance coverage you need, consider the specifics of your Victorville, CA, home, including rebuilding costs, personal property value and liability requirements.
Research insurance companies operating in Victorville, CA. Look for those with strong financial stability, positive customer reviews and a history of quality service.
Once you understand your coverage needs, compare home insurance quotes. In Victorville, CA, premiums for $100K dwelling coverage range from $381 to $926 annually.
Inquire with each provider about potential discounts, such as those for policy bundling, safety feature installations or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can cover in case of a claim.
Enhancing your home's security with systems and sturdy locks can lower its risk profile and potentially decrease insurance costs.
Keep a strong credit score as it impacts your insurance rates in Victorville, CA. Ensure timely bill payments and manage debt effectively.
Consider combining your homeowners insurance with other policies, like auto insurance, to achieve potential savings through discounts.
The best cheap home insurance provider for you in Victorville ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Victorville, California.
The average cost of home insurance in Victorville, California, is $553.
The cheapest home insurance company in Victorville, California, is Allstate with an annual premium of $381.
The best home insurance in California for Victorville residents is provided by Allstate, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
