The Cheapest and Best Homeowners Insurance in Apple Valley
The Cheapest Home Insurance Companies in Apple Valley
In Apple Valley, most home insurers offer the same coverages and discounts, but for very different prices.
MoneyGeek found that the cheapest two insurers in Apple Valley for the average homeowner with baseline dwelling coverage requirements are:
- Allstate: $1,558 per year
- ASI: $1,682 per year
While USAA is the cheapest insurer in Apple Valley for baseline dwelling coverage, it only offers its policies to military families, so we kept it off our list.
If you want additional dwelling coverage, the cheapest options for $2 million in coverage are:
- ASI: $4,796 per year
- Allstate: $6,346 per year
You can use the table below to see how different dwelling coverages affect the home insurance price.
The Cheapest Home Insurance in Apple Valley, Ranked
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The insurance policies noted here for Apple Valley have a baseline dwelling coverage of $500,000 and personal property coverage of $200,000. Policies with dwelling coverage of $2 million offer $800,000 in personal property coverage. The liability coverage for either type of policy is $100,000 in Apple Valley.
If you live in any other city, you can check home insurance policies in California.
The Average Cost of Homeowners Insurance in Apple Valley for 2022
The average cost of home insurance in Apple Valley is around $2,332 per year. So, if you live in Apple Valley you will pay a little more for homeowners insurance than residents of most California cities, where the state average is $2,002. You will also pay more than the national average, which is $2,103 per year.
Calculate the Cost of Home Insurance in Apple Valley
While location is a prime factor in determining the cost of home insurance, other factors — such as how much coverage you are buying, the age of your home, the amount of personal property coverage you need and your credit score — also affect the policy price.
You can compare home insurance quotes in Apple Valley, California, with our home insurance calculator.
Home Insurance Calculator
These are annual estimates. Get a personalized quote to determine your costs.
The Best Home Insurance Companies in Apple Valley
Price is undoubtedly the prime factor when deciding which policy to buy in Apple Valley. However, you should also consider factors like whether the insurer provides good customer service and whether the company is financially stable and able to settle claims quickly in your time of need.
MoneyGeek has evaluated insurers based on such factors, and determined that the best home insurers in Apple Valley are:
- Best Overall: USAA
- Runner-up: Allstate
MoneyGeek ranked home insurance companies in the city based on affordability, user satisfaction and financial stability. Please note that USAA only offers coverage to veterans and military families.
USAA scores the highest points for customer satisfaction, financial stability and affordability in Apple Valley. It offers a homeowners insurance policy for $1,504 per year, while the average premium for home insurance in the city is $2,332. It also offers coverages like home rental, earthquake and others.
USAA offers earthquake coverage, which is important in California. This coverage protects your home against damages caused by earthquakes. In addition, USAA offers home rental coverage for you and your guests when you rent out a room or your entire house.Read MoneyGeek's USAA home Insurance Review
Allstate scored the highest for affordability in Apple Valley. Its scores for financial stability are also on the higher end, while it gets fair ratings for customer satisfaction. Allstate offers home insurance in Apple Valley for $1,558 per year, compared to the city's average of $2,332 per year. It offers a variety of additional coverages, including some unique ones like mold, yard and garden, energy efficiency upgrade and home rental.
Allstate’s yard and garden coverage option pays for expenses related to planting trees, landscaping and lawn mowers. You can also get coverage for mold and fungus-related issues in your home. These coverages are add-ons you’ll need to purchase separately.Read MoneyGeek's Allstate home Insurance Review
Cheapest Home Insurance Companies in Apple Valley for Newly Constructed Homes
Insurers in Apple Valley charge lower premiums for new homes because they are built with modern materials which are less prone to damage. For example, Apple Valley homeowners pay around $1,799 per year to insure newly built homes, compared to $2,332 per year for homes built in 2000.
The two cheapest insurers for insuring new homes in Apple Valley are:
- ASI: $1,081 per year
- Travelers: $1,146 per year
The Cheapest Home Insurance in Apple Valley for New Homes, Ranked
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Cheapest Home Insurance Companies in Apple Valley if You Have a Lot of Personal Property
Home insurance includes coverage for personal property, although cost will depend on the amount of coverage you need. In Apple Valley, a policy with a standard dwelling coverage of $500,000 comes with personal property coverage of $200,000, for an annual premium of around $2,332. If you increase the personal property coverage to $250,000, the premium will be around $2,664 per year.
The two cheapest insurers for homeowners who require higher personal property coverage in Apple Valley are:
- Allstate: $1,615 per year
- ASI: $1,828 per year
Although USAA offers policies with higher personal property coverage at the lowest annual premium, these are only available to veterans and military families. Thus, we haven’t included the company in our list.
Cheap Companies in Apple Valley for Extra Personal Property Coverage
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Cheapest Home Insurance Companies in Apple Valley for High Deductibles
The higher your home insurance deductible, the more you will pay out of pocket at the time of a claim, but the lower your premium will be. A policy with a $2,000 deductible costs around $2,010 per year, while the standard premium for a deductible of $1,000 is around $2,332 per year.
The insurance companies in Apple Valley that charges the lowest premiums for a higher deductible of $2,000 are:
- Travelers: $1,404 per year
- Allstate: $1,466 per year
Although USAA provides the cheapest policy for a higher deductible in Apple Valley, it only offers policies to veterans and military families.
The Cheapest Companies in Apple Valley for High Deductibles, Ranked
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Cheapest Home Insurance Companies in Apple Valley if You Have Poor Credit
In Apple Valley, home insurers cannot charge extra or higher premiums if you have a poor credit score. Per regulations in the state of California, all homeowners pay comparable premiums, regardless of their credit scores.
Getting Online Homeowners Insurance Quotes in Apple Valley
To get home insurance quotes in Apple Valley online, you will need to gather the following information:
- Replacement cost of your home: Replacement cost helps determine your dwelling coverage limits. You should hire a building contractor or construction professional to get an estimate of your replacement cost. This is not the market value of the home, but the cost required to rebuild it.
- Value of personal property you want to insure: The value of your items will determine appropriate personal property coverage limits.
- Personal information: You’ll need to enter your address, information about who lives in your home, your insurance history and other details.
- Information about your house: The insurer will ask about the age of your house, how big it is, what safety devices you have and more.
Homeowners Insurance in Apple Valley Analysis: Methodology
MoneyGeek analyzed home insurance premiums from 13 companies in Apple Valley. The data and information were provided in partnership in Quadrant, and quotes were collected for a home with varying coverage levels to calculate affordability scores. The base profile was for a home with 2,500 square feet, built in the year 2000 with dwelling coverage of $500,000, personal property coverage of $200,000, liability coverage of $100,000 and a $1,000 deductible. Quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage needs, higher deductibles and poor credit scores. We have gathered the customer satisfaction ratings from J.D. Power surveys.
About Mark Fitzpatrick