Get Apple Valley, CA Home Insurance Rates!

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The population of Apple Valley is around 117,304 and the average family household is around 3 people per home. Witin this city, it is estimated that a total of 13,523 homes are currently insured under a homeowners policy and the total number of occupied households is roughly . The people of Apple Valley that own a home or purchasing a new home are looking to easily compare homeowners insurance rates with competitive pricing and enhanced coverage benefits. We provide a comparision shopping experience that is hassle free and you have the chance to review multiple policy options.

The Cost of Homeowners Insurance in Apple Valley

Home insurance cost is very competitive in the city of Apple Valley. You may be paying an average annual premium of $1,241 while the rest of the country is paying a median price of $1,311 on average with a standard HO-3 homeowners policy. This means that California ranks 24 in the country when it comes to comparing average home insurance rates.

Avg. CA RateDiscountsSavingsShop Rates
$1,241up to 40% off$496

Apple Valley Homeowners Insurance Coverage Types

Did you know that Apple Valley homeowners have several options to choose from when it coming to picking the right insurance type for you and your family? Below is a list of a few of the different, yet common homeowners insurance types.

  • HO-2: Basic Policy This policy only covers damage from certain perils that are stated in the policy. If the peril is not listed, it will not be covered. Your personal property is also covered. Most home insurance agents don't recommend these policies except for the most basic coverage needs. An HO-2 policy is usually for homeowners with no mortgage that want to pay the cheapest home insurance premium possible and on most situaionts the primary residence is currently paid in full. Most mortgage providers will not allow homeowners to have an HO-2 policy because of the added risk and minimized coverage protection.
  • HO-3: Standard Policy This is by far the most common homeowners policy available. It will cover all perils, with the exception of certain perils listed on your policy, such as flooding and earthquake damage.
  • HO-4: Renters Policy The HO-4 policy is for renters. It will protect all of the personal property in your apartment, up to your policy limits, as well as offering liability coverage. The liability portion of the policy will protect your financial assets if someone is injured in your apartment. It will pay for any medical costs as well as defend you in a lawsuit if you happen to be sued. These polices are very affordable and should definitely be considered if you currently live in an apartment.

The city of Apple Valley has a median household income of $55,131 it is above the national average of $68,703. Housing is another great reason to live in Apple Valley with the average home costing $251,700.

Compare Homeowners Insurance Rates in Apple Valley, CA!

Enter your Zip Code:    

Get up to 12 competitive Apple Valley, CA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Apple Valley, CA rates all in one place!

Servicing Apple Valley, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Apple Valley agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our Apple Valley, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the Apple Valley, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Apple Valley

Are you looking for homeowners insurance in a city near Apple Valley? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Apple Valley, CA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Apple Valley.

92307,     92308,     

Apple Valley, CA Home Insurance Average Premiums

Local Apple Valley, CA home insurance quotes comparison

$682 /yr.

Shows Apple Valley's lowest average rates with discounts applied.

For the city of Apple Valley, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$682 /yr.
Average Coverage:$932 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1232 /yr.

What is the average home insurance cost for a home in Apple Valley, CA?

  • • The average homeowners insurance premium paid annually for a home in Apple Valley is around $932 per year.

What does it cost on average per month for home insurance in Apple Valley, CA?

  • • Homeowners in Apple Valley pay an average cost per month around $78.00 for insurance coverage.

Apple Valley, CA Coastal Wind, Hail & Flood Information

Apple Valley is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Apple Valley, CA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $403,173 $386,172
February $400,570 $391,737
March $398,356 $396,864
April $396,972 $401,725

Homeowners insurance will help cover the cost to repair or replace your Apple Valley home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Apple Valley
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Apple Valley, CA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Apple Valley, CA rates all in one place!

Saving Money Tips on Apple Valley Home Insurance

A great way to save money on Apple Valley homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Apple Valley area? Check out what homeowners are paying on average for California homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
3465 ft. This is the average home elevation in Apple Valley, CA

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Apple Valley, California.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Apple Valley, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in San Bernardino County.

California Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

Apple Valley, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Apple Valley so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Apple Valley, CA?

- The average square footage in Apple Valley is around 777 Sq. Ft. which would cost you around $251,700 to replace the home if you base the home on the price to build per square foot of $324.

Minimum Replacement Cost Total: $251,700

Location: Apple Valley, California (San Bernardino County)

Average Building Cost Per Square Foot in Apple Valley: $324 (low end)

Average Square Footage in Apple Valley: 777 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$324$251,700
Some Additional Upgrades$405$314,625
Major Home Updates or Advancements$486$377,550

The dwelling coverage is calculated by the average cost per square foot ($324) in Apple Valley, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,012,500 (Media price to build of $405 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.