Victorville, CA Homeowners Insurance

Victorville is located 90 minutes away from Los Angeles in San Bernardino County. The city was incorporated in 1962 with a population of 8,110 residents. As of 2021, the city has a total population of 115,903 and covers a total land of 74.16 square miles. Victorville is best known for its location along Route 66 within Old Town Victorville historic district. 

The city features many historical attractions, such as the Victor Valley Museum that has a unique collection of natural memorabilia and artifacts. Victorville has been an ideal venue for shooting feature films, including Lethal Weapon, Face/Off, and Kill Bill: Volume 2. Big Bear Lake is also very famous as it distances people from the arid climate of the city. Residents and tourists can enjoy several outdoor activities here, including fishing, swimming, hiking, and mountain biking. The local restaurants are very well-loved among the residents of Victorville. The Galley Fish Tacos, located on Amargosa Road is the perfect place to enjoy fish tacos after taking a stroll around the city. 

There are 32,188 households in the city, with a homeownership rate of 54.4%. The median value of a home in Victorville, CA, is $177,599. Regardless of the property’s cost, homeowners of Victorville are always looking for cheap homeowners insurance policies. A standard homeowners insurance policy in Victorville will protect your most significant investment – your home, from any unforeseen financial setbacks. Although it is not legally required to purchase homeowners insurance, it’s wise to get one anyway. 

If you are looking to buy homeowners insurance in Victorville, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in Victorville

Your home is the biggest investment of your life, and it is vital to protect it against any unforeseen disasters. A standard homeowners insurance policy protects the homeowner’s assets, personal property and covers any medical bills. When you are looking for homeowners insurance, you need to compare rates from the best-rated companies in your area to ensure you get the best rates.

In Victorville, the average homeowner insurance rate is $619, which is relatively lower than the national and state average.  

Victorville Homeowners Insurance Rates Compared to State and National Averages

Victorville Average Home Insurance Cost (annual)California AverageUnited States Average
$619$1,173$1,444

Victorville Homeowners Insurance Premiums by Company

When you start looking for affordable Victorville homeowners insurance premiums, you will notice that rates vary significantly between companies. All the insurance companies offer special discounts, which affects the insurance price as well. You need to find the right insurance company for your needs. 

In Victorville, Mercury offers the cheapest homeowners insurance policy, valued at just $221 per year. 

Take a look at the table below and see rates offered by different insurance providers in Victorville. 

Victorville Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Mercury$221
Allstate$345
Nationwide$569
State Farm$841
USAA$978

Victorville Homeowners Insurance Rates by Coverage Amount 

When you purchase homeowners insurance, you need to choose a dwelling coverage limit covering the cost to rebuild or replace your home if it gets damaged due to any covered disaster. The dwelling coverage selected by you will have a direct impact on the cost of your homeowners insurance.  

Here’s how different coverage levels affect your annual homeowners insurance cost in Victorville:

Homeowners Insurance Rates in Victorville by Coverage Limits

Dwelling Coverage AmountAnnual Home Insurance Cost
$100,000$399
$200,000$998
$300,000$1,282
$400,000$1,643
$500,000$2,009
$750,000 to $1000,000$2,429

Victorville Homeowners Insurance Rates by ZIP Codes

Not every neighborhood has the same insurance rates in Victorville. If your neighborhood is prone to wildfires, floods, and heavy snow, you will likely have a high homeowners insurance premium. The cost of Victorville homeowners insurance depends on the local variables like your home location, number of claims submitted in your neighborhood, crime rate, and cost of the property.    

Take a look at the table below, and see how homeowners insurance rates in Victorville differ based on different ZIP codes. 

Cost of Homeowners Insurance in Victorville by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Alviso Ave92394$488
Chalon Rd92395$545
Baldy Mesa Rd92392$579
Glendale Pl92392$609
Keokuk Way92395$635

Popular Home Insurance Deductibles in Victorville

When you purchase homeowners insurance, your insurance agent would ask you to decide on a deductible amount. A deductible is a dollar amount that a homeowner is responsible for paying when filing an insurance claim. A high deductible can help you to reduce the cost of your homeowners insurance premium. 

The following table shows how Victorville homeowners insurance rates fluctuate based on different deductible amounts. 

Homeowners Insurance Cost in Victorville based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$611
$1,000$554
$1,500$522
$2,000$473
$5,000$421

Homeowners Insurance Coverages Available in Victorville

A standard homeowners insurance policy in Victorville provides coverage for:

  • Dwelling Coverage: Your homeowner’s insurance policy provides coverage against the damage caused by fire, hurricanes, vandalism, and other covered peril. Your insurance provider will reimburse the cost to repair or replace the structure of your property.  
  • Other Structure: Homeowners insurance also covers the structures attached to your home, such as a garage or shed. 
  • Personal Property: Homeowners insurance covers all the personal property that’s inside your house. Insurance companies also offer ‘Off-Premises’ coverage specific to your personal possessions like jewelry. 
  • Loss of Use: After an unforeseen event, if you are forced to stay out of your home, your insurance policy will cover all the living expenses related to housing and food till your house gets repaired. 
  • Personal Liability: If your son or a dog was responsible for causing an injury to someone or their property, your insurance would cover it. 
  • Medical Expenses: If a guest gets injured at your house, your Victorville homeowner insurance will be responsible for paying for their medical expenses.

Best Home Insurance Companies in Victorville, CA

When looking for a homeowner insurance policy in Victorville, don’t just pay attention to the cost. You need to also consider the customer service, claim process, and financial status of the insurance provider. 

We compiled a list of the best Victorvile homeowners insurance companies based on J.D. Power Rankings, A.M. Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Victorville

CompanyJ.D. Power RankingA.M. Best RatingBBB Rating
Liberty Mutuals3 out of 5 starsAA-
Travelers5 out of 5 starA++ (Superior)A+
Erie5 out of 5 starsA+ (Superior)A+
GEICO5 out of 5 starsA++ (Superior)A+
Allstate3 out of 5 starsA++ (Superior)A+

Top Homeowners Insurance Agents in Victorville

Homeowners Insurance Agency Near Victorville, CAAddress

Aims Insurance Services – Victorville DMV

14839 Corta Dr suite b, Victorville, CA 92395

Farmers Insurance – Fabian Armendariz

14335 Hesperia Rd Ste 109, Victorville, CA 92395

Northstar Pacific Insurance

15417 Anacapa Rd, Victorville, CA 92392

Hammer Insurance Services Inc.

14931 Palmdale Rd, Victorville, CA 92392

Farmers Insurance – Mayra Becerril

14359 Amargosa Rd Ste F, Victorville, CA 92392

City Best Insurance Services

15024 Bear Valley Rd B, Victorville, CA 92395

Armstrong Fairway Insurance Agency

17072 Silica Dr #103, Victorville, CA 92395

Common Causes of Home Insurance Claims in Victorville

The most common reason for homeowners insurance claims in Victorville is related to weather. Here are common reasons for homeowners insurance claims in Victorville:

  • Damages caused to the exterior of the house by strong winds 
  • Appliance or equipment failure
  • Hail damages 
  • Theft and burglary 

Money-Saving Tips for Victorville Homeowners Insurance 

If you want to save money on your Victorville homeowners insurance, you can try these steps: 

  • Renovating your home
  • Bundling your home and auto insurance
  • Construction type of your home
  • Installing sprinklers, fire alarms, and burglar alarms
  • Paying the premium in full. 

The best way to reduce the cost of your homeowners insurance policy is by bundling your home and auto insurance. Bundling can reduce your insurance premium by 20%. 

Refer to the following table to see how bundling your home and auto insurance affects your insurance premiums.

Auto & Homeowners Insurance Bundling Discounts in Victorville, CA

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,098
GEICO$989
Farmers$1,022
AAA$1,028
State Farm$1,040

Special Resources for Residents of Victorville: 

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Victorville, CA Homeowners Insurance FAQs

Your Victorville homeowners insurance policy covers your personal belongings against any damages caused by covered perils. Generally, the policy covers personal belongings at 50% and the loss of use coverage at 20%.

Standard homeowners insurance provides financial coverage against losses caused by disasters, theft, and accidents. Most of the homeowners insurance policies offer four types of coverage:

  • Coverage for the structure of your home
  • Coverage for your personal belongings
  • Personal liability protection
  • Coverage for additional living expenses that might incur while your property is getting repaired. 

Most homeowners insurance in Hayward offers coverage against the damages caused during theft and vandalism. We recommend getting a replacement cost coverage to reimburse the cost to repair or replace the damaged items.

A standard homeowners insurance policy covers the wildfire damages. If your home is inhabitable after a wildfire, the homeowners insurance will cover the expenses and reimburse you the cost. Before you sign up for your insurance agreement, be sure to ask your agent about the coverage.

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