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.
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 Average Home Insurance Cost (annual)||California Average||United States Average|
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.
|Company||Average Annual Premium Rate|
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 Amount||Annual Home Insurance Cost|
|$750,000 to $1000,000||$2,429|
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.
|Neighborhood||ZIP Code||Average annual homeowners insurance rate|
|Baldy Mesa Rd||92392||$579|
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.
|Deductible Level||Average Annual Homeowners Insurance Rate|
A standard homeowners insurance policy in Victorville provides coverage for:
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
|Company||J.D. Power Ranking||A.M. Best Rating||BBB Rating|
|Liberty Mutuals||3 out of 5 stars||A||A-|
|Travelers||5 out of 5 star||A++ (Superior)||A+|
|Erie||5 out of 5 stars||A+ (Superior)||A+|
|GEICO||5 out of 5 stars||A++ (Superior)||A+|
|Allstate||3 out of 5 stars||A++ (Superior)||A+|
|Homeowners Insurance Agency Near Victorville, CA||Address|
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|
The most common reason for homeowners insurance claims in Victorville is related to weather. Here are common reasons for homeowners insurance claims in Victorville:
If you want to save money on your Victorville homeowners insurance, you can try these steps:
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.
|Company||Avg. Annual Auto Insurance Rate (With Bundle)|
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:
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.