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Homeowners Insurance in 92284

In Yucca Valley, CA, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 92284 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our California licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 92284 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 92284 should appear in the zip code field ready to go.

92284 Homeowners Insurance Rates Are Considered: High!

If your looking for a standard homeowners policy in California, you are going to see rates around the average home insurance premium per year of $938. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Yucca Valley home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 92284 Home Insurance Rates Now!

Best 3 Options to Compare in 92284

If you want homeowners insurance quotes within the city of Yucca Valley or in the 92284 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Yucca Valley, CA.

92284 Home Insurance Average Premiums

Local 92284 homeowners insurance quotes comparison

$688 /yr.

Shows Zip Code: 92284 lowest rates with discounts applied on average.

For the 92284, 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)
$688 /yr.
Average Coverage:$938 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1238 /yr.

What is the average home insurance cost for a home in 92284?

  • • The average homeowners insurance premium paid annually for a home in 92284 is around $938 per year.

What does it cost on average per month for home insurance in 92284?

  • • Homeowners in 92284 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 92284?

  • • Autoowners in 92284 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Yucca Valley area, check out other zip codes nearby 92284.
Review average rates in another zip code:
92284 homeowners insurance rates

Home Replacement Cost Coverage in 92284

Average Building Cost Per Square Foot in 92284: $324

Location: Yucca Valley, California (San Bernardino County)

Average Square Footage in 92284: 695 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 92284 before you start any project. Yucca Valley homeowners pay on average around $324 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 92284 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 92284 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 695 sq. ft. and the average cost to rebuild the home in this area is around $324 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Yucca Valley area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$324695$225,100
Additional Upgrades & Added Features$405695$281,375
Major Home Updates or Advancements$486695$337,650

It's important to understand that when you estimate your replacement cost of your home in the 92284 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 92284

Best Home & Auto Insurance Agencies in 92284

Dunn, Bob Agent - Bob Dunn State Farm Insurance

Address: 7248 Joshua Ln Yucca Valley, CA 92284
Phone:
Website: http://www.bobdunnsf.com/
Info:

Williams Insurance Services

Address: 55898 Twentynine Palms Hwy Yucca Valley, CA 92284
Phone:
Website: http://www.wisservice.com/
Info:

Allstate Insurance Company - Raleigh Strader

Address: 57353 Twentynine Palms Hwy Yucca Valley, CA 92284
Phone:
Website: http://www.allstateagencies.com/070880?cid=OTC-YP.com-IYP&att=TL
Info:

Jennifer Collins-Farmers Insurance

Address: 57492 Twentynine Palms Hwy, #A Yucca Valley, CA 92284
Phone:
Website: http://www.farmersagent.com/jcollins/
Info:

Housing Demographics for 92284

Population Review for 92284 Zip Code

For the city of Yucca Valley, the population within 92284 has increased to over 26,993 residents in population size. The current population total is 25,931. We have broken down the population based on race below. In 92284, there are over 12733 in male population and 13198 females.

PopulationValues
Total Population25,931
White Population18809
Black Population846
Hispanic Population5854
Asian Population675
Hawaiian Population78
Indian Population373
Other Population1982
Male Population12733
Female Population13198
Population Estimate26993

Household Data for 92284

The average number of homes in 92284 is around 10,550, there are an average of 2.44 per household. The average house value according to local real estate values is around $225,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,550
Persons Per Household2.44
Average House Value$225,100
Income Per Household$50353
Median Age43.5
Median Age Male42.7
Median Age Female44.4
92284 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code760/442
CityYucca Valley
City Alias NameYUCCA VALLEY
CountySan Bernardino
County FIPS071
State FIPS06
Time Zone8
Day Light SavingY
MSA4472
PMSA6780
CSA348
CBSA40140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameRiverside-San Bernardino-Ontario, CA
MSA_NameLos Angeles-Riverside-Orange County, CA
PMSA_NameRiverside-San Bernardino, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses476
Number Of Employees4017
Business First Quarter Payroll34268
Business Annual Payroll153856
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4224851
CBSA Division Population0
Congressional District23
Congressional LandArea9898
Delivery Residential11063
Delivery Business674
Delivery Total11787
Preferred Last Line KeyZ23959
Classification Code
Multi-County
CSA NameLos Angeles-Long Beach, CA
CBSA_DIV_Name
City State KeyZ23959
Land Area127.477000
Water Area0.000000
City Alias Code
City Mixed CaseYucca Valley
City Alias Mixed CaseYucca Valley
Box Count0
SFDU9495
MFDU197
State ANSI06
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number058682
Unique ZIP Name
SSA State County Code05460
Medicare CBSA Code40140
Medicare CBSA NameRiverside-San Bernardino-Ontario, CA
Medicare CBSA TypeMetro
Market Rating Area ID17
County Mixed CaseSan Bernardino

California Homeowners Insurance News & Information

  • 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, […]

  • 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

    California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

  • 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

    Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]