The Best Cheap Homeowners Insurance in Apple Valley, California for 2025: Quotes and Reviews


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Updated: January 15, 2025

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Key Takeaways

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Based on the information provided for Apple Valley, MoneyGeek has identified the cheapest home insurance providers for different levels of dwelling coverage. Here's a breakdown:

For $250,000 in Dwelling Coverage:
While the data you provided does not directly specify providers for $250,000 in dwelling coverage, we can infer from the general trends:

- Allstate: The rate for baseline dwelling coverage, which is likely comparable for lower coverages like $250,000 based on market trends, is $1,558 per year.
- ASI: Offers a rate of $1,682 per year for baseline dwelling coverage.

Most Affordable Option: Allstate offers the most affordable premium at $1,558 per year for what would likely be comparable to $250,000 in dwelling coverage based on baseline rates.

For $2 Million in Dwelling Coverage:
When higher dwelling coverage is needed, particularly $2 million, the cheapest insurance options are:

- ASI: At $4,796 per year, ASI is the most affordable option.
- Allstate: Comes in at $6,346 per year.

Most Affordable Option: ASI is the cheapest for $2 million in dwelling coverage, with an annual premium of $4,796.

Additional Context:
- For homeowners considering higher personal property coverage or newer homes, ASI and Allstate consistently provide competitive rates.
- Remember, the baseline coverage mentioned typically reflects a $500,000 dwelling scenario.
- When exploring options, consider customer satisfaction, provider stability, and additional benefits that might influence your decision beyond just the premium cost.

For more insights or personalized quotes, it would be advisable to use the provided resources or contact insurers directly.

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Based on the data provided, the best homeowners insurance provider in Apple Valley is Allstate. Here's a breakdown of why Allstate stands out as the top choice:

Affordability:
- Baseline Dwelling Coverage: Allstate offers a competitive annual premium of $1,558 for baseline dwelling coverage, which is below the Apple Valley average cost of $2,332 per year.
- Additional Dwelling Coverage: For those requiring $2 million in coverage, Allstate charges $6,346 annually, which is higher than ASI's rate of $4,796 but remains competitive given the other benefits.
- Higher Personal Property Coverage: When seeking increased personal property coverage, Allstate's rate is $1,615 per year, cheaper than the average and competitive relative to other providers like ASI.

Financial Stability:
- Allstate is well-regarded for its financial stability, meaning it has a robust capacity to pay claims. This is crucial for homeowners who need assurance that their claims will be handled efficiently and promptly.

Unique Coverage Features:
- Allstate provides a range of policy options and endorsements that can cater to diverse homeowner needs. This flexibility allows homeowners to customize their policies according to specific risks or preferences.

Additional Considerations:
- Customer Satisfaction: According to MoneyGeek's evaluations, Allstate scores well on user satisfaction metrics, which include service quality and claims processing, making it a reliable choice for policyholders.
- Options for New Homes and Higher Deductibles: Allstate remains competitive even for newly constructed homes ($1,615 per year) and offers good rates for higher deductibles, with a premium of $1,466 per year for a $2,000 deductible.

Though USAA ranks as the best overall, it is only available to military families. In comparison, Allstate is accessible to all Apple Valley residents and offers a blend of affordability, stability, and comprehensive coverage tailored to various needs, keeping it as the top choice for homeowners in the region.

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In Apple Valley, California, home insurers are not allowed to charge higher premiums based on poor credit scores, as per state regulations. This means homeowners with poor credit will still pay comparable rates to others without credit score considerations. Therefore, the cheapest home insurance providers, irrespective of credit scores, are:

1. Allstate: $1,558 per year
2. ASI: $1,682 per year

These rates apply to the standard coverage profile detailed and are unaffected by credit scores, given the regulatory environment in California.

Influence of Credit Scores on Insurance Rates:

Typically, in many places outside of California, an individual's credit score can significantly influence home insurance rates. Insurers use credit scores as a risk assessment tool, assuming that individuals with lower scores might be more likely to file claims. This practice stems from the correlation observed by insurers between credit management and claim proclivity. Consequently, homeowners with lower credit scores might face higher premiums in these areas, as they're deemed higher risk by insurers. However, this practice is not applicable in Apple Valley due to California's consumer protection regulations that ensure fairer premiums regardless of credit history.

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.

Company
Annual Premium

1.

USAA

$1,504.00

2.

Allstate

$1,558.00

3.

ASI

$1,682.00

4.

Travelers

$1,766.00

5.

AAA

$1,782.00

6.

State Farm

$1,970.00

7.

AIG

$2,271.00

8.

Universal North America

$2,317.00

9.

Nationwide

$2,451.00

10.

Hartford

$2,785.00

11.

Chubb

$3,061.00

12.

MetLife

$3,321.00

13.

Farmers

$3,846.00

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

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 2024

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.

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$220
High
$144
Average
$104
Low

Rates updated:

Jan 21, 2025

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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.


1
USAA
Score:100

5/5

Affordability

5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About USAA

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.

2
Allstate
Score:93

5/5

Affordability

4.2/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About Allstate

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.

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
Company
New Construction Premium

1.

USAA

$1,178.00

2.

Allstate

$1,405.00

3.

ASI

$1,081.00

4.

Travelers

$1,146.00

5.

AAA

$1,375.00

6.

State Farm

$1,379.00

7.

AIG

$2,027.00

8.

Universal North America

$1,788.00

9.

Nationwide

$1,852.00

10.

Hartford

$2,023.00

11.

Chubb

$2,723.00

12.

MetLife

$2,563.00

13.

Farmers

$2,613.00

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.

Company
Higher Personal Property Premium

1.

USAA

$1,573.00

2.

Allstate

$1,615.00

3.

ASI

$1,828.00

4.

Travelers

$1,931.00

5.

AAA

$2,036.00

6.

State Farm

$2,044.00

7.

AIG

$2,581.00

8.

Universal North America

$2,647.00

9.

Nationwide

$3,028.00

10.

Hartford

$3,121.00

11.

Chubb

$3,976.00

12.

MetLife

$3,794.00

13.

Farmers

$4,299.00

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.

Company
Higher Deductible Premium

1.

USAA

$1,181.00

2.

Allstate

$1,466.00

3.

ASI

$1,525.00

4.

Travelers

$1,404.00

5.

AAA

$1,536.00

6.

State Farm

$1,778.00

7.

AIG

$2,096.00

8.

Universal North America

$1,997.00

9.

Nationwide

$2,038.00

10.

Hartford

$2,322.00

11.

Chubb

$2,636.00

12.

MetLife

$2,863.00

13.

Farmers

$3,319.00

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.

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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.
Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!

He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.