Cheap Homeowners Insurance Palmdale

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cheap homeowners insurance palmdaleOver the last 25 years Palmdale has consistently been ranked in the top 25 fastest growing cities in the United States. Palmdale is located in Los Angeles County, and the residential areas of Palmdale and Los Angeles are separated by the San Gabriel mountain range. The cost of living in Palmdale is 20% lower than the California average, and 8% higher than the national average. The cost of housing in Palmdale is 7% higher than the national average, at about $252,000. If you own a home here it is very important to understand how much insurance you need according to the special features of the area. This will help you get the best cheap homeowners insurance Palmdale has available.

cheap homeowners insurance palmdale 2The overall crime rate in Palmdale is 16% lower than the national average, and property crimes is 29% lower than the California average and 25% lower than the national average. The unemployment rate in Palmdale is 46% higher than the national average, so many residents commute to nearby larger cities for work. Location and crime rate are important factors in determining the cost of homeowners insurance.

Winter is Palmdale’s rainy season and is prone to flash flooding during this time. On occasion, it will snow, sometimes with several inches of accumulation. Summer storms are common, and even though the temperature is hot, there is still heavy rain and thunderstorms. Flooding is not usually covered under basic homeowners insurance, nor is earthquake damage. In fact, less than 10% of California homeowners have earthquake insurance. Given the track record for earthquakes in California it is highly recommended that residents carry earthquake insurance, as well as damages from flooding.

About Homeowners Insurance in Palmdale

cheap homeowners insurance palmdale 3Since each homeowner is an individual, not every person will want the same coverage. However, there are certain aspects to homeowners insurance that are necessary. Most policies generally cover the following:

  • Damage to your home, such as permanent structures being destroyed by fire.
  • Damage to personal property, including items in your home being damaged that are not permanent structures.
  • Liability Coverage, which can be useful in legal matters or if there is an accident at your residents.
  • Limited Coverage for theft, which covers things such as stolen jewelry or other expensive property.

California has many cheap homeowners insurance carriers to choose from and premium rates are largely based on who is providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance Palmdale has to offer.