Welcome to Desert Insurance Solution’s page about Palm Desert, California and issues related to Palm Desert homeowners insurance! For information about Desert Insurance Solutions, visit our home page here.
Palm Desert is a beautiful resort town located in the center of Southern California’s Coachella Valley, 14 miles east of Palm Springs. Palm Desert attracts many seasonal visitors and second home owners with its 348 warm sunny days per year. First developed in the 1950’s as a warm weather getaway, Palm Desert now has more than 50,000 residents enjoying life nestled in the shade of the Santa Rosa Mountains.
Things to Do in Palm Desert
Palm Desert is for the active! Hiking, biking and parks are all embraced. It’s a golf and tennis mecca. Palm Desert residents can play the two award winning Desert Willow golf courses at a substantial discount. The main places to dine and shop are along Highway 111 and along the fancy “El Paseo” also known as the “Rodeo Drive of the Desert”.
Fun attractions in Palm Desert include the McCallum Theatre of Performing Arts and the Living Desert wildlife center. Nearby cites host The American Express PGA Tournament, BNP Paribas Tennis Tournaments, Ironman, La Quinta and Indian Wells Art Festivals, the Coachella Music Festival, Stagecoach Music Festival and World Class Polo.
And it’s only a short drive west through Rancho Mirage to hipster Palm Springs, or east through Indian Wells to La Quinta…all places with great shopping, fine dining and more fun things to see and do!
Palm Desert Homeowners Insurance Issues
Palm Desert is a great place to live, but there are some unique Palm Desert homeowners insurance issues that you should be sure to address:
- High Value Homes. Each of the clubs listed above has homes valued at over $1mm. Homeowners at this level of net worth have unique liability exposures.
- Multiple Homes. Many Palm Desert homeowners live elsewhere in the hot summers. There are significant benefits to consolidating insurance, but to do that your agent needs to be licensed in multiple states.
- Earthquake. Palm Desert is located near the San Andreas Fault so earthquake insurance options should be considered.
- Wildfire Risk. Palm Desert is not exposed to wildfire risk, but certain insurance carriers are pricing large regions of Southern California for elevated wildfire risk regardless.
- Flood. Despite its desert location, Palm Desert experienced a significant flash flood in September, 2013.
- Pools. Pools on golf courses in Palm Desert may have different fencing requirements than other parts of the country.
- Vacation Rentals. Palm Desert restricts vacation rentals to certain zones only and those rentals are subject to licensing, taxes and rules. If you’re renting your house out, you need special insurance.
- Condo Form. If your free-standing home is legal form condominium and your HOA provides insurance on the structure without earthquake insurance, you can’t get earthquake insurance added to that policy for your individual home.
Bottom Line on Palm Desert Homeowners Insurance
Palm Desert is a great place to buy a home and live, especially in the fall, winter and spring. But there are a number of insurance issues, especially for high value multiple homeowners. The answer for insurance is Desert Insurance Solutions: an award-winning independent insurance broker, licensed in all states and located just down the road in nearby La Quinta!
Call us today at 480-477-8043 or 760-564-6800, or click here to learn more.