Clovis Insurance Rates:

Clovis, CA home insurance is roughly $517 to $700, about $43-$58/month. Our complete guide indicates shoppers can save as much as $243 by getting multiple quotes

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Clovis, California Home Insurance reviews to distinguish between reality & fairy tales. Compare real quotes from top providers & buy the cheapest.

Clovis Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $450/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 2100 sqft Vacation Property Constructed In 1987 with Stone Flooring, Composition Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $230/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 1380 sqft Vacation Property Constructed In 1992 with Linoleum, Composition Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $340/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Baths 2800 sqft Primary Residence Constructed In 1986 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Bath 1490 sqft Rental Property Constructed In 2002 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $720/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $565,000

5 Beds, 5 Baths 4000 sqft Primary Residence Constructed In 1985 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $70/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

3 Beds, 3 Bath 2210 sqft Seasonal Residence Constructed In 2013 with Wood Flooring, Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $280/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

5 Beds, 5 Baths 2220 sqft Vacation Property Constructed In 2001 with Wood Flooring, Composition Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $740/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

3 Beds, 3 Baths 2210 sqft Seasonal Residence Constructed In 1983 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $310/3 months for $350,000-$400,000 Coverage
Policy Holder Home Details :

Home Value : $335,000

3 Beds, 3 Baths 2113 sqft Primary Residence Constructed In 2008 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Clovis, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93611 $266,500 $620
93612 $169,800 $600

Clovis Rates & Quotes Analysis:

Clovis Area Estimated House Insurance
Houston Ave, W Bedford, Rialto Ave, W Sierra, Megan Ave, N Judy Ave, Bellaire Way, N Harvard Ave, N Fancher Ln, N Leonard$615
Trenton Ln, N Traverse Ave, N Montana Ave, Applegate Ave, Kaweah, W Kelly Ave, Carolina Ave, N Halifax, Russell Ave, W el Paso Ave$613
N Jasmine, W Decatur, Burl Ave, Cherryfield Ave, Norwich Ave, Backowski Ave, W Richmond, Whittier Ave, Fordham, Purvis$616
Quincy, Miami Ave, Brookhaven Dr, Shirley Ave, Filbert, Windsor Ave, Caesar Ave, W Heritage, Morris Ave, N Air-Fresno Dr$601
Quincy, Miami Ct, Cindy, N Fancher Ave, Fir Ave, Lansing Ave, Karen Ave, N Ezie Ave, Cromwell, Waldby St$611

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,413 Homes (20% of total homes ) built between 1970 to 1979 in Clovis are paying home insurance between $987-$996. Places close to Clovis, CA such as Fort Washington, Old Fig Garden, Friant are more expensive by $65, $14, $20 respectively while Tarpey Village and Fresno County are cheaper by $23 and $12 respectively for similar homes.
  • Bedrooms: 7,679 2 bedrooms homes (21% of total homes ) in Clovis are paying about $183. Areas near to Clovis such as Fort Washington, Old Fig Garden, Shaver Lake are costlier by $6, $3, $13 respectively whereas Tarpey Village and Fresno are more economical by $4, $8 respectively for similar homes.
  • Auto Insurance Bundling: 5,741 Households (27% of all households) in Clovis have 3 or more vehicles available and when it is bundled with home insurance you can save $152. Discounts for similar bundling in close by locations such as Tarpey Village, Fresno County, Fresno come to $148, $150, $150 respectively.
  • Senior Discounts: 8,978 seniors (more than 55 years) occupied housing units (43% of total) in Clovis get discounts between $91 to $93. The comparative concessions in proximate regions such as Tarpey Village, Fresno County and Fort Washington are $89, $90 and $97 respectively.
  • New Homes discounts: New homes such as the 18,665 homes built between 2000 to 2009 in Clovis can save $121 and similar new home insurance discounts in nearby towns and cities like Tarpey Village, Fresno County and Fresno are $119, $120 and $120 respectively.

Clovis Homeowners insurance Facts

  • Clovis, CA has 20,598 owner occupied houses which is 62.6% of all units whereas Tarpey Village, Fresno County and Fresno have 92.69%, 54.2% and 53.49% respectively.
  • Clovis, CA homeowners yearly insurance price at $609 is 0.24% of the typical house value of $259,000 which is in contrast with 0.34% in Tarpey Village, 0.28% at Fresno County & 0.28% in Fresno.
  • Homeowners in Clovis, CA pay 1.87% of their income ($30,000 to $34,999) in insurance whereas homeowners in Tarpey Village, Fresno County and Fresno pay 1.83%, 1.85% and 1.85% respectively.
  • Clovis, CA’s insurance is 2.6% of monthly housing costs of $1,981/month, for owners with a mortgage compared to 3.34% in Tarpey Village, 3.04% at Fresno County & 2.94% in Fresno. But, for households without a mortgage, insurance is 10.0% of costs ($507 in Clovis, CA) in contrast with 13.73% in Tarpey Village, 12.25% at Fresno County & 11.78% in Fresno.

Clovis, CA Home Values & Insurance rates

For example, insurance for 770 Homes (4.0% of total homes ) valued between $125,000 to $149,999 in Clovis, CA is about $322. Rates in nearby areas in such as Old Fig Garden, Sunnyside, Minkler are cheaper by $57, $17, $11 respectively while Tarpey Village and Fresno County are costlier by $136 and $62 respectively for similar homes.

Clovis, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 778 4.0% $54
$100,000 to $124,999 615 3.0% $255
$125,000 to $149,999 770 4.0% $322
$150,000 to $174,999 1,922 10.0% $377
$175,000 to $199,999 1,448 8.0% $438
$200,000 to $249,999 3,612 20.0% $529
$250,000 to $299,999 3,396 19.0% $645
$300,000 to $399,999 4,491 25.0% $822

Renters Insurance in Clovis

  • Average Renters Insurance in Clovis :  $181($15/month)

  • Median Gross Rent in Clovis :  $1,007

  • Clovis Renters Insurance to Median Rent Ratio:  1.49%

  • Average household size of renter-occupied unit :  2.74

Clovis Renters Insurance as a Percentage of Rent

Clovis Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 223 1.0% $1245
$500 to $749 1,985 16.0% $1920
$750 to $999 3,584 29.0% $2670
$1,000 to $1,499 3,982 33.0% $3795
$1,500 or more 2,092 17.0% $5445

Protective device discount in Clovis Up to :  $27

Claims-free discount in Clovis Up to :  $36