Fresno Insurance Rates:

Fresno, CA home insurance is roughly $512 to $692, about $42-$57/month. Our detailed research indicates shoppers can save as much as $240 by comparing different quotes

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Fresno Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $470/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Bath 2520 sqft Seasonal Residence Constructed In 1998 with Wood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $230/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $450,000

5 Beds, 5 Bath 3520 sqft Seasonal Residence Constructed In 1980 with Carpet Flooring, Membrane Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $170/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Baths 1960 sqft Rental Property Constructed In 1999 with Wood Flooring, Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $40/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1700 sqft Primary Residence Constructed In 1975 with Linoleum, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $90/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1290 sqft Seasonal Residence Constructed In 1979 with Linoleum, Membrane Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Female 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 Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $130/2 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1624 sqft Primary Residence Constructed In 1987 with Carpet Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

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Fresno Rates & Quotes Analysis:

Fresno Area Estimated House Insurance
Kenmore Dr S, N Cherry Ln, Martin Luther King Jr Blvd, Tracy, N Gateway, N Rittenhouse Ln, Calaveras St, N Wilmington Dr, N Bliss Ave, N Terry Ave$595
Redington, N Bendel Ave, Medical Center Dr W, E Skyview Ave, Amedeo Ln, E Jolson Ave, N Bliss Ave, N Seacrest Dr, Irwin Ave, W Omaha Ave$605
E Ticonderoga Dr, S Eunice Ave, Jasmine Ave, S Prospect Ave, N Everest Ave, S Blosser Ave, N Serento Ln, W Loma Linda Ave, Root Ave, E Mildreda Ave$600
W Austin Way, Caesar Ave, E Olympic Dr, E Province Ave, Coventry Ave, Columbia Dr N, N Green Meadows Ln, S Callisch Ave, N Marion Ave, W Mission St$590
S Waverly Ln, S Plumas St, Gibson Ave, W Brompton Ln, E Ellery Ave, Delete, E Sample Ave, San Joaquin St, S Purdue, N Renn Ave$594
N Fifth St, E Aircorp Way, N McArthur Ave, W Silverhill Ln, E Park Circle Dr, W Willamette Ave, S Fancher Dr, S Karen Ave, Robinson Ave, Caesar Ave$623
Palm Dr, E Andrews, N Brix Ave, N Ensanada Ave, W Garrett Ave, Douglas Ave, E Buckhill Rd, S Banneker Ave, E Prescott Ave, San Gabriel$609
Douglas Ave, E Gilbert Ave, N Dewey Ave, E Muncie Ave, E Stuart Ave, W Kenosha Ave, E Gilbert Ave, S Anna St, W Capitola Ave, W Goux Ave$596
N Anderson, N Sandrini Ave, N Page Ave, W Providence Ave, N Karen Ave, N Fine, E Atwood Ave, Poe, E Trenton Ave, N Walling Ave$613
W Vermont Ave, Evergreen Ave, S Poppy Ave, Austin St, Santa Ana, N Chris Ave, W Loquat Ln, N Pistachio, E Grove, N Via Milano Way$582

Insurance rates are influenced by a number of factors including:

  • Year Built: 34,636 Homes (14% of total homes ) built between 1980 to 1989 in Fresno are paying home insurance between $898-$907. Places close to Fresno, CA such as Old Fig Garden, Sunnyside, Clovis are more expensive by $23, $13, $10 respectively while Mayfair and Tarpey Village are cheaper by $22 and $11 respectively for similar homes.
  • Bedrooms: 63,815 2 bedrooms homes (28% of total homes ) in Fresno are paying about $175. Areas near to Fresno such as Old Fig Garden, Tarpey Village, Calwa are costlier by $11, $4, $5 respectively whereas Chowchilla and Matheny are more economical by $3, $4 respectively for similar homes.
  • Auto Insurance Bundling: 30,034 Households (26% of all households) in Fresno have 3 or more vehicles available and when it is bundled with home insurance you can save $150. Discounts for similar bundling in close by locations such as Mayfair, Old Fig Garden, Tarpey Village come to $146, $154, $148 respectively.
  • Senior Discounts: 54,376 seniors (more than 55 years) occupied housing units (47% of total) in Fresno get discounts between $90 to $92 in contrast with Mayfair ($88), Old Fig Garden ($92), Tarpey Village ($89).
  • New Homes discounts: New homes such as the 99,023 homes built between 2000 to 2009 in Fresno can save $120 in contrast with Mayfair ($117), Old Fig Garden ($123), Tarpey Village ($119).

Fresno Homeowners insurance Facts

  • Fresno, CA has 114,582 owner occupied houses which is 53.5% of all units whereas Mayfair, Old Fig Garden and Tarpey Village have 66.93%, 70.9% and 92.69% respectively.
  • Fresno, CA homeowners yearly insurance price at $602 is 0.28% of the typical house value of $217,100 which is in contrast with 0.47% in Mayfair, 0.2% at Old Fig Garden & 0.34% in Tarpey Village.
  • Homeowners in Fresno, CA pay 3.44% of their income ($15,000 to $19,999) in insurance whereas homeowners in Mayfair, Old Fig Garden and Tarpey Village pay 3.35%, 3.53% and 3.4% respectively.
  • Fresno, CA’s insurance is 2.9% of monthly housing costs of $1,704/month, for owners with a mortgage compared to 4.24% in Mayfair, 2.85% at Old Fig Garden & 3.34% in Tarpey Village. But, for households without a mortgage, insurance is 11.8% of costs ($426 in Fresno, CA) in contrast with 14.3% in Mayfair, 7.66% at Old Fig Garden & 13.73% in Tarpey Village.

Fresno, CA Home Values & Insurance rates

For example, insurance for 7,612 Homes (7.0% of total homes ) valued between $100,000 to $124,999 in Fresno, CA is about $301. Rates in nearby areas in such as Clovis, Fort Washington, Fowler are cheaper by $46, $165, $23 respectively while Mayfair and Tarpey Village are costlier by $215 and $67 respectively for similar homes.

Fresno, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,521 5.0% $66
$50,000 to $59,999 1,272 1.0% $144
$60,000 to $69,999 1,495 1.0% $174
$70,000 to $79,999 1,786 1.0% $204
$80,000 to $89,999 2,905 2.0% $234
$90,000 to $99,999 2,452 2.0% $258
$100,000 to $124,999 7,612 7.0% $301
$125,000 to $149,999 7,106 7.0% $379
$150,000 to $174,999 12,092 12.0% $445
$175,000 to $199,999 8,966 8.0% $517
$200,000 to $249,999 17,774 17.0% $620
$250,000 to $299,999 14,477 14.0% $758
$300,000 to $399,999 16,922 16.0% $969

Renters Insurance in Fresno

  • Average Renters Insurance in Fresno :  $196($16/month)

  • Median Gross Rent in Fresno :  $890

  • Fresno Renters Insurance to Median Rent Ratio:  1.8%

  • Average household size of renter-occupied unit :  3.11

Fresno Renters Insurance as a Percentage of Rent

Fresno Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 987 1.0% $349
$200 to $299 2,717 2.0% $799
$300 to $499 5,805 6.0% $1249
$500 to $749 21,020 21.0% $1924
$750 to $999 28,694 29.0% $2674
$1,000 to $1,499 26,574 27.0% $3799
$1,500 or more 10,687 11.0% $5449

Rent Affordability in Fresno:

Approximately 53.0% (53,065) of households are spending more than 35% of their income on gross rent in Fresno

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 9,141 9.0%
15.0 to 19.9 percent 9,299 9.0%
20.0 to 24.9 percent 9,767 9.0%
25.0 to 29.9 percent 10,053 10.0%
30.0 to 34.9 percent 8,324 8.0%
35.0 percent or more 53,065 53.0%

Fresno Renters Insurance Discounts:

Fresno Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Fresno, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 45,135 45.0% $19.6
2 vehicles available 28,272 28.0% $29.4
3 or more vehicles available 8,230 8.0% $39.2

Fresno Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 6,138 6.0% $89
60 to 64 years 4,342 4.0% $71
65 to 74 years 5,952 5.0% $57
75 years and over 5,961 5.0% $44

Protective device discount in Fresno Up to :  $29

Claims-free discount in Fresno Up to :  $39

Fresno, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93711 $331,000 $620
93720 $283,500 $620
93710 $209,300 $600
93727 $201,400 $600
93722 $196,000 $600
93726 $157,300 $600
93705 $145,500 $590
93703 $127,800 $590
93701 $122,400 $590
93728 $121,500 $590
93721 $117,800 $590
93702 $100,600 $590

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