Fresno Insurance Rates:

Fresno ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Fresno, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Fresno, CA is $1307. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Fresno, CA: Customer-Reviewed Options


Fresno, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Fresno, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Fresno, CA.

Coverage Level Average Annual Premium
$100,000 $523
$200,000 $889
$300,000 $1,098
$400,000 $1,673
$500,000 $2,104


Fresno, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Fresno can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
093711 $1,260
93720 $1,254
93710 $1,234
93727 $1,235
93722 $1,231
93726 $1,218
93705 $1,218
93703 $1,211
93701 $1,207
93728 $1,217
93721 $1,211
93702 $1,206


Fresno, CA Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Fresno, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,340
$1000 Deductible $1,199
$1500 Deductible $1,131
$2500 Deductible $1,019
$5000 Deductible $863



Top Home Insurance Agents Near Fresno, CA

Home Insurance Company Near Fresno, CA Homeowners Insurance Agency Near Fresno, CA Address
Farmers Bruce Busby 618 W Willow Ave, Visalia, CA, 93291
State Farm Chad Mazgedian 777 Minnewawa Ave Ste 24, Clovis, CA, 93612-1731
Travelers Klassen And Associates Insurance Services 1300 E MANNING, REEDLEY, CA, 93654
Travelers Sierra Gateway Ins Servs Inc 499 W Shaw Ave, Ste 140, Fresno, CA, 93704
Liberty Mutual Independent United Valley Insurance Ser 3245 W FIGARDEN DR, FRESNO, CA, 93711

Fresno, CA Home Insurance Agents for Top Companies


Fresno, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Mayfair CDP, California $73 $97 $146
Old Fig Garden CDP, California $77 $103 $154
Tarpey Village CDP, California $74 $99 $148


Fresno, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Fresno, CA2.9%11.8%
Old Fig Garden2.85%7.66%
Tarpey Village3.34%13.73%

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

Cost Of Homeowners Insurance By Street Near Fresno, CA

Streets in Fresno Area Homeowners Insurance Cost
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

Fresno, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fresno$90 to $92
Old Fig Garden$92
Tarpey Village$89

Average Cost Of Home Insurance By Company In Areas Nearby Fresno For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002501-3 YearsOregon Mutual432
1500002504-6 YearsWawanesa497
1500002507-15 YearsStillwater Ins Co688
15000025026-40 YearsCSAA Ins Exch802
15000025041-70 YearsSequoia (Personal Express)551
150000500NewUnigard Group440
1500005001-3 YearsAmerican Modern542
1500005004-6 YearsHomesite786
15000050016-25 YearsAmco752
15000050016-25 YearsSafeco532
2000005004-6 YearsGrange720
2000005007-15 YearsHorace Mann521
20000050016-25 YearsQBE (Balboa)815
20000050016-25 YearsWawanesa655
25000010001-3 YearsCalifornia Casualty539
250000100041-70 YearsFarmers (Fire Ins)1190
250000500NewTokio Marine America383
2500005001-3 YearsUSAA687
2500005007-15 YearsGeneral Ins706


Fresno, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Fresno Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,000$7,400
Net Savings to Fresno Home Owner from High Deductible Plan $600


Fresno, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fresno, CA Home Replacement Value MORE than Home Value Fresno, CA Home Replacement Value LESS than Home Value
Replacement Value $344,500 $264,500
Insurance Premium based on Replacement Value $900 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $32,500 Risk Exposure from Under Insuring Coverage is $47,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $100/year


Example Fresno Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceState FarmChubb Group of Insurance
Monthly Premium 422742
Year Built 200719681984
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $250000-$300000$175000-$200000$350000-$400000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible> $10,000 Deductible