Fresno Insurance Rates:

Fresno, CA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
We get a small town vibe with our agents. they are always in the community, participating in local events and are visibly "seen".
Allstate
I can't file a claim after the storm because i am told, it's not in my best interest to file now.
Nationwide
Our homeowner policy states that if anything is stolen we are eligible for a more modern item. that is wonderful, knowing that all of our things are protected for their full value and then some.
State Farm
Our premium keeps increasing and my neighbors have found that shopping around can provide better coverage. But when switching companies, they will not cover the roof which is the most likely "loss" in my area.
Progressive
Before switching to my current insurer, my yearly premium was a couple hundred higher. After switching with better coverage, my premium went down.
Allstate
I was with All State for almost 30 years and my premiums kept going up and I only had two claims in 30 years. I moved to USAA and got immediate relief on my premiums for home and auto. And the rates have stayed reasonable since then.

Fresno, CA Homeowners Insurance By Home Value

Fresno, CA Home Value Total Homes % of Total Average Fresno, CA 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

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

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
Mayfair$88
Old Fig Garden$92
Tarpey Village$89

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%
Mayfair4.24%14.3%
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

Fresno, CA Homeowners 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

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
Deductible$800$1,800
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

Sample Home Insurance Rates for Fresno, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1978 495,000 Asphalt Shingles Roof 4,620 5 > $10,000 Deductible 480 7 Vinyl siding yes
1980 270,000 Wood Shake Roof 2,290 3 $1000-$2500 Deductible 280 6 Fiber-Cement Siding yes
2012 295,000 Shingles Roof 2,580 5 $500- $1000 Deductible 320 8 Vinyl siding No
1979 375,000 Metal Roof 3,260 4 $5000 to $10,000 Deductible 800 12 Brick siding yes
2012 190,000 Membrane Roof 1,360 3 $5000 to $10,000 Deductible 490 12 Stucco siding No
1995 215,000 Composition Roof 2,190 3 $5000 to $10,000 Deductible 130 4 Fiber-Cement Siding No
1996 330,000 Membrane Roof 2,800 4 > $10,000 Deductible 310 7 Stone Siding yes
1980 290,000 Metal Roof 2,000 5 > $10,000 Deductible 50 2 Brick siding No
1998 275,000 Composition Roof 2,520 4 $500- $1000 Deductible 470 6 Brick siding yes
1980 450,000 Membrane Roof 3,520 5 > $10,000 Deductible 230 5 Stone Siding yes
1999 220,000 Shingles Roof 1,960 5 > $10,000 Deductible 170 6 Brick siding yes
1975 180,000 Wood Shake Roof 1,700 3 $500- $1000 Deductible 40 1 Fiber-Cement Siding No
1979 140,000 Membrane Roof 1,290 3 $500 Deductible 90 2 Stone Siding yes
1987 190,000 Composition Roof 1,624 3 $1000-$2500 Deductible 130 2 Fiber-Cement Siding No