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

We recommend geico insurance. They have always been very helpful when we have had damage claims.
State Farm
State Farm is an excellent company which I would highly recommend. I never had any problems with any auto claims.I would imagine they would provide the same outstanding service with the renter's insurance.
Liberty Mutual
customer service is good and reliable.payments can be made online. you are able to see how much money you are saving with them. home insurance through liberty mutual is affordable and does not cost much.
State Farm
Compared to other companies, I think the deductible and premium is extremely affordable for my budget. The prices are very competitive and possess the right price point for many in the area.
Liberty Mutual
Insurance in general is very high for this area, but so far I would say the premium and deductible are comparable but I am always shopping around
State Farm
I would recommend State Farm because all around they have been easy to work with, have competitive pricing, friendly staff, and helpful whenever needed.
Allstate is ok, but I haven't had to deal with any insurance claims on my home. I will say that the customer service is not great at explaining why my premium increased each year.
My premium is very high in my opinion but there were never any discussions in how to lower that premium or what that would do to my deductible. I know I live in a hurricane zone but with all the policies out there.
I would vote a 5 because it was easy to get insurance and they had options for the prices which made it affordable. The customer service was actually very well also.
Fremont Home Insurance
I have only had one claim with them. The service I received was okay. I felt, though, that their followup with my claim has room for improvement.
The company I chose has the lowest overall premiums/deductibles while maintaining a high level of coverage for myself and my family.
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".
I can't file a claim after the storm because i am told, it's not in my best interest to file now.
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.
Before switching to my current insurer, my yearly premium was a couple hundred higher. After switching with better coverage, my premium went down.
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.
American Home Insurance
The login page is clunky and not consistent. No easy way to recover information if lost or forgotten. Hard to navigate and information for home and details is not easy to find.
I hate that the price for the yearly insurance goes up every year. Even when I did not have a claim.
State Farm
I have no clue how our insurance premiums rate to other companies. We have been with USAA for over 45 years and have no intention of changing companies.
State Farm
I don't like customer service and mobile app services and auto payments services and worst help form office staff and their neglects behavior.
State Farm
I have been pretty satisfied with them since I haven't really had to use them for anything. I like that they do not reach out to me too much.
I would RECOMMEND this option because of the customer service and the variety of options available through Nationwide.
Liberty Mutual
Liberty has great people that will exclusively handle your claim. I have had a great experience dealing with my claim adjuster who i can call at any moment and they will help me.
Farmer's Insurance
I think that they could reach out to their customers more regularly. I mean if you are investing in a company you want them to know that you care.
State Farm
I don't like that it's so large and that your agent doesn't really get to know you as well as they should. My agent, whenever I see her, she seems to be meeting me for the first time, each time.
Amica Mutual Insurance
What I do not like is your web portal, since it only works during the day, and it would be important to have it enabled for the night as well in case of an emergency

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

Fresno, CA Home Insurance Agents for Top Companies

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

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

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
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
1979 310,000 Wood Shake Roof 2,430 4 > $10,000 Deductible 480 12 Brick siding yes
1985 265,000 Shingles Roof 2,240 3 $1000-$2500 Deductible 280 6 Wood siding No
1993 315,000 Slate Shingles Roof 2,960 4 $2500-$5000 Deductible 70 1 Wood siding No
1998 210,000 Asphalt Shingles Roof 1,960 3 $2500-$5000 Deductible 250 6 Vinyl siding yes
2004 480,000 Membrane Roof 4,870 5 $5000 to $10,000 Deductible 720 10 Wood siding No
2012 580,000 Tile Roof 4,370 5 $500 Deductible 410 3 Wood siding yes
1996 255,000 Slate Shingles Roof 2,210 4 $500 Deductible 530 9 Brick siding No
1981 335,000 Slate Shingles Roof 2,510 4 $5000 to $10,000 Deductible 160 3 Stucco siding No
1988 360,000 Slate Shingles Roof 3,320 5 $500 Deductible 1160 12 Vinyl siding yes
2010 475,000 Metal Roof 3,460 5 $500- $1000 Deductible 560 4 Stucco siding No
2012 425,000 Asphalt Shingles Roof 3,080 4 $500 Deductible 980 8 Fiber-Cement Siding yes
1992 260,000 Slate Shingles Roof 1,830 3 $500 Deductible 370 6 Stucco siding yes
1960 235,000 Composition Roof 1,730 3 $5000 to $10,000 Deductible 340 8 Fiber-Cement Siding No
1995 280,000 Tile Roof 2,010 3 $1000-$2500 Deductible 70 1 Stone Siding yes
2004 200,000 Wood Shake Roof 1,380 3 $500 Deductible 150 4 Stucco siding No
2003 310,000 Tile Roof 2,990 4 $500 Deductible 680 9 Vinyl siding No
1963 485,000 Shingles Roof 4,330 5 > $10,000 Deductible 630 10 Vinyl siding yes
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

How To Make Your Fresno, CA Home Insurance Cheaper

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