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.
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 |
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 |
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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Fresno, CA | 2.9% | 11.8% |
| Mayfair | 4.24% | 14.3% |
| Old Fig Garden | 2.85% | 7.66% |
| Tarpey Village | 3.34% | 13.73% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Fresno | $90 to $92 |
| Mayfair | $88 |
| Old Fig Garden | $92 |
| Tarpey Village | $89 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 1-3 Years | Oregon Mutual | 432 |
| 150000 | 250 | 4-6 Years | Wawanesa | 497 |
| 150000 | 250 | 7-15 Years | Stillwater Ins Co | 688 |
| 150000 | 250 | 26-40 Years | CSAA Ins Exch | 802 |
| 150000 | 250 | 41-70 Years | Sequoia (Personal Express) | 551 |
| 150000 | 500 | New | Unigard Group | 440 |
| 150000 | 500 | 1-3 Years | American Modern | 542 |
| 150000 | 500 | 4-6 Years | Homesite | 786 |
| 150000 | 500 | 16-25 Years | Amco | 752 |
| 150000 | 500 | 16-25 Years | Safeco | 532 |
| 200000 | 500 | 4-6 Years | Grange | 720 |
| 200000 | 500 | 7-15 Years | Horace Mann | 521 |
| 200000 | 500 | 16-25 Years | QBE (Balboa) | 815 |
| 200000 | 500 | 16-25 Years | Wawanesa | 655 |
| 250000 | 1000 | 1-3 Years | California Casualty | 539 |
| 250000 | 1000 | 41-70 Years | Farmers (Fire Ins) | 1190 |
| 250000 | 500 | New | Tokio Marine America | 383 |
| 250000 | 500 | 1-3 Years | USAA | 687 |
| 250000 | 500 | 7-15 Years | General Ins | 706 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Farmers Insurance | State Farm | Chubb Group of Insurance |
| Monthly Premium | 42 | 27 | 42 |
| Year Built | 2007 | 1968 | 1984 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $175000-$200000 | $350000-$400000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |