Best & Cheapest Homeowners Insurance in Fresno, CA For April, 2024

In Fresno, Allstate offers the most affordable homeowners insurance, with an average annual cost of $1,302.

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Updated: 19 March 2024
Written by
Bob Phillips
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After conducting a thorough evaluation of home insurance options in Fresno, California, we found that Allstate offers the most economical choice, with an average yearly premium of $1,302. However, it’s important to note that the best insurer for you may vary based on your specific circumstances and needs.

For instance, if you own an older home, State Farm provides competitive rates at $1,592 annually, along with comprehensive coverage. On the other hand, if you have a newly constructed home, State Farm offers the most cost-effective solution at $1,130 per year.

For individuals with a history of filing claims, USAA is an affordable and accommodating option at $1,678 per year. Additionally, if you have a significant amount of personal property requiring protection, Allstate is the preferred choice, offering extensive coverage at a reasonable rate of $1,374 per year.

At Insuranceopedia, our comprehensive analysis aims to help you find the ideal home insurance coverage. By comparing customer ratings, assessing personal experiences, and providing comparison charts, we strive to give you all the necessary information to make a well-informed decision.

How much is homeowners insurance in Fresno CA?

Allstate provides the most budget-friendly homeowners insurance rate in Fresno, with an annual cost of $1,302.

Below, you can see that the rates in Fresno are slightly higher than the national average. However, the rates are lower than the state of California average.

Area Average Monthly Rate
National $1,820
California $2,008
Fresno $1,859

It’s important to understand that insurance rates are not static; they can vary significantly based on several factors.

For example, your driving history is crucial; having a record of traffic violations or accidents generally leads to higher premiums compared to having a clean record. The type and model of your vehicle also play a role, with insurance for high-performance or luxury cars typically costing more.

Your location can also affect your rates. Urban areas with higher population densities often have higher premiums due to increased risks such as theft or accidents. Additionally, factors like age and marital status can influence your car insurance costs.

Cheapest Homeowners Insurance in Fresno, CA, 2024

Cheapest Homeowners Insurance, Fresno, 2024

Our Methodology

To find the most affordable home insurance rates in Fresno, we gathered data from various home insurance review websites. Some of these sources analyzed rates obtained from public filings via Quadrant Information Services. For this review, we averaged those rates, but it's important to note that each company's rates can fluctuate regularly and depend on individual circumstances. Additionally, the overall rating reflects my subjective opinion, based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest homeowners insurance in Fresno, CA

Allstate stands out as the most affordable choice for homeowners insurance in Fresno, California, offering an average annual rate of $1,302.

Company Annual Premium
Allstate $1,302
Universal North America $1,368
State Farm $1,625
Nationwide $1,765
Chubb $2,630

The cost of your insurance policy is affected by various factors such as your location, the value of your home, and your claims history. Allstate provides a well-rounded combination of affordability and comprehensive coverage.

Cheapest Homeowners Insurance If You Have an Older Home

For owners of older homes, State Farm offers the most cost-effective option, with an average annual rate of $1,592

Insurance Company Average Annual Premium
State Farm $1,592
Farmers $1,645
AIG $1,948
Chubb $2,280

Historic houses often come with specific issues and maintenance needs that can lead to higher insurance costs. However, State Farm offers affordable rates and comprehensive protection tailored to meet the specific requirements of older homes.

Cheapest Homeowners Insurance for Newly Constructed Homes

For homeowners who take pride in their newly built houses, State Farm stands out as the most cost-effective choice, providing an average yearly rate of $1,130.

Insurance Company Average Annual Premium
State Farm $1,130
Allstate $1,189
Nationwide $1,328
USAA $1,356
Chubb $2,340

Newly constructed homes often require specialized coverage compared to older properties, and State Farm is known for its ability to offer affordable policies tailored to meet these unique needs.

Cheapest Home Insurance for a History of Claims

Homeowners with a history of claims can find a budget-friendly option with USAA, offering an average yearly rate of $1,678.

Insurance Company Average Annual Premium
USAA $1,678
Mercury $2,136
Nationwide $2,875
Travelers $3,565
Chubb $4,202

Having a history of claims can lead insurers to increase premiums due to perceived risk. However, USAA believes in providing second chances and offers fair rates for individuals with previous claims.

Cheapest Home Insurance Rates for Lots of Personal Property

If you have a significant amount of personal property, Allstate offers the most affordable option, with an average yearly rate of $1,374.

Insurance Company Average Annual Premium
Allstate $1,374
Universal North America $1,569
State Farm $1,678
Nationwide $2,172
Chubb $3,382

As your personal property holdings increase, your coverage needs also grow, which can lead to higher premiums. However, Allstate addresses this by offering comprehensive coverage at reasonable rates, ensuring that all your possessions are adequately protected.

Best Homeowners Insurance Companies in Fresno, CA

Choosing the right homeowners insurance is not just a necessity; it’s a decision that requires careful consideration. Fresno features a diverse range of properties, reflecting the diversity of its residents. Therefore, finding an insurer that offers comprehensive coverage at competitive prices is essential.

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Fresno, California. Our evaluation takes into account factors such as annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Explore our comparison chart below to find the perfect fit for your home insurance needs.

Company Annual Premium
1. Allstate $1,302
2. Universal North America $1,368
3. AAA $1,498
4. State Farm $1,625
5. Nationwide $1,765
6. Chubb $2,630
7. AIG $2,546
8. Farmers $3,160

Average Home Insurance Rates by Zip Codes

Home insurance costs in Fresno, CA can vary widely depending on the zip code. Below, you’ll find tables showing rates for different zip codes in Fresno, along with details about the least and most expensive zip codes for annual home insurance premiums in the area.

ZIP Code Average Insurance Premium (Annual)
93710 $918
93720 $923
93725 $1,017
93701 $1,001

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
93710 $918
93720 $923
93741 $916

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
93725 $1,017
93701 $1,001
93706 $1,010

Average Home Insurance Rates in Fresno, CA by Deductible Amount

The deductible amount you choose for a homeowners insurance policy significantly affects the premium rates in Fresno, CA. Here’s how the average home insurance rates vary for different deductible amounts:

Deductible Amount Annual Rate
$500 $950
$1,000 $845
$1,500 $790
$2,000 $713
$5,000 $562

Average Home Insurance Rates in Fresno, CA By Coverage Amount

A key factor that impacts your premium is the dwelling coverage amount, representing the maximum your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

Let’s take a look at a comparison chart showing the average annual premiums for homeowners insurance based on different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $675
$250,000 $756
$300,000 $840
$350,000 $983
$400,000 $1,272

Average Home Insurance Rates in Fresno, CA by Company

Here is a table comparing the annual premiums from some of the leading insurance companies in Fresno.

Company Annual Premium
Allstate $1,302
Universal North America $1,368
AAA $1,498
State Farm $1,625
Nationwide $1,765
Chubb $2,630
AIG $2,546
Farmers $3,160

How Much is Homeowners Insurance for Other Cities in California?

Here is a comprehensive comparison chart displaying the most affordable companies and their yearly premiums across various cities in California.

City Annual Premium
Oakland $2,302
Berkley $1,830
Fremont $1,865
Irvine $1,992
Los Angeles $1,852

Getting Online Homeowners Insurance Quotes in California

Platforms like Insuranceopedia provide convenient access to finding the perfect coverage tailored to your specific needs with just a few clicks. By offering quick online quotes from reliable insurers, Insuranceopedia allows you to easily compare rates.

Simply enter your information, and we’ll take care of the rest, presenting you with a range of options customized to your preferences. This gives you the confidence to choose a policy that offers the best value, balancing cost and comprehensive coverage.

FAQs

Who has the cheapest home insurance in Fresno, CA?

In Fresno, California, Allstate offers the most affordable home insurance option, with an annual premium of $1,302.

What is the average cost of home insurance in Fresno, CA?

On average, homeowners insurance in Fresno, California, costs around $1,859 per year.

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