Fresno Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in Fresno


Home insurance should be a critical consideration for every homeowner. Homeowners insurance provides coverage against fire, wind damage, and theft for your home and the contents inside it. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a house, purchasing a robust homeowners policy can seem like a smart move.

The price of a homeowners insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Learn more about what a home insurance policy covers.

Finding affordable home insurance in Fresno starts with shopping around and comparing policies. Check out the below summary of average homeowners insurance premiums in Fresno to begin your homeowners insurance search with as much information as possible. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.


Fresno, California, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Fresno by insurance company

What you pay for homeowners insurance in Fresno will depend on the insurance company you get your policy through. The most inexpensive home insurance in Fresno comes from Mercury, which offers average annual rates of just $534 per year. This is more favorable than the city’s average homeowners premium of $956.

Have a look at the cheapest insurance companies in Fresno, California to find the best homeowners policy for your needs.


CHEAP HOMEOWNERS INSURANCE COMPANIES IN FRESNO
CompanyAverage Annual Rate
Mercury$534
Allstate$672
AmTrust NGH$724
State Farm$808
USAA$824

Average homeowners insurance costs in Fresno by coverage level

Your chosen level of homeowners coverage determines the insurance premiums you pay . In Fresno, carrying $200K dwelling coverage costs an average of $665, while carrying additional coverage up to $400K costs $1,202/year.


HOMEOWNERS INSURANCE RATES IN FRESNO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$665
$400K Dwelling$1,202

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Fresno home insurance prices by ZIP code

Homeowners insurance premiums can vary depending on what part of Fresno in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, the neighborhood you live in can dramatically impact your home insurance premium.

The cheapest home insurance rates in Fresno are available in 93710. In 93710, the typical home insurance policy costs $908 per year — $48 less than the citywide average in Fresno. If you’re looking for the areas with the most affordable homeowners insurance rates in Fresno, have a look at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN FRESNO
ZIP CodeAverage Annual Home Insurance Rate
93710$908
93720$913
93741$915

Some parts of Fresno, however, have home insurance premiums that are higher on average. Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. The most expensive ZIP code for homeowners insurance in Fresno is 93706, where the average annual rate is $1,007.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN FRESNO
ZIP CodeAverage Annual Home Insurance Rate
93706$1,007
93725$1,003
93701$997



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Money-saving tip for home and auto insurance in Fresno: bundling

One way to save on insurance costs is to consider bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in Fresno leads to average annual savings of 12%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN FRESNO
CompanyAvg. Annual Auto Insurance Rate (Bundle)
Mercury$1,160
GEICO$1,191
Allstate$1,722
Farmers$1,723
State Farm$1,806

Bundling your homeowners and auto policies can be a great way to save some money on insurance. To speak with an insurance expert, reach out to us at 855-493-9728 today.


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