Learn more about home insurance in Fresno.
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Home insurance should be a critical consideration for every homeowner. Along with your personal property, home insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, a homeowners insurance policy is a solid investment.
What you pay for homeowners insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more about what is covered by a homeowners insurance policy.
If you want to find cheaper home insurance in Fresno, start by looking around and comparing what different companies offer. Check out the below summary of average home insurance premiums in Fresno to help you get as much information as possible when you start your search for homeowners insurance. Remember: your insurance premiums may vary based on your coverage limits and other factors.
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 home insurance premium of $956.
Begin your search for a home insurance policy by reviewing the cheapest companies in Fresno, California, listed below.
| Company | Average Annual Rate |
| Mercury | $534 |
| Allstate | $672 |
| AmTrust NGH | $724 |
| State Farm | $808 |
| USAA | $824 |
Your chosen level of homeowners coverage determines the insurance premiums you pay. In Fresno, carrying $200K dwelling coverage costs an average of $665 each year, while carrying additional coverage up to $400K costs $1,269 per year.
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $396 |
| $200K Dwelling | $665 |
| $250K Dwelling | $835 |
| $400K Dwelling | $1,269 |
Depending on the part of Fresno you live in, you could see vastly different home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.
If you're looking for the most affordable home insurance premiums in Fresno, take a look at the 93710 ZIP code. In the 93710 neighborhood, homeowners policies typically cost just $908 a year — a full $48 less than the overall average for Fresno. The below table shows the best places to live in Fresno if you’re looking for affordable insurance.
| ZIP Code | Average Annual Home Insurance Rate |
| 93710 | $908 |
| 93720 | $913 |
| 93741 | $915 |
Other areas of Fresno, it should be noted, face homeowners rates that surpass the city 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. With an annual average premium of $1,007, 93706 is the costliest ZIP code in Fresno for homeowners insurance.
| ZIP Code | Average Annual Home Insurance Rate |
| 93706 | $1,007 |
| 93725 | $1,003 |
| 93701 | $997 |
One of the multiple decisions available when looking at homeowners insurance policies is the amount of your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. The deductible that you decide on can have a big impact on home insurance rates.
In short, a higher deductible translates to cheaper insurance premiums. Therefore, if you are aiming for lower home insurance rates, you'll need to keep your deductible higher. It's worth noting that your deductible should only be as high as you can reasonably pay in the event of a loss.
The following table illustrates the typical premiums affiliated with deductibles offered by most home insurers.
| Deductible Level | Average Annual Homeowners Insurance Rate |
| $500 | $937 |
| $1,000 | $835 |
| $1,500 | $785 |
| $2,000 | $710 |
| $5,000 | $595 |
One way to save on insurance costs is to think about bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Fresno can result in average annual savings of 12%.
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| Mercury | $1,160 |
| GEICO | $1,191 |
| Allstate | $1,722 |
| Farmers | $1,723 |
| State Farm | $1,806 |
It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.
