Renters Insurance in Fresno, CA

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renters insurance in Fresno, California

Renters insurance is critical if you're renting a house or an apartment. It insures your rental dwelling — and any personal property within it — against a variety of perils, such as vandalism, wind damage, theft, or fire. As these circumstances are fairly common, the affordability of rental coverage, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.

Renters insurance costs are dictated by many factors, including the age of your dwelling, the materials of which it’s made, your apartment’s geographic location, and the pricing strategies of your renters insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the extra risk.

The average annual cost of renters insurance in Fresno is $230.

Finding affordable renters insurance in Fresno starts with comparing policies. Consult our breakdown of average Fresno renters insurance premiums to begin your search with as much background info as possible. Remember: rates will vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Fresno

Insurance premiums in Fresno vary based on the insurance company. For instance, USAA offers the cheapest renters insurance in Fresno, at just $101 per year. That's less expensive than the city's average cost of $230, providing a $129 discount on the city's normal rates.

Begin your search for a renters insurance policy by reviewing the cheapest companies in Fresno.

CompanyAverage Annual Rate in Fresno
State Farm$147
Fire Insurance Exchange$149
California Automobile$155

Fresno renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on your coverage levels. Common renters insurance coverage tiers are $25,000 and $50,000 property coverage. In Fresno, the annual cost differential between these levels is about $100. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Rate in Fresno
$25K Property$180
$50K Property$280

Tip: bundle your auto and renters insurance policies in Fresno

If you’re looking to save, consider carrying your renters and auto policies under the same insurance company. Bundling renters and car insurance in Fresno can result in substantial savings. In fact, bundling renters and auto insurance leads to average savings of 3.5% on car insurance rates. The auto insurer offering the most affordable rate with a renters bundle is GEICO, followed by Mercury and Allstate.

Annual Bundle SavingsBundle Savings %

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