Home Insurance in Fresno, California: A Detailed Breakdown
Fresno, located in California’s Central Valley, is known for its agricultural prominence and affordability. Here’s what you need to know about home insurance in Fresno.
National vs. Fresno Home Insurance Costs
The national average for home insurance is $1,400 per year, while Fresno homeowners pay around $1,300 per year, which is lower than the national average due to the lower risk of natural disasters.
Home Insurance Rates by Home Age in Fresno
Home Age
Average Annual Premium
0-10 years
$1,250
10-20 years
$1,300
20-30 years
$1,350
30+ years
$1,400
Home Insurance Rates by Credit Tier in Fresno
Excellent Credit (750+): $1,250/year
Good Credit (700-749): $1,300/year
Fair Credit (650-699): $1,400/year
Poor Credit (Below 650): $1,550/year
Cheapest Home Insurance Providers in Fresno
Here are the cheapest home insurance providers in Fresno:
State Farm: $1,300/year
Allstate: $1,320/year
Farmers Insurance: $1,340/year
Liberty Mutual: $1,360/year
Progressive: $1,380/year
Home Insurance Rates by Deductible in Fresno
$500 Deductible: $1,400/year
$1,000 Deductible: $1,300/year
$2,000 Deductible: $1,200/year
$5,000 Deductible: $1,100/year
Types of Homeowners Insurance in Fresno
HO-3 (Special Form): Offers broad protection for your home and personal property.
HO-4 (Renters Insurance): Protects renters’ personal belongings.
HO-5 (Comprehensive Form): Ideal for high-value homes, offering extended coverage.
HO-6 (Condo Insurance): Specifically for condo owners.
Flood Insurance: Important for homes near rivers or in flood-prone areas.
Comparing Fresno to Other California Cities
Los Angeles: Los Angeles has higher premiums at $1,600/year due to the higher risk of wildfires and earthquakes.
San Diego: San Diego homeowners pay about $1,400/year, making it slightly more expensive than Fresno.
San Jose: San Jose homeowners pay around $1,550/year, reflecting the higher earthquake risk.
