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.

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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

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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

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Cheapest Home Insurance Providers in Fresno

Here are the cheapest home insurance providers in Fresno:

1. State Farm: $1,300/year
2. Allstate: $1,320/year
3. Farmers Insurance: $1,340/year
4. Liberty Mutual: $1,360/year
5. Progressive: $1,380/year

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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

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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.

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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.