Updated: November 29, 2024
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In Fresno, California, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is the best. These companies cater to different needs, so choose based on what matters to you.
Factors like price, deductibles and coverage can help you find the best cheap home insurance for your needs.
Best HomeInsuranceFresno, CATable of Contents
Why Trust MoneyGeek?
We used data and rates from the California Department of Insurance and Quadrant Information Services to select the top homeowners insurance options in Fresno.
Home insurance premiums in Fresno represent the latest available quotes as of September 2024.
MoneyGeek found that Allstate is the best option in Fresno, California, for $100,000 dwelling coverage, with a MoneyGeek score of 83 out of 100.
The scores for home insurance companies in Fresno, California, range from 44 to 83. These figures reflect MoneyGeek's scoring system, and insurers may receive different scores based on credit history and the age of your home.
| Allstate | 83 | $342 |
| Travelers | 79 | $478 |
| Chubb | 71 | $679 |
| State Farm | 68 | $637 |
| Farmers | 66 | $568 |
| Nationwide | 54 | $789 |
| Capital Insurance Group | 44 | $658 |
MoneyGeek found that Allstate is the best home insurance option in Fresno, California, for 100K dwelling coverage. The two best overall home insurance companies in Fresno for $100K dwelling coverage are:
Allstate is the best home insurance provider due to its affordability and solid customer satisfaction score, which contribute to its high MoneyGeek score.
Various companies offer different cost and service levels in Fresno, California. Although cost is important, customer service, available coverages and claims handling also matter when making claims.
Allstate is the best overall company, with high scores in affordability and customer satisfaction. It offers comprehensive home insurance coverage, including cyber event/ID theft and back-up of sewer or drain. You can save with discounts like responsible payment and early payment. Paying on time can help you qualify for these savings.
Allstate's cyber event/ID theft coverage helps if your identity is stolen. Back-up of sewer or drain coverage protects against water damage from broken pumps. These coverages add value to your home insurance policy.
MoneyGeek found that Chubb offers the best customer service in Fresno, California, for home insurance with 100K dwelling coverage. Chubb leads the market and secures the top spot with a remarkable MoneyGeek score. Below are the top two providers for this specific coverage:
Chubb stands out because of its exceptional customer satisfaction and coverage options, helping it achieve the top MoneyGeek score. Choosing Chubb means you'll get reliable service and comprehensive coverage for your home.
Excellent service in home insurance means quick response times, helpful service representatives and clear policy terms.
Chubb has a high MoneyGeek score, thanks to its satisfaction and coverage ratings. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. You can save with discounts like protective device and new home.
Chubb's coverages provide strong protection for your home. Guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law covers updates to meet current codes. Cash settlement lets you choose not to rebuild after a total loss.
MoneyGeek found that Allstate is the best cheap home insurance provider in Fresno, California. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in California, Allstate is a great option for cheap coverage, with its high scores in affordability and customer satisfaction. However, choosing cheap home insurance usually means less coverage, which might keep costs low but could be risky if something happens. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
Allstate's best cheap home insurance focuses on value and quality, not just the lowest price.
Allstate is the best cheap company, with high MoneyGeek scores in affordability and satisfaction. It offers comprehensive coverage with cyber event/ID theft and back-up of sewer drain. You can save with discounts like responsible payment for good payment history and continuously insured for switching to Allstate.
Allstate's cyber event/ID theft coverage helps if your identity is stolen, and back-up of sewer drain covers water damage from drains. These coverages are valuable for protecting your home and belongings.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
In Fresno, many factors, like location, affect homeowners insurance. Comparing insurance rates is the best way to save money, but it can take a lot of time — over an hour for at least three companies. To save time, use MoneyGeek’s home insurance calculator. Enter details like age, dwelling coverage and credit score for a quick rate estimate.
MoneyGeek found that Allstate is the best option in Fresno, California, for home insurance. One key factor in determining home insurance costs is the dwelling coverage chosen.
Allstate is the cheapest homeowners insurance in Fresno, California, offering both affordable premiums and the highest score.
Buying the cheapest homeowners insurance in California can ease your finances.
| Allstate | $342 |
| Travelers | $478 |
| Farmers | $568 |
| State Farm | $637 |
| Capital Insurance Group | $658 |
| Chubb | $679 |
| Nationwide | $789 |
Allstate is the best option in Fresno, California, for high-value home insurance. High dwelling coverage is required to replace homes that are costly to rebuild, which affects home insurance costs.
Allstate is the most affordable in Fresno, California, offering competitive rates for high-value homes. According to MoneyGeek, although it’s the cheapest, its score might not be the highest, implying a mixed overall rating.
| Allstate | $1,714 |
| Travelers | $2,305 |
| Capital Insurance Group | $2,758 |
| State Farm | $3,105 |
| Chubb | $3,928 |
| Nationwide | $4,030 |
| Farmers | $5,695 |
Allstate offers the cheapest home insurance for new homes in Fresno, California.
With its low annual price of $266, Allstate is the most affordable option in Fresno for new homeowners. However, it might not be the top choice based on a more comprehensive review. As you consider your choices, ensure you are adequately covered with your policy.
| Allstate | $266 |
| Travelers | $268 |
| Farmers | $269 |
| State Farm | $318 |
| Nationwide | $321 |
| Capital Insurance Group | $428 |
| Chubb | $550 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Fresno depends on your needs. Consider factors like coverage options, deductible amounts and customer reviews. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider the specifics of your home in Fresno, California. Evaluate rebuilding costs, personal property value and liability needs.
Research insurance companies serving Fresno, California. Look for those with strong financial stability, good customer reviews and a track record of quality service.
Once you know what coverages you need, compare home insurance quotes. For a dwelling coverage of $100K in Fresno, California, premiums can vary from as low as $342 to as high as $789 annually.
Inquire with each provider about discounts you may qualify for, such as those for bundling policies, installing safety features or having a claims-free history.
Opting for a higher home insurance deductible can reduce your premium, but make sure it's an amount you can afford to pay if you need to make a claim.
Installing security systems and sturdy locks can reduce your home's risk profile and potentially lower insurance costs.
Keep a good credit score, as it can affect your insurance rates in Fresno, California. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies, such as auto insurance. This can lead to significant discounts and savings.
Finding the best cheap home insurance provider in Fresno depends on your coverage needs and budget. Get answers to common questions about insurance rates in Fresno, California, to make an informed choice.
The average cost of home insurance in Fresno, California, is $468 annually.
The cheapest home insurance company in Fresno, California, is Allstate, offering an annual premium of $342.
The best home insurance in California for Fresno residents is provided by Allstate, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
