Find Affordable Homeowners Insurance

Clovis CA Home Insurance Rates

There are 49 California insurance agencies in Clovis, CA. Each company offers home insurance quotes at different rates. It could be as cheap as $386/mo with $2,069 being the highest annual home insurance cost. Though it comes down to an average home insurance cost of $988.54.

To help you find the best deals, we studied homeowners insurance costs and providers in California. We then ranked companies based on who has it cheapest.

The Top Homeowners Insurance Companies in Clovis, CA

Allstate and Integon/National have the most affordable homeowners insurance on $300,000 coverage. Both companies charge about $550 in annual home insurance cost for a 7-15 yr or 26-40 yr home.

If you decide to go with $400,000 home insurance coverage, CSAA Ins Exch offers it cheapest at $711 per year for a 7-15 yr home. Whereas if you have a new house, you can get the same $400,000 home coverage from Pacific Property & Casualty for only $386/year.

The 10 best homeowners insurance rates based on company average are:

  1. Allstate ($569.75)
  2. CSAA Ins Exch ($588)
  3. Integon/National ($591.50)
  4. Mercury Ins Group ($644.75)
  5. ASI Select Ins Corp ($677.75)
  6. Tokio Marine America ($694)
  7. California Capital ($719.25)
  8. First American Specialty ($742.75)
  9. Pacific Property & Casualty ($774.75)
  10. Universal North America ($789.50)
CompanyAnnual rate for a new house & 400k coverageAnnual rate for 7-15 yr house & 400k coverageAnnual rate for 7-15 yr house & 300k coverageAnnual rate for 26-40 yr house & 300k coverageCompany Average
Average$794.51$1204.43$945.27$1009.94Clovis Average:
$988.54
Allstate$445$736$549$549$569.75
CSAA Ins Exch$420$711$601$620$588
Integon/National$534$730$551$551$591.5
Mercury Ins Group$409$834$654$682$644.75
ASI Select Ins Corp$476$824$656$755$677.75
Tokio Marine America$654$844$639$639$694
California Capital$579$881$701$716$719.25
First American Specialty$596$973$701$701$742.75
Pacific Property And Casualty$386$1,015$767$931$774.75
Universal North America$494$949$760$955$789.5
Kemper$636$975$789$804$801
Travelers$649$1,018$805$760$808
Pacific Specialty$679$1,075$819$738$827.75
Horace Mann$713$951$810$859$833.25
Wawanesa$647$1,075$823$838$845.75
State Farm$560$1,100$840$910$852.5
Stillwater Ins Co$578$1,128$877$871$863.5
American Reliable$816$980$769$938$875.75
CSE Safeguard$549$1,048$937$978$878
QBE$749$992$796$983$880
MAPFRE Group$665$1,143$851$891$887.5
Western Mutual/Residence$757$1,013$785$1,057$903
Grange$787$1,123$882$882$918.5
California Casualty$584$1,153$970$1,010$929.25
Stillwater Prop & Cas Co$610$1,213$943$953$929.75
Safeco$816$1,164$897$897$943.5
Horace Mann P & C$817$1,089$924$979$952.25
Aegis Security$855$1,136$853$1,033$969.25
Encompass$887$1,238$949$949$1005.75
Homesite$914$1,194$935$988$1007.75
AAA (Interinsurance Exchange)$607$1,359$1,030$1,039$1008.75
Metropolitan Direct$825$1,249$960$1,007$1010.25
USAA$941$1,234$962$1,005$1035.5
Hartford (Sentinel)$842$1,246$1,037$1,218$1085.75
IDS Property Casualty$888$1,359$1,005$1,157$1102.25
Amco$730$1,480$1,150$1,199$1139.75
Cincinnati Ins Co$1,071$1,364$1,043$1,094$1,143
Nationwide$732$1,484$1,153$1,203$1143
American Modern$1,219$1,328$967$1,066$1145
Amica Mutual$1,053$1,457$1,130$1,130$1,192.5
General Ins$800$1,529$1,223$1,301$1213.25
Liberty Ins Corp$816$1,460$1,179$1,502$1239.25
American Security$1,060$1,515$1,138$1,381$1,273.5
Foremost Insurance$1,384$1,522$1,081$1,193$1,295
AIG Prop Cas$1,274$1,612$1,229$1,288$1,350.75
Farmers (Fire Ins)$1,034$1,726$1,404$1,403$1,391.75
Chubb/Federal$1,357$1,680$1,342$1,342$1,430.25
Privilege Underwriters Exch$1,490$2,069$1,552$1,552$1,665.75
Bankers Standard$1,547$2,039$1,900$1,990$1,869

You can get the lowest home insurance annual cost for a new house with $400,000 at:

  1. Pacific Property & Casualty ($386)
  2. Mercury Ins Group ($409)
  3. CSAA Ins Exch ($420)
  4. Allstate ($445)
  5. ASI Select Ins Corp ($476)

But if you have a 7-15 yr home, the cheapest $400,000 home insurance coverage in Clovis are:

  1. CSAA Ins Exch ($711)
  2. Integon/National ($730)
  3. Allstate ($736)
  4. ASI Select Ins ($824)
  5. Mercury Ins Group ($834)

A $300,000 Clovis insurance for a 7-15 yr home is most affordable at:

  1. Allstate ($549)
  2. Integon/National ($551)
  3. CSAA Ins Exch ($601)
  4. Tokio Marine America ($639)
  5. Mercury Ins Group ($654)

The top homeowners insurance companies for a 26-40 yr home with a $300,000 home insurance policy are:

  1. Allstate ($549)
  2. Integon/National ($551)
  3. CSAA Ins Exch ($620)
  4. Tokio Marine America ($639)
  5. Mercury Ins Group ($682)

Why compare home insurance companies in Clovis, CA?

As mentioned earlier, Clovis home insurance is available at varying rates. The actual cost of your home insurance policy will depend on several factors. Your choice of CA insurance company can affect it. So it helps to compare home insurance rates from different companies.

What Does Homeowners Insurance Cover?

There’s no quick answer to this. But your home insurance coverage will depend on the policy you acquired. In total, there are 9 types of homeowners insurance. Some of these policies only apply to rental spaces and condominiums.

Below, you’ll learn about insurance policies available to homeowners.

1. HO-1 Policy – Basic Homeowners Insurance

An HO 1 insurance protects a home structure and property from certain perils. Most states no longer offer HO-1. The California insurance agencies that do (usually) pay for the replacement cost of damaged property.

2. HOA Policy – Basic Homeowners Insurance

It’s a downgraded version of the HO-1 policy. But instead of the replacement cost, an HOA policy pays for the current value of damaged property.

3. HO-2 Policy – Broad Form Homeowners Insurance

HO-2 insurance is a step-up to the HO 1. It protects against more perils, except for water damage and most appliances.

4. HO-3 Policy – Special Form Homeowners Insurance

It’s one of the most comprehensive types of property insurance with affordable rates. An HO-3 policy protects a home structure from almost all perils. With a few exceptions, of course. The only drawback of an HO3 is that your personal belongings won’t get the same level of protection.

5. HO-5 Policy – Premier Homeowners Insurance

Should I get an HO-3 vs HO-5? It’s a question that gets asked a lot.

If you want the best value for your money, you can’t go wrong with an HO-5 policy. It has everything that an HO-3 has. Only this time, it covers both your home and property – even appliances. An HO-5 insurance also pays for the replacement cost of damaged items.

6. HO-8 Policy – Older Houses Insurance

Most homeowners won’t need it, but an HO-8 policy is useful for homes that are “too old” for home insurance. It protects your home structure like an HO-3, and your personal belongings like an HO-1.

Living in Clovis, CA – What is it like?

Clovis evokes the image of a sleepy suburban. It certainly doesn’t have that ‘big city’ atmosphere. But there’s actually more than enough to keep you entertained; all 200+ restaurants to be exact. Even more surprising is the rate at which the city grew. From 2010 to 2017, the Clovis saw a 14.5% increase in population.

So why the massive growth? For starters, Clovis residents have an above-average income level of $68,682. That’s $1,513 more than the average Californian and $11,030 more than the average American. The cost of housing in Clovis is also cheaper than most of California, and have a median value of $284,200.

All in all, it’s one of the best places in California to settle down.

Disclaimer:

The home insurance costs on this web page were retrieved from the official website of California Insurance Department. Actual rates may vary from the displayed costs. Only use our website as a general guideline to compare home insurance rates. Statistics involving US cities and states were sourced from the United States Census Bureau website.

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