How much is homeowners insurance in Clovis, CA

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The average cost of homeowners insurance in Clovis is $1,238 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,344 less than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Clovis depend on a number of factors, including:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Clovis, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Clovis.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Clovis.

How much is homeowners insurance in Clovis per month

Residents of Clovis pay an average of $103 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $13 less than the state average of $116 and $112 less than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Clovis may change based on location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Clovis

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $918 per year in Clovis, CA. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurancecoverage.

How much is homeowners insurance for a $300,000 house in Clovis

As per rate analysis by Insure.com, homeowners residing in Clovis typically pay an average of $1,238 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $320 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Clovis by company

After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in Clovis. It’s average annual rate for homeowners in Clovis is $750, while Travelers holds the second position.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Clovis and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Clovis and their average annual premiums.

Common natural disasters in California that may affect home insurance

Natural disasters are unpredictable events that can cause significant damage to homes and property. Understanding these risks is important to ensure that your home insurance policy provides adequate protection in the event of a disaster.

Drought, Earthquake, Heat wave, Landslide and Wildfire are some of the common natural disasters in California that may influence your home insurance rates.

How home insurance protects you against natural disasters

Home insurance plays an important role in safeguarding your property and belongings from the financial burden caused by natural disasters. While standard policies usually cover damages from events like windstorms, hail and lightning, certain disasters, such as floods, earthquakes and wildfires, require additional coverage.

These types of damage are generally not included in a standard home insurance policy, so homeowners must purchase separate flood or earthquake insurance to be fully protected.

Home insurance can cover repair costs for structural damage, replace lost or damaged belongings and provide funds for temporary living arrangements if your home is rendered uninhabitable. This coverage offers financial support, helping homeowners recover more quickly from the impacts of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Clovis for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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