How much is homeowners insurance in Fresno,OH

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Fresno is $2,105 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $477 less than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Fresno depend on several factors, including:

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

Auto-Owners is the cheapest homeowners insurance company in Fresno with an average annual premium of $2,105 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Fresno. Keep reading to learn about the monthly cost of homeowners insurance in Fresno, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Fresno.

Key takeaways

The average cost of homeowners insurance in Fresno is $2,105 per year.
Auto-Owners is the cheapest homeowners insurance company in Fresno with an average annual premium of $1,443.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $435 more a year for home insurance.

How much is homeowners insurance in Fresno per month

According to Insure.com’s rate analysis, residents of Fresno pay an average of $175 per month for homeowners insurance. This is $4 less than the state average of $179 and $40 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Fresno can vary depending on your location, property value, and selected coverage options.

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

In Fresno, OH, homeowners pay an average of $1,670 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

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

As per rate analysis by Insure.com, homeowners residing in Fresno typically pay an average of $2,105 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 $435 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 Fresno by company

Among the carriers analyzed, Auto-Owners is the cheapest homeowners insurance company in Fresno. It’s average annual rate for Fresno homeowners is $1,443. Allstate ranks second and Erie Insurance makes it to the third spot with an average annual home insurance rate of $1,591.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Fresno and prepared a list of the cheapest home insurance providers. You can find below the Fresno home insurance companies and their average annual premium.

Home insurance company	Annual rate
Auto-Owners	$1,443
Allstate	$1,506
Erie Insurance	$1,591
American Family	$1,645
State Farm	$1,715
Nationwide	$1,967
Grange Mutual	$2,120
Farmers	$2,199
Travelers	$6,998
USAA*	$1,523

Methodology

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