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Best cheap home insurance in Fresno in 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best home insurance companies in Fresno
Home insurance in California has become increasingly hard to come by, with some of the state’s largest insurance companies pausing or heavily limiting new policies. Fresno homeowners may have an especially difficult time securing coverage, considering Fresno County’s relatively high risk for wildfire damage. According to First Street, more than 50 percent of Fresno's homes are at risk of wildfire over the next 30 years.
Such threats make having solid home insurance coverage in place all the more important. To help, Bankrate’s insurance editorial team took a deep dive into the insurance landscape here. We looked at average rates from Quadrant Information Services, customer service scores from J.D. Power, coverage availability, financial strength, discount options and other metrics. Based on our research, MAPFRE, Encompass and Mercury offer some of the best Fresno home insurance.
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Not rated
Why MAPFRE made our list: MAPFRE writes home insurance in a handful of states — California among them. It is rated A (Excellent) by AM Best, which may not be as high as some of the national carriers, but still signals a strong historical ability to pay out claims. Home policies are pretty customizable; with MAPFRE, homeowners can add endorsements like water backup, replacement cost coverage, credit card coverage and other choices.
Why MAPFRE may be best for local agents: MAPFRE’s online capabilities are a little lacking, so it may be better suited to homeowners who prefer to work with an agent in person. MAPFRE agents are available throughout Fresno to help you build the policy that best meets your needs.
| Bankrate Score | 4.1 |
| J.D. Power | |
| AM Best Rating | A |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Not rated
Why Encompass made our list: Encompass is a subsidiary of Allstate, but the two operate as separate companies. Although Allstate paused writing new home insurance policies in California, it appears that Encompass is still active in the state. Encompass operates through a network of independent agents and is rated A+ (Superior) by AM Best.
Why Encompass may be best for pre-packaged coverage options: The EncompassOne insurance policy is available in three tiers — Special, Deluxe and Elite — and combines home insurance with auto and valuables coverage. This could make Encompass a strong contender for homeowners (and drivers) looking to take the guesswork out of building their perfect insurance policy.
| Bankrate Score | 4 |
| J.D. Power | |
| AM Best Rating | A+ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why Mercury made our list: Mercury is a smaller insurance company that writes home insurance policies in 10 states, including California. In addition to standard coverage, it offers extended dwelling replacement cost coverage for up to 150 percent if there is a cost overrun when you are rebuilding following an approved claim. It also has identity theft protection and valuable items insurance. The handful of available discounts include multi-policy, protective devices, fire-resistant construction materials and newer homes. Having said that, the company ranked toward the bottom of J.D. Power’s 2024 U.S. Home Insurance Study, and scores were mixed in the 2024 U.S. Insurance Digital Experience Study, where Mercury ranked above average in the shopping category but below average for service.
Why Mercury may be the best for homeowners on the FAIR Plan: Mercury is one of the insurance companies recognized by the California Department of Insurance for selling Difference in Conditions (DIC) policies. The coverage available from the California FAIR Plan is pretty limited, and a DIC policy is intended to fill in those coverage gaps. A DIC from Mercury could be a good choice for Fresno homeowners on the FAIR Plan looking to bolster their coverage.
| Bankrate Score | 3.6 |
| J.D. Power | 586/1,000 |
| AM Best Rating | A |
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest home insurance companies in Fresno
Some homeowners may need to consider their budget first when shopping for insurance. Bankrate’s insurance editorial team found the cheapest home insurance companies in Fresno, California, for different dwelling coverage limits. The dwelling limit you require can play a large role in the cost of your policy, so the cheapest provider for a $300K limit may not be the same as the one for a $750K policy.
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|---|---|---|
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$68
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$811
|
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$74
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$884
|
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Armed Forces
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$81
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$973
|
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$116
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$1,398
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|---|---|---|
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$81
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$971
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$84
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$1,013
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|
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Armed Forces
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$104
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$1,250
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$140
|
$1,686
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|
|---|---|---|
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$123
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$1,481
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$132
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$1,589
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Armed Forces
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$178
|
$2,134
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$230
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$2,762
|
Compare home insurance rates
Answer a few questions to see personalized rates from top carriers.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is home insurance in Fresno, California?
The average cost of home insurance in Fresno, California is $1,584 per year for a $300K dwelling limit policy. This is 5 percent less than the California average of $1,674.
Both of these averages are below the national average cost of home insurance, which is $2,329 per year. This may seem odd, considering California’s exceptionally high wildfire risk, but California’s current insurance regulations prevent insurance companies from raising rates to a level that accurately reflects the risk of insurance on a home in the state. This leaves home insurance rates stuck at a deceptively low level and is a major contributor to the ongoing California home insurance crisis.
Fresno rates by home age
In most cases, older homes are more expensive to insure. That is because if an older home needs a full rebuild after a covered loss, it could cost the insurer more money to bring the home up to current building codes. Plus, older homes are more likely to be built with more expensive, hard-to-source materials than a new build. But, that does not guarantee you will get the cheapest rates with a new build. Below, we’ve pulled different rates from the cheapest home insurance companies in Fresno for five different home construction years.
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|---|---|---|---|---|---|
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$1,148
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$1,175
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$1,154
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$953
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$616
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$1,042
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$1,052
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$1,012
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$900
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$765
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Armed Forces
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$1,146
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$1,215
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$1,240
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$1,125
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$673
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|
Aegis Security
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$1,773
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$1,697
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$1,743
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$1,437
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$1,108
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$1,599
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$1,606
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$1,623
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$1,532
|
$1,070
|
Fresno rates by deductible amount
Your deductible is the amount you are responsible for paying out of pocket after a covered loss. Your insurance kicks in to cover the rest up to your policy limit. So, for example, if your home sustains $10,000 worth of damage in a fire and you have a $1,000 deductible, you would pay $1K worth of damage and your insurer should cover the remaining $9,000 (assuming the claim is approved). You choose your deductible when you purchase the policy, but you can change it if you wish.
Increasing your deductible is likely to lower your premium, since you are agreeing to pay more in the event of a claim. Be careful to avoid raising your deductible to a level that would be difficult for you to pay on short-term notice, however. The table below includes average rates for $300,000 of dwelling coverage from Fresno's cheapest insurers with a range of deductibles.
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|---|---|---|---|
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$697
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$609
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$511
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$751
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$751
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$658
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Armed Forces
|
$842
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$727
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$660
|
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Aegis Security
|
$1,134
|
$1,110
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$968
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|
$1,162
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$1,068
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$839
|
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
