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 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.

Key takeaways

In Clovis, homeowners insurance costs $1,238 annually.
Allstate offers the most affordable homeowners insurance in Clovis with an average annual premium of $750.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $320 higher.

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 the state average of $116 and $112 less 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

In Clovis, CA, homeowners pay an average of $918 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 Clovis

According to a rate analysis by Insure.com, homeowners in Clovis pay an average of $1,238 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $320 more a year for home insurance. It would be best to buy enough insurance to cover the full 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

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Clovis. It’s average annual rate for homeowners in Clovis is $750.

Travelers, ranks second and CSAA Insurance (AAA) makes it to the third spot with an average annual home insurance rate of $1,105.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Clovis and compiled a list of the most affordable home insurance companies.

Below are details of Clovis home insurance companies and their average annual premiums.

Home insurance company	Annual rate
Allstate	$750
Travelers	$955
CSAA Insurance (AAA)	$1,105
State Farm	$1,261
Auto Club Enterprises (AAA)	$1,331
Mercury Insurance	$1,356
Nationwide	$1,379
Farmers	$1,523
USAA*	$1,048

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Clovis 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.