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2024

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Best Homeowners Insurance Agencies in Fresno, CA

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Fresno Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

284Reviewed

176Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2115 Kern Street, #100, Fresno, CA 93721
WebsiteLicense: 0504217

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Eaton & Eaton Insurance Brokers provides services to Fresno and the surrounding areas. It specializes in helping clients protect their families and properties by offering homeowners' insurance services. It also handles different types of home insurance products, including renters', condominiums, mobile homes, in-home businesses, scheduled property, and landlord insurance. Eaton & Eaton Insurance Brokers has been operating as an insurance brokerage since 1975. It carries insurance products from Zurich, Foremost Insurance, Fireman's Fund, and Berkshire Hathaway.

  • Renter's Insurance
  • Flood
  • Homeowners

4185 W Figarden Dr., Ste 101, Fresno, CA 93722
WebsiteLicense: 0H15013

Expertise.com Rating

Why choose this provider?

Jagdeep Singh Insurance Agency, Inc., provides financial security to individuals and families throughout the Fresno metro. The full-service company has been offering homeowners' insurance packages since 2004. Its coverage extends to properties and the policyholder's legal responsibility for injuries incurred by themselves, their families, or their pets to others. It focuses on customers by simplifying claims and safeguarding entrusted funds. It also aims to develop long-term relationships with its clients by providing flexible options through its insurance carriers.

  • Multiple Carriers

7543 N Ingram Ave Ste 101, Fresno, CA 93711

Expertise.com Rating

Review Sources

Google
4.4 (19)
Facebook
4.1 (18)

Why choose this provider?

Bill Joe Murphy Insurance Services Inc. is an independent insurance brokerage in Sonora, California. The company was founded in 1994 and serves residents throughout the Fresno area. Its homeowners insurance policies typically cover the home's structure, replacement costs, personal possessions, personal liability, and living expenses that are incurred during a covered disaster. Customers who wish to purchase additional coverage can add on supplemental policies, such as flood, earthquake, animal liability, or jewelry insurance.

  • Renter's Insurance
  • Condos
  • Earthquake

2452 W Tahoe Avenue, Caruthers, CA 93609
WebsiteLicense: 0605359

Expertise.com Rating

Review Sources

Google
4.4 (13)

Why choose this provider?

Established in 1988 by Avtar Gill, Gill Insurance Agencies caters to clients in Fresno. He was inspired by his experience as a farmer, persuading him to pursue his career as a crop insurance broker. Gill offers home, auto, farm, commercial, and workers' compensation insurance. His home insurance coverage includes homeowners', renters, and condos, protecting properties against terrible weather conditions, theft, and personal liability. To ensure that there are no misunderstandings and overlooked details, Gills recommends personal consultations with his clientele.

  • Renter's Insurance
  • Fire
  • Flood

5151 N. Palm Ave Suite 50, Fresno, CA 93704
WebsiteLicense: 0B80224

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Valley Wide Ag Insurance Services, Inc., serves individuals, families, and business owners in the Fresno metro. It offers homeowners' insurance to protect policyholders from financial losses caused by property damages and lost items. The company also handles business insurance, including commercial excess liability and property, BOP, workers' compensation, and errors and omissions insurance. In addition, its team crafts coverages for agricultural businesses. Ron LaBarbera, the agency's general manager, has been in the industry since 1993.

  • Homeowners

7257 N Maple Avenue #104, Fresno, CA 93720-0167
WebsiteLicense: 0M12751

Expertise.com Rating

Review Sources

Google
5.0 (51)
Yelp
5.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Jeff Singleton II is a licensed State Farm insurance agent who serves clients throughout the Fresno metro. He has been providing homeowners' and renters' insurance policies to both individuals and businesses since 2019. As someone who has experienced the effects of underinsurance, he aims to help clients manage their priorities when planning for expected and unexpected events. With credentials dating back to 2006, he currently handles a team that accommodates Spanish-speaking clients and finds ways to support the community.

  • Condos
  • Multiple Policy Types

2497 W Shaw Ave Suite 102, Fresno, CA 93711
WebsiteLicense: 0M83000

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
5.0 (4)

Why choose this provider?

ERC Valley Insurance Services is a firm that caters to clients in Fresno and the neighboring communities. It provides insurance plans that cover a private residence. The homeowners' policy combines various personal protection, including coverage for property losses, damaged contents, additional living expenses, and liability for accidents within the insured's custody. In addition, clients can purchase separate flood and earthquake damage coverage on top of their standard home policies. Premium plans for landlords and renters are also available.

  • Renter's Insurance

1110 J St, Reedley, CA 93654

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
4.3 (7)

Why choose this provider?

Mennonite Insurance Services is a full-service, independent insurance agency located in the Fresno, California, metro area that is also licensed in Arizona, Oregon, and Washington. Founded in 1922, the company represents many top insurance carriers to provide quality policies with competitive pricing for homeowners that cover the full replacement value of their residence and personal items following damage from a covered incident, such as fire or theft. Other options include rental, renter's, mobile home, condominium, and second dwelling insurance policies.

  • Renter's Insurance
  • Condos
  • Earthquake

4708 N Blackstone Ave, Fresno, CA 93726
WebsiteLicense: 0E75924

Expertise.com Rating

Why choose this provider?

Quick Buy Insurance Services is a privately owned and operated company serving the Fresno metro and the surrounding communities. It helps clients protect their investment and rental properties by providing them with homeowners' insurance. This type of insurance policy includes coverage for flood damage. The agency also offers recreational and commercial coverages, such as boat, RV, general liability, and workers' compensation insurance. Quick Buy Insurance Services brings over two decades of automobile insurance industry experience.

  • Renter's Insurance
  • Flood
  • Homeowners

2416 West Shaw Ave. Suite 111, Fresno, CA 93711
WebsiteLicense: 0E39054

Expertise.com Rating

Why choose this provider?

Valley Ag Insurance Agency Inc., serves clients in and around Fresno. It provides home insurance to cover expenses for property damage and personal injuries caused by natural or human-made disasters such as burglaries. The firm also offers life and health coverages, as well as business insurance, which covers both property and liability risks for small and medium-sized companies. Other products include workers' compensation insurance and bonds. The company, in business for more than three decades, also serves Washington, Idaho, and Arizona.

  • Personal Property Insurance

617 East Teal Circle, Fresno, CA 93730
WebsiteLicense: 6001711

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (10)
Yelp
5.0 (5)

Why choose this provider?

Gennock Insurance offers a wide selection of personal and business coverages for Fresno clients, including insurance for homeowners, renters, condos, autos, and RVs. It assists customers in looking for an insurance provider and a policy that meets their budgets and will cover damages in their homes and personal belongings, costs for temporary housing, and legal liabilities for injuries. Gennock Insurance agent Justin Gennock focuses on personal insurance and has been working in the industry since 2005.

  • Renter's Insurance
  • Homeowners
  • Landlords

6740 N. West, Suite 108, Fresno, CA 93711
WebsiteLicense: 0253862

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Dalena Denik & Associates provides homeowners' insurance to Fresno and the surrounding areas. This insurance helps clients protect their residential properties, families, and finances from the expenses of unexpected disasters and accidents in their homes. The company also specializes in offering health, personal and commercial car, workers' compensation, life, and crop insurance services. It represents Liberty Mutual, Blue Shield of California, Oregon Mutual Insurance, Travelers, and Allied Insurance. Dalena Denik & Associates has been operating since 1957.

  • Multiple Policy Types
  • Homeowners

2530 South Mooney Boulevard, Visalia, CA 93277

Expertise.com Rating

Why choose this provider?

Chavez Insurance Services is an independent agency that can access the home insurance policies of more than 100 insurers, enabling its agents to find a choice of policies that satisfy its clients' coverage needs. The agents can talk clients through their options, such as policies that only cover structural damage and others that can cover the loss of personal items and the costs of temporary relocation. Additionally, they can discuss medical expenses coverage, and liability.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

7078 N Maple Ave. Suite 106, Fresno, CA 93720
WebsiteLicense: 0B48015

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (8)
Yelp
3.5 (5)

Why choose this provider?

For over 35 years, McCarty Insurance has been providing homeowners' insurance policies to residents of Fresno and nearby communities. It is a family-owned agency that compares quotes from multiple insurance carriers, such as Allied, Zurich, and Liberty Mutual. Its agents help applicants file for both general and specialized coverage plans for repairs and reimbursements. They also process claims and billings to corresponding carriers online. McCarty Insurance's other policy options include coverage for automobiles, businesses, and renters.

  • Personal Property Insurance
  • Homeowners

612 E Shields Ave, Fresno, CA 93704
WebsiteLicense: 0E60503

Expertise.com Rating

Review Sources

Google
5.0 (128)
Yelp
5.0 (3)

Why choose this provider?

Nichole Castech has been working at State Farm for 17 years. She and her team serve individuals and families across Fresno and the surrounding areas. They help clients protect their assets by offering homeowners', condo unit owners', renters', and farm and ranch insurance solutions. They also provide life, health, auto, business, and pet insurance. Nichole is also a member of the Fresno Chamber of Commerce and has earned a master's degree in Leadership Studies from Fresno Pacific University.

  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Eaton & Eaton Insurance Brokers
2115 Kern Street, #100, Fresno, CA 93721
Jagdeep Singh Insurance Agency, Inc.
4185 W Figarden Dr., Ste 101, Fresno, CA 93722
Bill Joe Murphy Insurance Services, Inc.
7543 N Ingram Ave Ste 101, Fresno, CA 93711
Gill Insurance Agencies
2452 W Tahoe Avenue, Caruthers, CA 93609
Valley Wide Ag Insurance Services, Inc.
5151 N. Palm Ave Suite 50, Fresno, CA 93704
Jeff Singleton II
7257 N Maple Avenue #104, Fresno, CA 93720-0167
ERC Valley Insurance Services
2497 W Shaw Ave Suite 102, Fresno, CA 93711
Mennonite Insurance Services
1110 J St, Reedley, CA 93654
Quick Buy Insurance Services
4708 N Blackstone Ave, Fresno, CA 93726
Valley Ag Insurance Agency Inc.
2416 West Shaw Ave. Suite 111, Fresno, CA 93711
Gennock Insurance
617 East Teal Circle, Fresno, CA 93730
Dalena Benik & Associates
6740 N. West, Suite 108, Fresno, CA 93711
Chavez Insurance Services
2530 South Mooney Boulevard, Visalia, CA 93277
McCarty Insurance
7078 N Maple Ave. Suite 106, Fresno, CA 93720
Nichole Castech
612 E Shields Ave, Fresno, CA 93704

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What does a standard homeowner insurance policy typically cover in Fresno?

    Standard homeowner insurance policies in Fresno typically cover a range of losses, including damage from vandalism, falling objects, hail, fire, smoke, and theft of personal property. However, specific coverages can vary based on your policy, so it's essential to customize your coverage to reflect the unique risks and circumstances of your home and possessions.

  • What are some key home maintenance tips for homeowners to retain their Fresno home insurance coverage?

    To retain home insurance coverage in Fresno, homeowners should focus on proactive home maintenance, such as inspecting and repairing roofs promptly, maintaining healthy trees to prevent property damage, monitoring and addressing signs of water damage, securing windows with good locks, and regularly testing and maintaining smoke detectors. These measures help reduce risks, minimize insurance claims, and ensure continued coverage.

  • Can homeowners insurance on a Fresno rental property be tax-deductible?

    Homeowners insurance premiums for a rental property in Fresno can be tax-deductible as a business expense. Although homeowners insurance premiums for your primary dwelling are generally not eligible for deductions, rental properties are regarded as business assets, allowing for deductions that can reduce your taxable income. It's important to keep records and consult with a tax professional to ensure compliance with tax laws and maximize deductions.

  • What is the average cost of homeowners insurance in Fresno?

    The average annual cost of homeowners insurance in Fresno is approximately $844. Note that the average cost is calculated based on various factors, including the average home value in the area, which is around $278,202, and the local crime rate, with 5.55 burglaries per 1,000 homes being a relevant statistic.

  • What are some common scenarios where home insurance liability coverage comes into play in Fresno?

    Common scenarios where home insurance liability coverage becomes relevant in Fresno include instances like dog bites, where your pet injures someone, potentially leading to lawsuits or medical expense claims. Slips and falls involving guests on your property, particularly in areas with hazards, can also result in liability claims. Yard accidents, like injuries from yard equipment or falling trees damaging a neighbor's property, are additional situations where liability coverage is essential to protect homeowners.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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