Updated: November 27, 2024
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In Clovis, California, Allstate is the best and cheapest home insurance company overall. However, if customer service is your priority, Chubb is the top choice.
These companies cater to different needs, so choose a provider based on what matters to you, whether coverage, service or affordability.
Best HomeInsuranceClovis, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Clovis.
Home insurance premiums in Clovis represent the most competitive quotes as of September 2024.
Allstate is the best home insurance option for $100K dwelling coverage in Clovis, CA, with a MoneyGeek score of 83 out of 100.
Based on MoneyGeek's scoring system, home insurance companies' scores in Clovis range from 52 to 83, which vary depending on factors like credit history and home age.
| Allstate | 83 | $319 |
| Travelers | 81 | $447 |
| Farmers | 79 | $402 |
| Chubb | 73 | $679 |
| State Farm | 62 | $742 |
| Nationwide | 54 | $835 |
| Capital Insurance Group | 52 | $575 |
Allstate is the best home insurance company in Clovis, CA, for $100K dwelling coverage due to its strong affordability and customer satisfaction. The overall top providers are:
Although cost is a crucial factor, consider factors like customer service and claim handling, as these become important when making claims.
Allstate stands out for its affordability and customer satisfaction. Discounts like bundle (up to 25% off when combining home and auto policies) and responsible payment (for good payment history) help reduce costs.
It offers comprehensive coverage, including cyber event/ID theft, which helps recover lost data and covers legal fees in case of identity theft, and backup of sewer or drain, which covers water damage from drain issues. Home business property coverage protects inventory stored at home.
Chubb offers the best customer service in home insurance for $100K dwelling coverage in Clovis, CA. The top providers in this category are:
Chubb's high score is due to superior customer satisfaction and extensive coverage options at competitive rates. Top-tier home insurance service includes responsive support, clear communication and efficient claims handling.
Chubb scores highly on MoneyGeek for its strong customer satisfaction and coverages. It provides comprehensive home insurance, including guaranteed replacement cost, which covers rebuilding costs beyond your policy limit, and building ordinance coverage to meet updated codes. Cash settlement offers a payout option if you choose not to rebuild after a total loss.
Homeowners can save with the new home discount for homes 10 years old or less and renovation discounts for recent updates.
Allstate is the best cheap home insurance company in Clovis, CA, for $100K dwelling coverage. The top budget-friendly providers for this coverage amount are:
If saving on premiums is a priority, consider the cheapest homeowner insurance companies. However, affordable home insurance often means having less coverage, which might save money but leave you without enough help if something wrong happens. Allstate stands out not just for affordability but also for customer satisfaction.
Allstate is the best cheap company with high affordability and satisfaction scores. You can save with discounts like responsible payment, which rewards a good payment history.
Allstate offers coverages for protecting your home and belongings, such as cyber event/ID theft, which helps pay for recovery costs if your identity is stolen, and home business property, which increases limits for business items stored at home. Yard and garden coverage helps with costs for trees and landscaping.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 10, 2024
Homeowners insurance in Clovis depends on many factors, with location as key. To save, compare rates from at least three companies. This research might take over an hour. Use MoneyGeek's home insurance calculator to save time. Enter your age, dwelling coverage, credit score, deductible and liability coverage for an instant rate estimate.
Allstate is the top choice for cheap home insurance in Clovis, CA. Here are the cheapest overall providers:
Dwelling coverage significantly affects home insurance rates. Allstate is the most affordable for $100K, $250K and $500K coverages in Clovis, offering great value with a MoneyGeek score of 91 out of 100.
Getting the cheapest homeowners insurance in California can help manage finances more effectively over time.
| Allstate | $319 |
| Farmers | $402 |
| Travelers | $447 |
| Capital Insurance Group | $574 |
| Chubb | $679 |
| State Farm | $742 |
| Nationwide | $835 |
Allstate is the best option for high-value home insurance in Clovis, CA. High dwelling coverage is crucial for properties that cost more to replace, and home insurance costs can increase due to several factors.
While Allstate is the cheapest for insuring expensive homes, it also ranks highly in customer satisfaction. This balance makes Allstate appealing to those seeking affordable and reliable coverage.
| Allstate | $1,598 |
| Travelers | $2,235 |
| Capital Insurance Group | $2,408 |
| State Farm | $3,612 |
| Farmers | $3,900 |
| Chubb | $3,928 |
| Nationwide | $4,249 |
In Clovis, CA, Farmers offers the lowest annual premium for new homes requiring $100K in dwelling coverage.
While Farmers offers the lowest rates, consider service quality also and ensure you have adequate coverage when selecting an insurance plan.
| Farmers | $191 |
| Travelers | $241 |
| Allstate | $248 |
| Nationwide | $342 |
| State Farm | $371 |
| Capital Insurance Group | $374 |
| Chubb | $550 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To determine how much home insurance coverage you need, consider factors like rebuilding costs and personal property value.
Research insurance companies in Clovis, CA. Look for those with strong financial stability and good customer reviews.
Once you know what coverages you need, compare home insurance quotes. In Clovis, CA, average annual premiums for $100K dwelling coverage range from $319 with Allstate to $835 with Nationwide.
Inquire about discounts for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can lower your premium, but ensure it's affordable.
Installing security systems and strong locks can reduce risks and potentially lower insurance costs.
A good credit score can impact your rates. Pay bills on time and minimize debt.
Consider bundling your homeowners insurance with other policies like auto insurance for potential savings.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to some common questions about the best cheap insurance rates in Clovis, CA.
The average annual home insurance cost in Clovis, California, is $449.
Allstate is the cheapest home insurance company in Clovis, California, with an annual premium of $319.
Allstate offers the best home insurance in California for Clovis residents, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
