Best and Cheapest Renters Insurance in Clovis, CA (Sept 2024)


Updated: September 13, 2024

Advertising & Editorial Disclosure

In Clovis, California, Travelers is the best renters insurance company, with a MoneyGeek score of 85 and an average annual premium of $139 for $20,000 in personal property coverage. The cheapest provider is Capital Insurance Group, with a score of 89 and an average yearly premium of $70.

For homeowners insurance, look for a balance of customer service and affordability. For example, Travelers is the best for expensive personal property, with an annual premium of $331. MoneyGeek also reviewed the best and cheapest renters insurance in California for those who live elsewhere in the state.

MoneyGeek Logo IconBest & CheapestRentersClovis, CA
2024

Table of Contents

Why Trust MoneyGeek? We analyzed information from the California Department of Insurance and Quadrant Information Services to determine the top renters insurance options in Clovis.

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Renters insurance premiums in Clovis represent the most competitive estimates as of September 2024.

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Clovis, CA

The best renters insurance companies in Clovis for a policy with $20,000 in personal property coverage are:

  • Travelers: MoneyGeek score of 85 out of 100 ($139 per year)
  • State Farm: MoneyGeek score of 83 out of 100 ($132 per year)

Travelers offers a strong balance of customer satisfaction and affordability, with an affordability score of 42 out of 55 and a customer satisfaction score of 28 out of 30.

Company logo for Travelers
Best OverallTravelers
MoneyGeek Score:
85/ of 100

Overview

Travelers ranks first for coverages in Clovis, with an annual premium of $139. It offers contents replacement cost coverage, which replaces lost items at current market value without depreciation. Additionally, its valuable items insurance covers high-value items like jewelry and fine art, allowing higher coverage limits without appraisals.

Best Renters Insurance in Clovis, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score85Annual Premium$ 139
State FarmMoneyGeek Score83Annual Premium$ 132
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 70
NationwideMoneyGeek Score81Annual Premium$ 154
AllstateMoneyGeek Score79Annual Premium$ 130
FarmersMoneyGeek Score69Annual Premium$ 176
ChubbMoneyGeek Score61Annual Premium$ 260

Cheapest Renters Insurance in Clovis, CA

In Clovis, the cheapest renters insurance for $20,000 in coverage with a $1,000 deductible are from:

  • Capital Insurance Group: $70 per year
  • State Farm: $132 per year

Personal property coverage protects your belongings from theft, damage or loss. Cheaper policies often have lower coverage limits, so higher limits may increase your monthly costs but provide better protection for many belongings.

Cheapest Renters Insurance in Clovis, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 70
State FarmMoneyGeek Score81Annual Premium$ 132
TravelersMoneyGeek Score81Annual Premium$ 139
AllstateMoneyGeek Score78Annual Premium$ 130
NationwideMoneyGeek Score75Annual Premium$ 154
FarmersMoneyGeek Score65Annual Premium$ 176
ChubbMoneyGeek Score49Annual Premium$ 260

Cheapest Renters Insurance With a High Deductible in Clovis, CA

Capital Insurance Group offers the best and cheapest renters insurance in Clovis for a policy with $20,000 in personal property coverage and a $2,000 deductible.

  • Capital Insurance Group: $55 per year
  • Travelers: $112 per year

You pay the deductible out of pocket before your insurance covers the rest. A higher deductible usually means lower premiums, while a lower deductible leads to higher premiums. Choosing a deductible you can afford is crucial if you need to file a claim.

Cheapest High Deductible Renters Insurance in Clovis, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 55
TravelersMoneyGeek Score87Annual Premium$ 112
NationwideMoneyGeek Score84Annual Premium$ 121
AllstateMoneyGeek Score75Annual Premium$ 130
State FarmMoneyGeek Score80Annual Premium$ 130
FarmersMoneyGeek Score67Annual Premium$ 173
ChubbMoneyGeek Score61Annual Premium$ 240
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HOW TO SET YOUR DEDUCTIBLE

When choosing a deductible, pick an amount you can comfortably pay out of pocket if you file a claim. A higher deductible can lower your annual premium and save you money while providing adequate coverage.

Best Renters Insurance for Customer Service in Clovis, CA

For renters in Clovis who prioritize exceptional service over cost, the following are the top two providers for a policy with $20,000 in personal property coverage:

  • Travelers: MoneyGeek score of 96 out of 100 ($139 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($154 per year)

Excellent customer service is crucial when filing a claim, as it can make the process smoother during stressful times. MoneyGeek rates the best renters insurance for customer service based on J.D. Power surveys, which evaluate satisfaction in areas like policy offerings, price, billing and claims.

Company logo for Travelers
Best Service QualityTravelers
MoneyGeek Score:
96/ of 100

Overview

Travelers ranks first in Clovis for customer satisfaction and coverage, with an average annual premium of $139. Travelers' contents replacement cost add-on covers personal property losses at full replacement value without deducting for depreciation. Its scheduled personal property coverage offers higher coverage limits for special items like jewelry and fine art without needing appraisals.

Best Renters Insurance For Service Quality in Clovis, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 139
NationwideMoneyGeek Score95Annual Premium$ 154
ChubbMoneyGeek Score93Annual Premium$ 260
State FarmMoneyGeek Score86Annual Premium$ 132
AllstateMoneyGeek Score77Annual Premium$ 130
FarmersMoneyGeek Score77Annual Premium$ 176
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 70

Best Renters Insurance for High Personal Property Limits in Clovis, CA

Travelers is the best option for renters needing high personal property coverage in Clovis. The top providers for $100,000 in coverage are:

  • Travelers: MoneyGeek score of 91 out of 100 ($331 per year)
  • State Farm: MoneyGeek score of 86 out of 100 ($355 per year)

Renters with many possessions often need higher personal property coverage to protect their belongings. While higher coverage increases costs, finding a provider that balances affordability with excellent service is crucial. Consider additional coverage for high-value items like jewelry or art to ensure full protection.

Company logo for Travelers
Best High Personal Property LimitTravelers
MoneyGeek Score:
91/ of 100

Overview

Travelers is the top choice in Clovis for expensive homes, with an affordable annual premium of $331 and a high customer satisfaction score of 28 out of 30. Its contents replacement cost add-on covers losses at the current market value without depreciation. The scheduled personal property coverage protects high-value items like jewelry and fine art, allowing for higher coverage limits without appraisals.

Best Renters Insurance for High Personal Property Limits in Clovis, CA
TravelersMoneyGeek Score91Annual Premium$ 331
State FarmMoneyGeek Score86Annual Premium$ 355
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 216
NationwideMoneyGeek Score79Annual Premium$ 491
AllstateMoneyGeek Score78Annual Premium$ 404
FarmersMoneyGeek Score74Annual Premium$ 466
ChubbMoneyGeek Score61Annual Premium$ 796
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SCHEDULED PERSONAL PROPERTY COVERAGE

You need additional coverage if you own valuables like fine jewelry or art since standard policies often don't cover these items. Choose a provider offering scheduled personal property coverage to protect your high-value possessions.

Best Renters Insurance for Military Families in Clovis, CA

For renters with military backgrounds in Clovis, the top providers for a policy with $20,000 in personal property coverage are:

  • USAA: MoneyGeek score of 100 out of 100 ($85 per year)
  • Travelers: MoneyGeek score of 85 out of 100 ($139 per year)

USAA offers a range of products tailored to those with a military background, offering discounts and coverages that suit the military lifestyle.

Company logo for USAA
Best for MilitaryUSAA
MoneyGeek Score:
100/ of 100

Overview

USAA is the top renters insurance provider in Clovis for military members, excelling in customer satisfaction and coverage. With an annual premium of $85, it offers affordability without compromising quality.

USAA provides contents replacement cost coverage, which replaces belongings at current market value in case of theft or damage. Additionally, its worldwide personal property coverage protects possessions, offering peace of mind for deployed military members.

Best Renters Insurance for Military in Clovis, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 85
TravelersMoneyGeek Score85Annual Premium$ 139
State FarmMoneyGeek Score83Annual Premium$ 132
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 70
NationwideMoneyGeek Score81Annual Premium$ 154
AllstateMoneyGeek Score79Annual Premium$ 130
FarmersMoneyGeek Score69Annual Premium$ 176
ChubbMoneyGeek Score61Annual Premium$ 260

Average Cost of Renters Insurance in Clovis, CA

The average cost of renters insurance in Clovis is $152 annually or $12 monthly. This is slightly higher than the California average of $148 and the national average of $145. These rates are for a policy with $20,000 in personal property coverage, $100,000 in liability coverage and a $1,000 deductible.

Costs can vary depending on the amount of personal property coverage, which protects your belongings from theft, fire and other events. Use the calculator below to estimate how much coverage you need and adjust your policy accordingly.

Personal Property Coverage Calculator

When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.

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Factors That Impact Renters Insurance Costs in Clovis

The cost of renters insurance in Clovis depends on several factors:

  • Location: Crime rates and weather risks in your area can affect your premium.
  • Coverage amount: Higher coverage limits increase your insurance costs.
  • Deductible: A higher deductible lowers your monthly premium but means higher out-of-pocket costs in a claim.
  • Claims history: A history of claims may lead to higher premiums due to increased perceived risk.
  • Credit score: A better credit record can result in lower premiums.

What Renters Insurance Covers in Clovis, CA

Renters insurance protects your belongings against damage and covers other aspects like personal liability and loss of use. Here’s what a typical policy includes:

  • Personal property coverage: Protects items like furniture and electronics. For example, if a fire damages your belongings, this coverage helps replace them.
  • Personal liability coverage: Covers legal expenses if you're liable for injuries or property damage. For instance, if a guest is injured in your home, it helps with legal fees.
  • Loss of use coverage: Covers additional living expenses if your rental becomes uninhabitable. For example, if an earthquake makes your apartment unlivable, loss of use coverage pays for temporary housing.
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COMMONLY COVERED PERILS

Renters insurance covers specific circumstances, such as theft and fire. Understand what is covered to avoid unexpected expenses. Here are common situations renters insurance covers:

  • Fire
  • Theft
  • Vandalism
  • Water damage
  • Storms
  • Liability
  • Loss of use

What Renters Insurance Does Not Cover in Clovis

While renters insurance provides a financial safety net, it doesn't cover every situation:

  • Natural disasters: Standard policies typically exclude damage from floods.
  • Roommate's belongings: Personal property coverage usually doesn't extend to a roommate's possessions unless they're specifically listed on the policy.
  • High-value items: Expensive items like jewelry or electronics may require additional coverage if their value exceeds the policy limit.
  • Business equipment: Property used for business purposes is generally not covered under standard renters insurance.
  • Pest damage: Damage from pests like bed bugs or rodents is usually not covered.
  • Car theft: While personal property stolen from your car may be covered, the theft of the vehicle itself is not.

FAQ: Renters Insurance in Clovis, CA

The best renters insurance provider in Clovis depends on your needs. We address frequently asked questions to help you make an informed decision.

How much is renters insurance in Clovis, California, on average?
What is the cheapest renters insurance company in Clovis, CA?
What is the best renters insurance company in Clovis, CA?
Do I need renters insurance in Clovis, CA?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.