Cheap Homeowners Insurance Clovis

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cheap homeowners insurance clovisClovis is located in Fresno County, and has a population of 98,626, making it the 2nd largest city in Fresno County. Clovis is located midway between Los Angeles and San Francisco, bordering Fresno, in the agriculturally rich San Joaquin Valley. Lying at the foot of the Sierra Nevada Mountain Range, it is a popular place to own a home. The cost of living in Clovis is 16% lower than the California average and 14% higher than the national average. The median home price in Clovis is $247,400, which is 41% higher than the national average. Owning a home anywhere in California is a big investment, so it is very important to understand how much insurance you need according to the special features of the area. This will help you get the best cheap homeowners insurance Clovis has available.

The overall crime rate in Clovis is 12% higher than the national average and  crime involving property is 13% higher than the the state of California and 19% higher than the nation’s average. cheap homeowners insurance clovis 2The property crime rate has stayed about the same since 2006. Homeowners insurance rates are affected by crime rates in the area, as well as the geographical risks of a city.

The Clovis area has active and potentially active seismic fault zones, and there is a 47.81% chance of a major earthquake within 50km of Clovis within the next 50 years. The elevation of Clovis is approximately 355 feet above mean sea level and part of Clovis is within the 100-year flood zone. As most homeowners insurance policies do not cover flood and earthquake damage, adding these to your policy is wise if you live in Clovis.

About Homeowners Insurance in Clovis

Since each homeowner is an individual, not every person will want the same coverage. However, there are certain aspects to homeowners insurance that are necessary. Most policies generally cover
the following:

  • cheap homeowners insurance clovis 3Damage to your home, such as permanent structures being destroyed by fire.
  • Damage to personal property, including items in your home being damaged that are not permanent structures.
  • Liability Coverage, which can be useful in legal matters or if there is an accident at your residents.
  • Limited Coverage for theft, which covers things such as stolen jewelry or other expensive property.

California has many cheap homeowners insurance carriers to choose from and premium rates are largely based on who is providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance Clovis has to offer.