General Insurance Agency
500 Mitchell St, Clovis, NM 88101
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Clovis households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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500 Mitchell St, Clovis, NM 88101
View this agency's profile to learn more about their services.
500 Mitchell St, Clovis, NM 88101
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Clovis residents.
Clovis home insurance averages $1,236/year. Learn about wildfire risks, FAIR Plan options, and coverage for extreme heat in California's Central Valley.
General Insurance EducationComplete insurance guide for Clovis residents covering new 2025 auto minimums, wildfire risk, home insurance costs, and California market changes.
Car InsuranceClovis auto insurance requirements increased to 30/60/15 in 2025. Learn about California's at-fault system, Highway 168 risks, and coverage options.
Clovis home insurance averages $1,236 annually, which is actually below California's state average despite about 75% of buildings facing high wildfire risk. Your specific premium depends on your home's age, construction, defensible space, and the carrier you choose. Wildfire risk does factor into pricing, but Clovis rates remain more affordable than foothill communities with direct fire exposure.
The California FAIR Plan is an insurer of last resort for homeowners who can't get coverage in the standard market. It covers fire, lightning, smoke, and internal explosion, but excludes water damage, theft, and liability. You only need the FAIR Plan if traditional insurers won't cover your property, and you'll need separate policies to fill coverage gaps.
Standard homeowners policies typically cover AC systems if they're damaged by a covered peril like fire or vandalism, but they often don't cover breakdown from normal wear and tear or age. Given Clovis's extreme heat—projected to reach 41 days over 104°F by 2050—you should consider adding equipment breakdown coverage to protect your HVAC system.
State Farm and Allstate stopped writing new homeowners policies in California in 2023-2024, but other carriers still operate in Clovis. Working with a local independent agent who knows which insurers are actively writing policies in Fresno County is your best strategy for finding coverage in the current market.
You can reduce premiums by maintaining defensible space around your home, installing fire-resistant vents and roofing materials, updating older roofs, bundling home and auto insurance, increasing your deductible, and improving home security with monitored alarm systems. Ask your insurer about specific discounts for wildfire mitigation measures.
Always choose replacement cost coverage for your dwelling and personal property. Actual cash value pays depreciated amounts, which won't cover California's high construction costs to rebuild your home. Replacement cost coverage costs more upfront but ensures you can actually rebuild or replace what you lose without paying thousands out of pocket.
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