Stonecrest Insurance Services is a licensed independent agency serving Clovis from our Fresno office on E Yale Ave, about four miles south of Old Town. Patti Clem and our team compare 20+ top-rated carriers for auto, home, renters and business insurance — no pressure, no obligation.
Patti leads our Fresno office and has been with Stonecrest since the day it opened. The Fresno number rings in the Fresno office, and in-person appointments are available on E Yale Ave.
Loads Google Maps, which may set cookies. Or open directions.
Homes in Harlan Ranch, Loma Vista and Copper River have newer roofs, wiring and plumbing, which most carriers like. The common gap is a dwelling limit set at purchase that no longer matches what it would cost to rebuild today.
Older homes can draw questions about electrical panels, plumbing and roof age. Updating those systems opens up more carriers and better pricing. What insurers look for in an older home →
The closer a home sits to the foothills along Highway 168, the more wildfire exposure carriers see, and the fewer of them will write it. Defensible space helps, and so does an agent with access to more than one market.
Homeowners policies don't cover an AC unit that simply wears out in July — ask about an equipment breakdown endorsement. And a backyard pool raises your liability exposure, so check your limits before summer.
See what Fresno-area homeowners pay in How Much Is Home Insurance in Fresno?, or get a quote through Fresno home insurance.
Clovis brings our local clients many unique opportunities and challenges. We’re always looking for new-construction discounts in town, and the farther east you go, the more we look for carriers with a higher tolerance for fire risk. Many foothill homes still end up on the California FAIR Plan because of their fire zone, and even new construction with hydrants close by can sit in a high fire zone.
A client in Clovis called because their mother had moved in with them and needed car insurance. We added Mom to the family policy, so she got more coverage at a better price!
Annual mileage is a common concern for our Clovis-area clients. We have programs that rate mileage accurately and cut down on reporting and frustration for customers.
Notes from the agents at our Fresno Office. Questions about your own situation? Call (559) 490-0574.
Clovis ZIP codes typically rate among the lowest in Fresno County. We compare 20+ carriers to find which one prices your Clovis address most competitively.
Homeowners coverage for Clovis properties — from Old Town classics to newer Copper River and Harlan Ranch construction, and foothill-adjacent homes other agents turn away.
Affordable renters coverage for Clovis apartments and rental homes. Protect your belongings starting from $15/month.
Extra liability protection above your auto and home policies — one of the best values in personal insurance, especially for homes with a pool.
General liability, BOP, workers' comp and commercial auto for Clovis small businesses, contractors and service providers.
Contractor license bonds, court bonds and other surety bonds for licensed professionals and contractors in the area.
Clovis ZIP codes usually price favorably, but each carrier weighs location differently. We compare carriers to find the one that gives you the most credit for it.
Many Clovis drivers commute on Highway 168 and 99, where winter tule fog brings near-zero visibility. We recommend liability well above California's 30/60/15 minimum and uninsured motorist coverage.
Multi-policy discounts typically save around 15%. We find the carrier where bundling works best for your specific situation.
Our Fresno office at 4922 E Yale Ave, Suite #8 is about four miles south of Old Town Clovis. Patti Clem leads the office and has been with Stonecrest since it opened in 1999.
Stop by by appointment, or handle everything by phone and email — quotes, policy changes, certificates and claims help. The Fresno number rings in the Fresno office.
(559) 490-0574Yes. Our Fresno office at 4922 E Yale Ave, Suite #8, Fresno, CA 93727 is about four miles south of Old Town Clovis. It is led by licensed agent Patti Clem, who has been with Stonecrest since 1999. Call (559) 490-0574, or visit by appointment Monday through Friday.
Clovis ZIP codes (93611, 93612 and 93619) typically rate among the lowest in Fresno County. For context, Fresno-area drivers pay roughly $1,700–$2,300 a year for full coverage in 2026, and many Clovis drivers land toward the lower end. Your driving record, vehicle and choice of carrier still move the price more than your ZIP code, which is why we compare 20+ carriers.
In most of Clovis, yes — valley-floor neighborhoods are still written by standard carriers. As you move northeast toward the Highway 168 foothills, carrier appetite tightens because of wildfire exposure. If your carrier has non-renewed you, we check standard carriers, surplus lines carriers and, when needed, the California FAIR Plan paired with a difference-in-conditions policy.
A pool is usually covered as part of your property, and your liability coverage applies if a guest is hurt. But pools raise liability exposure, and some carriers ask about fencing, locking gates, diving boards and slides — or decline certain features. Clovis families with a pool should carry at least $300,000 of personal liability and consider an umbrella policy on top.
What Fresno homeowners pay for insurance, what's behind Central Valley increases, and how to find better coverage at a fair price.
What Fresno drivers pay for auto insurance, what's pushing Central Valley premiums up, and how to pay less without giving up coverage you need.
California carriers now check defensible space before renewing home insurance. What Zone 0, 1, and 2 mean and how to document improvements.
Umbrella insurance adds $1 million or more in liability coverage above your home and auto policies. Who needs it and what it costs in California.
Fill out the form and an agent will contact you within 1 business hour.
We use necessary cookies to make this site work. With your permission, we'd also like to use analytics cookies to see how the site is used, and marketing cookies (Google, Meta/Facebook) to measure our advertising. Nothing optional runs unless you say yes. Cookie Policy
Your browser is sending a Global Privacy Control signal, so marketing cookies stay off.
