Fresno Insurance Agency
Independent. Local. Honest.
Stonecrest Insurance Services is a licensed independent agency with a local office on E Yale Ave in Fresno, led by Patti Clem. We shop 20+ top-rated carriers to find the best rates on auto, home, renters, and business insurance for Fresno County residents and businesses.
Meet Your Fresno Agent
Patti Clem
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.
Fresno Office
4922 E Yale Ave, Suite #8Fresno, CA 93727
- Phone
- (559) 490-0574
- Hours
- Mon–Fri, 8:00 am – 5:00 pm · Sat by appointment
- Visits
- In person by appointment
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Fresno County — From the City to the Valley Floor
Complete Insurance for Fresno County
Auto Insurance
Compare rates from 20+ carriers across every ZIP code in Fresno County — from central Fresno to rural Clovis and Sanger.
Home Insurance
Homeowners coverage for Fresno County properties — including wildfire-exposed foothill communities in Clovis, Sanger, and the Sierra foothills.
Renters Insurance
Affordable renters coverage for Fresno County's large apartment and rental market. Coverage from $15/month.
Umbrella Insurance
Extra liability protection above your auto and home policies — one of the smartest additions for Fresno County families.
Business Insurance
GL, commercial auto, and BOP coverage for Fresno County small businesses, contractors, and agricultural operations.
Surety Bonds
Contractor, notary, and license bonds for licensed professionals and contractors throughout Fresno County.
Fresno County's Independent Insurance Agency
Insurance rates vary significantly across Fresno County's ZIP codes. We compare 20+ carriers to find the best rate for your specific address, vehicle, and coverage needs.
Our Fresno office at 4922 E Yale Ave, Suite #8 means we understand the local market — wildfire risk in the foothills, agricultural properties in the valley, and urban Fresno's unique coverage landscape.
We handle your auto, home, business, and umbrella policies — bundling where it makes sense to maximize your discounts and simplify your renewals.
Local Fresno Office — Serving the Entire County
Fresno County is California's agricultural heartland and home to nearly one million people. From the dense urban core of Fresno and Clovis to the agricultural communities of Selma, Fowler, and Kerman, and the foothill neighborhoods approaching the Sierra Nevada, insurance needs vary considerably across the county.
As an independent agency, Stonecrest isn't locked into one carrier's rates. We shop the market on your behalf — which means better rates and coverage options than going directly to a single insurer.
(559) 490-0574Fresno County Insurance — Frequently Asked Questions
What is the average cost of car insurance in Fresno, CA?
Fresno drivers pay roughly $1,700–$2,300 per year for full coverage auto insurance in 2026. Rates vary significantly by ZIP code — central Fresno ZIPs tend to run higher than Clovis or Sanger due to accident frequency and theft rates. As an independent agency, Stonecrest compares 20+ carriers to find the most competitive rate for your specific address.
Why is home insurance so expensive in Fresno County?
Fresno County homes in foothill and wildland-urban interface areas — particularly near Clovis, Sanger, and the Sierra foothills — have seen carrier non-renewals and rate increases due to wildfire risk. Valley-floor properties in central Fresno generally have more carrier options. Stonecrest has access to both standard and surplus lines markets to find coverage for all Fresno County properties.
Do I need wildfire insurance if I live in Fresno?
It depends on your location. Central Fresno and Clovis valley-floor homes typically qualify for standard homeowners policies that include fire coverage. Properties in the Clovis foothills, Sanger, or near the Sierra Nevada interface may face limited carrier availability. If your home insurer has non-renewed you, call us — we have access to admitted and non-admitted markets that can cover higher-risk Fresno County properties.
Can Stonecrest Insurance help Fresno County small businesses?
Yes. We provide general liability, commercial auto, business owner's policies (BOP), and workers' compensation for Fresno County businesses of all sizes — from agricultural operations and contractors to retail shops and professional services. Call (559) 490-0574 or request a business insurance quote online.
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