Fontana, CA Homeowners Insurance

Fontana is located just 50 miles away from Los Angeles in San Bernardino County. It was incorporated in 1952 and mostly remained an agricultural community till World War 2, but today, it’s a hub of the trucking industry. Fontana is one of the fastest-growing cities in Southern California. The city has developed into a safe community and offers a quality of life with development, facilities, and services. 

The city of Fontana is home to a renovated historic theater, 36 parks, scenic trails, and the Auto Club Speedway on the Kaiser Steel Mill site. Fontana offers numerous sporting and recreational opportunities at the Center Stage Theater, the Art Depot, 59 Sports fields, and Lewis Library and Technology Center. The Center is known to have the largest collection of books and the largest workspace in San Bernardino County. Fontana is known for its beautiful scenery and local attractions, including Fiesta Park, the Artist Showcase, Smoke Stack Trail, and Mount Jurupa. Center Stage Theater is the most famous building in the city, featuring a live performance theater with a live dinner theater where you can enjoy a variety of delicious menus, including appetizers, entrees, and dessert. 

Since its incorporation, the city has been named several titles, including 24th Best Place to Raise a Family in the United States and Top 20 Safest Cities in the Nation. It has a low crime rate, affordable housing, low unemployment rate, and a diverse community. Today, more than 210,759 people call the city their home. There are 54,558 housing units in the city, with a homeownership rate of 64.6%. The median value of a home in Fontana is $323,299. Buying a home is the biggest investment of anyone’s life, making it inevitable to get homeowners insurance. Fontana homeowners insurance will protect your property from any unforeseen financial losses that might incur due to accidents or natural disasters. 

Although it is not legally required to purchase homeowners insurance, it’s wise to get one anyway. If you are looking to buy homeowners insurance in Fontana, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in Fontana 

Finding the right homeowners insurance can be overwhelming, but getting the right price doesn’t have to. To get the best rate for your homeowners insurance in Fontana, you should start your research by comparing rates from the best-rated companies in your area.   

In Fontana, the average homeowner insurance rate is $849, which is lower than the national average.  

Fontana Homeowners Insurance Rates Compared to State and National Averages

Fontana Average Home Insurance Cost (annual)California AverageUnited States Average
$849$1,173$1,444

Fontana Homeowners Insurance Premiums by Company

In Fontana, homeowners insurance rates may vary from company to company as they all offer different types of coverages. The cost of your homeowners insurance depends on several factors, including the insurance company’s system to determine your policy rates.

In Fontana, Horace Mann offers the most affordable homeowners insurance policy valued at $418. Take a look at the table below and see rates offered by different insurance providers in Fontana. 

Fontana Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Horace Mann$418
Mercury$489
Travelers$501
Amica Mutual$648
Homesite$743
Oregon Mutual$856

Fontana Homeowners Insurance Rates by Coverage Amount 

When you buy a homeowners insurance policy, you will be asked to choose a dwelling coverage limit used to pay for the replacement or repair cost of your property in case of a disaster. Depending on the chosen dwelling coverage, your homeowners insurance rates will fluctuate. 

Here’s how different coverage levels affect your annual homeowners insurance cost in Fontana:

Homeowners Insurance Rates in Fontana by Coverage Limits

Dwelling Coverage AmountAnnual Home Insurance Cost
$100,000$267
$200,000$801
$300,000$1,048
$400,000$1,302
$500,000$1,659
$750,000 to $1000,000$1,934

Fontana Homeowners Insurance Rates by ZIP Codes  

Homeowners insurance rates change from company to company, state to state, city to city, and from one neighborhood to another. Your homeowners insurance companies use local variables to calculate the insurance cost, including the property’s location, age of the house, number of claims filed from your neighborhood, and the crime rate. 

Take a look at the table below, as we have listed the homeowners insurance rates in Fontana based on different ZIP codes. 

Cost of Homeowners Insurance in Fontana by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Fiddleleaf Rd92337$489
Boca Raton Way92336$572
Knollwood Ave92377$618
Briarwood Ave92335$622
Armstrong Rd92331$738

Popular Home Insurance Deductibles in Fontana

When you purchase homeowners insurance, your insurance agent would ask you to decide on a deductible amount. A deductible is a dollar amount that a homeowner is responsible for paying when filing an insurance claim. A high deductible can help you to reduce the cost of your homeowners insurance premium. 

The following table shows how Fontana homeowners insurance rates fluctuate based on different deductible amounts. 

Homeowners Insurance Cost in Fontana based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$842
$1,000$763
$1,500$715
$2,000$651
$5,000$568

Homeowners Insurance Coverages Available in Fontana 

A standard homeowners insurance policy in Fontana  provides the following coverages:

  • Dwelling Coverage – Provides coverage for any damage to the physical structure of your home. 
  • Attached Structures Coverage – Protects the monetary loss for any structure attached to your home, such as a garage or shed. 
  • Personal Property Coverage – Provides coverage to your home’s content, including clothes, furniture, appliances or equipment, and jewelry. 
  • Personal Liability Coverage – Provides coverage if someone gets injured on your property or if a resident of your home caused the injury. 
  • Medical Expenses Coverage – Covers the medical expenses if someone gets injured at your property. 
  • Additional Living Expense – Covers additional living expenses that might incur while living away from your home during an insurance claim. 

Best Home Insurance Companies in Fontana

Generally, homeowners purchase their insurance policy based on the price offered by the insurance companies. Unfortunately, the cost is not the only factor that needs to be considered. When you buy homeowners insurance, you must pay attention to the company’s financial background, claim process, and customer service. 

To make your research easier, we have listed the best Fontana homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Fontana

CompanyJ.D. Power RankingA.M. Best RatingBBB Rating
Allstate 3 out of 5 starsA++ (Superior)A+
Travelers 5 out of 5 starA++ (Superior)A+
Erie 5 out of 5 starsA+ (Superior)A+
State Farm 4 out of 5 starsA++ (Superior)A
Nationwide 3 out of 5 starsA+ (Superior)A+

Top Homeowners Insurance Agents in Fontana

Homeowners Insurance Agency Near FontanaAddress
Allstate Insurance16689 Foothill Blvd Ste 104, Fontana, CA 92335
Dealer Direct Insurance Solutions: Allstate Insurance16570 S Highland Ave, Fontana, CA 92336
Shaver Insurance17480 Arrow Blvd #20, Fontana, CA 92335
American National Insurance Co16856 Merrill Ave, Fontana, CA 92335
Mundo Latino Insurance Agency9027 Sierra Ave, Fontana, CA 92335
Hammer Insurance Services Inc17049 Valley Blvd, Fontana, CA 92335
Rauda Insurance Agency11606 Belmonte Rd, Fontana, CA 92337

Common Causes of Home Insurance Claims in Fontana

Unforeseen disasters can never be avoided. Regardless of your extreme efforts to safeguard your property, it can be damaged by different means, including floods, wildfires, thefts, and vandalism. Here are the top causes of homeowners insurance claims in Fontana:

  • Damages to the exterior of the property
  • Fire and smoke
  • Water damages caused by floods
  • Vandalism, theft, and burglary 
  • Water damages caused by appliance failure or plumbing

Money-Saving Tips for Fontana Homeowners Insurance 

Homeowners insurance keeps your property protected, but it can be very expensive. The best way to save money on your Fontana homeowners insurance is by bundling it up with your auto insurance. If you have the same provider for both home and auto insurance, you can ask them to provide you a package that offers sufficient coverage on both assets. 

By bundling your auto and home insurance, you can save up to 12% on your premium. Refer to the following table to see how bundling your home and auto insurance affects your insurance premiums. 

Auto & Homeowners Insurance Bundling Discounts in Fontana

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,301
GEICO$1,408
Farmers$1,649
Allstate$1,882
CSAA$1,969

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Fontana, CA Homeowners Insurance FAQs

Standard homeowners insurance covers multiple perils, excluding:

  • Earthquakes, sinkholes, and other damages caused by the movement of the earth
  • Damages that incur due to lack of regular maintenance
  • Damage caused by war or nuclear hazard
  • Damages caused by floods

Yes, your insurance company can consider your policy as non-renewal, which means your policy will not be renewed at the time of expiration. Your insurance provider will inform you about your coverage being dropped, giving you sufficient time to purchase a new homeowners insurance policy. Your policy can also be canceled due to non-payment and other risk factors.  

Replacement cost is the amount it would take to rebuild your home with similar products and features if it gets damaged due to any unforeseen disaster. Replacement cost depends on the dwelling coverage level and the amount your insurance provider will pay if a claim is filed. 

When you select your dwelling coverage amount, make sure it’s equal to the replacement cost and more than your home’s market value. 

There are a number of factors that can decrease the homeowner insurance in Fontana, such as:

  • Having your home repaired from time to time
  • Installing home safety systems
  • Increasing the deductible amount
  • Reducing the risk of floods  

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