Updated: November 29, 2024
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In Ontario, CA, Farmers is the overall best choice for home insurance, also topping the list for cheap policies. For excellent customer service, Chubb ranks highest.
These companies suit different needs and choosing the best cheap home insurance depends on factors like cost, customer service and coverage options. Always select based on your specific needs and preferences.
Best HomeInsuranceOntario, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find top homeowners insurance options in Ontario.
Home insurance premiums in Ontario correspond to the most competitive quotes as of September 2024.
Farmers is the best option in Ontario, California for home insurance with 100K dwelling coverage, earning a MoneyGeek score of 85 out of 100. The scores for home insurance companies in Ontario, California range from 54 to 85. These figures reflect MoneyGeek's scoring system — insurers may receive different scores based on your credit history, age of your home, etc.
| Farmers | 85 | $392 |
| Allstate | 83 | $393 |
| Travelers | 80 | $550 |
| Chubb | 74 | $774 |
| State Farm | 64 | $834 |
| Capital Insurance Group | 54 | $631 |
| Nationwide | 54 | $960 |
Farmers is the best option in Ontario, California for $100K dwelling coverage. The two best overall home insurance companies in Ontario for $100K dwelling coverage are:
Farmers stands out as the best home insurance provider by offering affordability and excellent customer satisfaction.
In Ontario, California, a variety of companies offer different cost and service experiences. While cost is crucial, it’s important to consider other factors like customer service and coverage options because these become essential when filing claims.
Farmers is the best overall company with high scores in affordability and customer satisfaction. It offers comprehensive home insurance coverage, including matching siding coverage and waiver of deductible for glass. Discounts like non-smoker and affinity help policyholders save. Non-smokers can qualify for lower premiums if no one in the household has smoked in the past two years.
Farmers provides useful coverages like guaranteed replacement cost, which helps cover extra repair costs if construction prices rise. Back-up of sewer or drain coverage helps with repairs if water enters your home due to a sewer backup. Cyber event/id theft coverage reimburses costs for restoring your identity.
Chubb provides the best customer service for home insurance in Ontario, CA, especially for those seeking 100K dwelling coverage. The top two providers for this coverage are:
Chubb stands out as the preferred choice thanks to its high customer satisfaction ratings, which enhance its overall score. It offers excellent protection and responsive service, making it a smart option for homeowners who prioritize support.
Opting for Chubb means choosing a reliable provider focused on customer experience and efficient claims handling, ensuring your concerns are addressed swiftly. Excellent service in home insurance means quick response to claims, transparent communication and attentive customer care to meet your needs.
Chubb scores high on MoneyGeek due to its customer satisfaction and coverage. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages.
Chubb also provides discounts like protective device and new home, helping you save money. You can qualify for a discount by installing security devices. Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit.
Building ordinance or law coverage pays for updates to meet current codes. Cash settlement offers flexibility if you choose not to rebuild.
Farmers is the best cheap home insurance option in Ontario, California for 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Farmers stands out due to its high customer satisfaction score, which significantly contributes to its MoneyGeek score. While securing cheap home insurance is wallet-friendly, it often means choosing lower coverage, which might not be enough during an emergency. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
Farmers is the best cheap company, scoring high in affordability and satisfaction. It offers comprehensive home insurance with scheduled personal property and back-up of sewer or drain. You can save with discounts like protective device and non-smoker discount. Non-smokers qualify by not smoking for two years.
Farmers provides useful coverages like guaranteed replacement cost, which helps if repair costs exceed limits. Cyber event/ID theft coverage reimburses identity restoration costs. Matching siding coverage ensures repairs match your home's look.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 10, 2024
In Ontario, many factors affect homeowners insurance, with location being one. Comparing insurance rates is the best way to save, but it can be time-consuming — taking 15 minutes per company and possibly over an hour if you compare three or more. MoneyGeek's home insurance calculator helps save instantly by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other details to get a rate estimate.
Farmers is the top choice for home insurance in Ontario, California, based on affordability and a high MoneyGeek score. A major aspect affecting home insurance premiums is the dwelling coverage you pick.
Farmers is the cheapest for 100K coverage, with a high score of 91, suggesting good value. For 250K, Allstate is cost-effective at $804, although its score is lower at 90. Allstate also leads in 500K coverage for overall affordability and performance. Purchasing cheapest homeowners insurance in California can ease budget management effectively.
| Farmers | $392 |
| Allstate | $393 |
| Travelers | $550 |
| Capital Insurance Group | $631 |
| Chubb | $774 |
| State Farm | $834 |
| Nationwide | $960 |
Allstate offers the cheapest annual premium for high-value homes in Ontario, California. High dwelling coverage is needed for homes requiring more expensive replacements, and home insurance costs tend to increase as coverage limits rise.
Allstate is the most affordable homeowners insurance in Ontario, CA. According to MoneyGeek, while it tops affordability, other factors like service quality may influence if it's the best choice for overall coverage.
| Allstate | $2,190 |
| Capital Insurance Group | $2,643 |
| Travelers | $2,732 |
| Farmers | $3,259 |
| State Farm | $4,057 |
| Chubb | $4,592 |
| Nationwide | $4,923 |
Farmers provides the cheapest home insurance for new homes in Ontario, California.
Farmers stands out as the most affordable option for homeowners in Ontario, California. However, affordability may not always align with the best overall coverage. You need to make sure you are adequately covered to meet your needs.
| Farmers | $186 |
| Allstate | $282 |
| Travelers | $296 |
| Nationwide | $388 |
| Capital Insurance Group | $410 |
| State Farm | $417 |
| Chubb | $622 |
The best cheap homeowners insurance balances quality and cost, offering great customer service and coverage with affordable premiums. In Ontario, the best cheap homeowners insurance depends on your needs. Consider factors like coverage options, customer service and deductibles. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider the rebuilding costs, personal property value and liability needs specific to your home in Ontario, California.
Research insurance companies in Ontario, California. Look for those with good financial stability, positive customer reviews and a history of quality service.
Once you know what coverage you need, compare home insurance quotes. In Ontario, California, premiums for $100K dwelling coverage range from $392 to $834 annually.
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety features or maintaining a claims-free history.
Choosing a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford to pay if needed.
Enhancing home security with systems and strong locks can decrease your home's risk profile and potentially lower insurance costs.
Keep a good credit score to positively affect your insurance rates in Ontario, California. Pay bills on time and reduce outstanding debts.
Consider bundling your homeowners insurance with other policies like auto insurance. This can lead to savings and discounts.
The best cheap home insurance provider in Ontario depends on your coverage needs and budget. Get answers to common questions about the best cheap insurance rates in Ontario, California. Understanding your options helps you make an informed decision and choose the right policy for your home.
The average cost of home insurance in Ontario, California is $508.
The cheapest home insurance company in Ontario, California is Farmers with an annual premium of $392.
The best home insurance in California for Ontario residents is provided by Farmers, with a MoneyGeek score of 85 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
