The Best Cheap Homeowners Insurance in Fontana, California for 2024: Quotes and Reviews

One key factor to consider when selecting homeowners insurance in Fontana is the cost of coverage. Most companies offer the same standard coverages. However, prices vary depending on the insurance company and dwelling coverage limit you select.

The top two providers of cheap homeowners insurance in Fontana for a $500,000 dwelling coverage limit are:

• USAA: $1,542 per year (limited to military members and their families)
• Allstate: $1,580 per year

On the other hand, if you want to purchase a policy with a dwelling coverage limit of $2 million, the cheapest providers in Fontana are:

• ASI: $5,052 per year
• Allstate: $6,423 per year

Your actual costs may vary from the above figures depending on the dwelling coverage that you wish to purchase. By using the table below, you can easily compare rates across varying dwelling coverage limits.

For this research, MoneyGeek used policies with $500,000 for the baseline dwelling coverage limit and $200,000 for the personal property limit. A policy with a dwelling coverage limit of $2 million in Fontana features a property coverage limit of $800,000. However, all policies have a liability coverage limit of $100,000 regardless of the dwelling coverage.

If you live elsewhere in California, you can use MoneyGeek’s research to find the best cheap homeowners insurance on a statewide basis.

Homeowners insurance in Fontana costs an average of $2,217 per year. This is slightly higher than the state’s average cost of $2,002 per year, as well as the national average of $2,103.

Where you live in Fontana can have a considerable impact on your homeowners insurance costs. In addition, other factors like your dwelling coverage and personal property limits will affect your annual premiums.

If you wish to compare quotes across various companies in the city, the MoneyGeek homeowners insurance calculator can help.

While choosing the best homeowners insurance in Fontana, you need to consider various factors aside from the cost of coverage. Companies with the highest financial stability, for instance, tend to settle claims more fairly and efficiently. In addition, you should prioritize customer satisfaction and client support.

According to this study, the companies with the best homeowners insurance in Fontana include:

• Best Overall: USAA (exclusively provided to current and former military members)
• Runner-up: Allstate

MoneyGeek determined the average scores using financial stability, customer satisfaction and affordability rates for different insurance providers within the city.

If your home is newly constructed, you will most likely pay less for your homeowners insurance in Fontana. That’s because newly built homes are made using modern materials that are easy to replace and resistant to damage. Therefore, you are less likely to file a claim.

Homeowners insurance in Fontana costs $1,581 per year on average for a newly constructed home. However, for a home that was constructed in 2000, the average annual cost is $2,217.

According to Moneygeek’s research, the cheapest providers of homeowners insurance for newly constructed homes with an initial dwelling coverage of $500,000 are:

• USAA: $1,100 per year (for current and former military members only)
• Allstate: $1,127 per year

Homeowners insurance in Fontana covers your building as well as your personal property. However, the more property you have, the higher the cost of insurance becomes. If you have lots of personal possessions, you will pay more for your coverage.

For a policy with a personal property limit of $500,000, you will pay an average of $2,402 per year for high personal property and $2,217 for a standard personal property limit.

Based on the MoneyGeek analysis, the top insurers offering the cheapest homeowners insurance in Fontana with high personal property limits are:

• USAA: $1,671 per year (only for former and current military personnel)
• Allstate: $1,712 per year

The deductible is how much you pay out of pocket when your insurer agrees to pay your claim. It is one of the factors that influence the cost of homeowners insurance in Fontana. Policies with higher deductibles often feature lower monthly premiums.

For instance, a policy with a deductible of $2,000 costs $1,960 per year on average, while one with a deductible of $1,000 costs roughly $2,217.

The most affordable providers of homeowners insurance in Fontana for high deductibles are:

• USAA: $1,363 per year
• Allstate: $1,397 per year

Due to the statutory regulations in California, insurers in Fontana are not allowed to determine their rates based on credit scores. Even if you have a poor credit score, your rates would not be higher like in most other states.

When you request a homeowners insurance quote in Fontana, you will need to provide some information about your home, including:

• Personal property value - This refers to the value of the belongings you include in your policy. Your insurer will use this information to come up with your personal property coverage limits.
• Home replacement cost - This is the amount of money that will be required to rebuild your damaged home and not its actual market value. Insurance carriers use the information to calculate your ideal dwelling coverage limits. You may need to engage a construction professional or building contractor to help you calculate this cost.
• Personal information - Some of the details you may need to provide about your home include the address, previous insurance information and number of occupants.
• House details - You may also need to state the size of your home and when it was built, as well as if it has any safety devices installed.

The base profile used in this research is a homeowner with a 2,500-square-foot home constructed in 2000. The policy features a dwelling coverage limit of $500,000, a personal property coverage limit of $200,000, liability coverage of $100,000 and a deductible of $1,000.

MoneyGeek ranked homeowners insurance rates in Fontana across 13 companies. The data was collected in partnership with Quadrant. MoneyGeek also obtained affordability scores across different coverage levels and obtained customer satisfaction scores from J.D. Power.