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The Cheapest and Best Homeowners Insurance in Fontana

The Cheapest Home Insurance Companies in Fontana

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.

The Cheapest Home Insurance in Fontana, Ranked

Dwelling Coverage:


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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.

The Average Cost of Homeowners Insurance in Fontana for 2021


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.

Calculate the Cost of Home Insurance in Fontana

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.


Home Insurance Calculator



Dwelling Coverage






Personal Property





These are annual estimates. Get a personalized quote to determine your costs.


The Best Home Insurance Companies in Fontana

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.





User Satisfaction


Financial Stability

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Geek Quick Take

USAA ranks highly in Fontana due to its cheap cost and additional discounts in various circumstances. For instance, policyholders who are still in active service can get coverage for their damaged or lost uniforms with no deductible. You can also add home-sharing coverage to your package if you rent out a room or part of your home. In addition, you’ll pay lower monthly premiums if you have security systems installed in your home.

More About USAA

USAA received the highest scores across the affordability, customer satisfaction and financial stability categories. While the company provides comprehensive coverage across the state, it only serves current and former military members and their families.





User Satisfaction


Financial Stability

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Geek Quick Take

Allstate allows you to add Claim Rateguard in your coverage to ensure that your rates do not spike when you file a claim. Policyholders also receive a discount for remaining claim-free, even if they are switching from a different insurer. The cost of Allstate homeowners insurance policies also reduces by $100 for every year that you don’t file a claim, up to a maximum of $500.

More About Allstate

Allstate ranks as the second-best insurer in Fontana, with scores that are slightly lower than USAA. While many insurers do not provide flood damage as part of their coverage, an Allstate agent can assist you in purchasing the coverage through the National Flood Insurance Program.

State Farm
The Hartford
Universal North America

Cheapest Home Insurance Companies in Fontana for Newly Constructed Homes

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
The Cheapest Home Insurance in Fontana for New Homes, Ranked

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Cheapest Home Insurance Companies in Fontana if You Have a Lot of Personal Property

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
Cheap Companies in Fontana for Extra Personal Property Coverage

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Cheapest Home Insurance Companies in Fontana for High Deductibles

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
The Cheapest Companies in Fontana for High Deductibles, Ranked

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Cheapest Home Insurance Companies in Fontana if You Have Poor Credit

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.

Getting Online Homeowners Insurance Quotes in Fontana

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.
Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

Homeowners Insurance in Fontana Analysis: Methodology

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.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.