Best and Cheapest Renters Insurance in Fontana, CA (Sept 2024)


Updated: September 13, 2024

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Nationwide is the best renters insurance company in Fontana, California, with a MoneyGeek score of 93 and an average annual premium of $116. Capital Insurance Group is the cheapest provider, with a MoneyGeek score of 89 and an annual premium of around $98. The best and cheapest quotes are based on $20,000 in personal property coverage.

The best homeowners insurance provider should balance customer service with affordability. Depending on your needs, Travelers is best for service quality, with an average annual premium of $153. MoneyGeek also looked into the best and cheapest renters insurance in California for those who live elsewhere in the state.

MoneyGeek Logo IconBest & CheapestRentersFontana, CA
2024

Table of Contents

Why Trust MoneyGeek? To determine the best renters insurance in Fontana, California, we evaluated data from the California Department of Insurance and Quadrant Information Services.

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Renters insurance premiums in Fontana represent the most competitive estimates as of September 2024.

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Fontana, CA

Nationwide is the best renters insurance provider in Fontana, California, with a MoneyGeek score of 93 out of 100 and an average annual premium of $116. These are the top two best renters insurance providers in Fontana for a policy with $20,000 in personal property coverage, $100,000 in personal liability and a $1,000 deductible:

  • Nationwide: MoneyGeek score of 93 out of 100 ($116 per year)
  • Allstate: MoneyGeek score of 87 out of 100 ($110 per year)

Nationwide has perfectly balanced customer satisfaction and affordability, with an affordability score of 51 out of 55.

Company logo for Nationwide
Best OverallNationwide
MoneyGeek Score:
93/ of 100

Overview

Nationwide ranks first in coverage in Fontana, California, with an average annual premium of $116. It offers protection against credit card forgery, covering unauthorized transactions on your credit cards and bank debit/ATM cards, as well as forged checks and counterfeit money. Its theft from vehicles coverage extends protection to your personal belongings stored in or on any motor vehicle, trailer or watercraft, ensuring your valuables are safeguarded even when on the move.

Best Renters Insurance in Fontana, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score93Annual Premium$ 116
AllstateMoneyGeek Score87Annual Premium$ 110
TravelersMoneyGeek Score86Annual Premium$ 153
State FarmMoneyGeek Score85Annual Premium$ 144
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 98
FarmersMoneyGeek Score72Annual Premium$ 177
ChubbMoneyGeek Score61Annual Premium$ 260

Cheapest Renters Insurance in Fontana, CA

In Fontana, California, Capital Insurance Group offers the cheapest renters insurance, with an average annual premium of $98 for $20,000 in personal property coverage. These are the top two cheapest providers in Fontana for $20,000 in personal property coverage and a $1,000 deductible, with MoneyGeek's rating having minimal consideration on customer service:

  • Capital Insurance Group: $98 per year
  • Allstate: $110 per year

Personal property coverage helps protect your belongings, such as furniture, electronics and clothing, against damages or theft. Cheap renters insurance policies often come with low personal property coverage limits. While higher coverage limits can increase your monthly costs, they offer better protection if you own many valuable items.

Cheapest Renters Insurance in Fontana, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score92Annual Premium$ 116
AllstateMoneyGeek Score90Annual Premium$ 110
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 98
State FarmMoneyGeek Score83Annual Premium$ 144
TravelersMoneyGeek Score82Annual Premium$ 153
FarmersMoneyGeek Score69Annual Premium$ 177
ChubbMoneyGeek Score49Annual Premium$ 260

Cheapest Renters Insurance With a High Deductible in Fontana, CA

Capital Insurance Group offers the best and cheapest renters insurance in Fontana, California, for a policy with $20,000 in personal property coverage and a $2,000 deductible at an average annual premium of $76. The following providers are the top options in Fontana for higher deductible policies:

  • Capital Insurance Group: $76 per year
  • Nationwide: $91 per year

A deductible is the amount you pay out of pocket before your insurance policy kicks in. Opting for a higher deductible usually results in cheaper insurance premiums. It's important to find a balance that suits your financial situation to ensure you can afford the premiums and any out-of-pocket costs that may arise if you need to file a claim.

Cheapest High Deductible Renters Insurance in Fontana, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 76
NationwideMoneyGeek Score93Annual Premium$ 91
AllstateMoneyGeek Score83Annual Premium$ 110
TravelersMoneyGeek Score87Annual Premium$ 124
State FarmMoneyGeek Score80Annual Premium$ 142
FarmersMoneyGeek Score68Annual Premium$ 173
ChubbMoneyGeek Score61Annual Premium$ 240
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HOW TO SET YOUR DEDUCTIBLE

Choose a deductible you can comfortably pay out of pocket if you need to make a claim. Opting for a higher deductible can lower your premium and save you money overall while still providing the coverage you need.

Best Renters Insurance for Customer Service in Fontana, CA

Travelers is the best renters insurance company for service quality in Fontana, California, with an average annual premium of $153. The following providers are the top two best in Fontana, California, for a policy with $20,000 in personal property coverage for those who value great customer service without considering affordability.

  • Travelers: MoneyGeek score of 96 out of 100 ($153 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($116 per year)

Excellent customer service is important for renters looking for insurance because it ensures a smooth experience when making a claim. You will appreciate having a supportive insurer who helps you navigate the claims process efficiently. MoneyGeek scores renters insurance providers and their customer satisfaction based on J.D. Power surveys, which evaluate customer experiences in the context of renters insurance.

Company logo for Travelers
Best Service QualityTravelers
MoneyGeek Score:
96/ of 100

Overview

In Fontana, California, Travelers ranks first in customer satisfaction and coverage, making it the top choice for renters. Its average annual premium is $153. The company offers contents replacement cost coverage, which reimburses you for the replacement cost of personal property without depreciation deductions. Valuable items insurance protects high-value items like jewelry and fine art from various losses, allowing you to add higher coverage limits without needing appraisals.

Best Renters Insurance for Service Quality in Fontana, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 153
NationwideMoneyGeek Score95Annual Premium$ 116
ChubbMoneyGeek Score93Annual Premium$ 260
State FarmMoneyGeek Score86Annual Premium$ 144
AllstateMoneyGeek Score77Annual Premium$ 110
FarmersMoneyGeek Score77Annual Premium$ 177
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 98

Best Renters Insurance for High Personal Property Limits in Fontana, CA

For renters in Fontana, California, requiring extensive personal property coverage, Nationwide offers the best option at an average annual premium of $354 for $100,000 in coverage. For $100K in personal property coverage, the following providers are the top two best in Fontana:

  • Nationwide: MoneyGeek score of 93 out of 100 ($354 per year)
  • Travelers: MoneyGeek score of 92 out of 100 ($381 per year)

Renters with a substantial number of possessions often need higher personal property coverage, which safeguards against loss or damage to items like furniture, electronics and clothing. While higher coverage levels typically come with increased costs, it is crucial to select a provider that offers both affordability and exceptional service. Keep in mind that high-value items such as jewelry or art may exceed standard coverage limits and could necessitate additional protection.

Company logo for Nationwide
Best High Personal Property LimitNationwide
MoneyGeek Score:
93/ of 100

Overview

Nationwide ranks first in Fontana for renters with expensive homes, offering affordability and high customer satisfaction. Its average annual premium is $354. The company provides valuable coverages like credit card forgery and theft from vehicles. Credit card forgery covers unauthorized transactions on your cards, and theft from vehicles protects personal belongings stored in your vehicle.

Best Renters Insurance for High Personal Property Limits in Fontana, CA
NationwideMoneyGeek Score93Annual Premium$ 354
TravelersMoneyGeek Score92Annual Premium$ 381
State FarmMoneyGeek Score89Annual Premium$ 385
AllstateMoneyGeek Score87Annual Premium$ 336
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 301
FarmersMoneyGeek Score78Annual Premium$ 467
ChubbMoneyGeek Score61Annual Premium$ 796
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SCHEDULED PERSONAL PROPERTY COVERAGE

If you own valuables such as fine jewelry or art, you would need additional coverage as these items are not usually covered by standard policies. Opt for a provider that offers scheduled personal property coverage, which extends coverage to such valuables.

Best Renters Insurance for Military Families in Fontana, CA

In Fontana, USAA is the winning company, exclusively serving those with military backgrounds. These are the top two best providers in Fontana for military members for a policy with $20,000 in personal property coverage:

  • USAA: MoneyGeek score of 100 out of 100 ($202 per year)
  • Nationwide: MoneyGeek score of 93 out of 100 ($116 per year)

USAA offers various products tailored to those with a military background, providing discounts and coverages that suit the military lifestyle. Although other insurers may have lower premiums, USAA's specialized offerings make it a better overall choice for service members in most cases.

Company logo for USAA
Best for MilitaryUSAA
MoneyGeek Score:
100/ of 100

Overview

USAA is the premier renters insurance provider for those with a military background in Fontana. With an average annual premium of $202, the company leads in customer satisfaction and offers the most comprehensive coverages. USAA's policies include coverages like contents replacement cost, which may cover the cost of a new item if the old one is stolen or damaged. Worldwide personal property coverage benefits military members, ensuring their belongings are protected when deployed or residing abroad.

Best Renters Insurance for Military in Fontana, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 202
NationwideMoneyGeek Score93Annual Premium$ 116
AllstateMoneyGeek Score87Annual Premium$ 110
TravelersMoneyGeek Score86Annual Premium$ 153
State FarmMoneyGeek Score85Annual Premium$ 144
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 98
FarmersMoneyGeek Score72Annual Premium$ 177
ChubbMoneyGeek Score61Annual Premium$ 260

Average Cost of Renters Insurance in Fontana, CA

The average cost of renters insurance in Fontana, California, is $151 annually or about $13 per month. This rate is higher than the California state average of $148 and the national average of $145. These rates are based on a renters insurance policy with $20,000 in personal property limits, $100,000 in liability limits and a $1,000 deductible.

Remember that the average cost of renters insurance in Fontana may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings in case of damage or theft. Use the calculator below to see how much coverage you need based on the value of your personal property.

Personal Property Coverage Calculator

When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.

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Factors That Impact Renters Insurance Costs in Fontana

The cost of renters insurance in Fontana, California, is influenced by multiple factors, including the location of the rental property and the amount of coverage desired. Understanding these variables is key to finding a policy that fits your budget and needs.

  • Location: The area where you live can affect your premium due to crime rates and weather-related risks.
  • Coverage Amount: Opting for higher coverage limits will increase your insurance costs.
  • Deductible: Choosing a higher deductible can lower your monthly premium, but you'll pay more out of pocket in case of a claim.
  • Claims History: Renters with a history of claims may face higher premiums due to a higher perceived risk by insurance companies.
  • Credit Score: Insurance companies may factor in your credit history when determining your premium, with better credit records often leading to lower costs.

What Renters Insurance Covers in Fontana, CA

Renters insurance covers personal belongings, liability protection and additional living expenses. It protects against unexpected events like theft, fire or natural disasters. Renters insurance provides financial security, helping you avoid significant out-of-pocket expenses. Here’s a breakdown of what renters insurance covers:

  • Personal Property Coverage: This protects your belongings against damage or theft. For instance, if your apartment in California is burglarized, this coverage would help replace stolen items.
  • Personal Liability Coverage: This protects against legal liability for injuries or property damage to others. If a guest slips and falls in your California rental, this coverage could help with medical expenses and legal fees.
  • Loss of Use Coverage: This covers additional living expenses if your rental becomes uninhabitable. For example, if a fire damages your California apartment, loss of use coverage could pay for a hotel stay and other necessary expenses.
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COMMONLY COVERED PERILS

Renters insurance typically covers losses from incidents like theft, fire and water damage. Understanding your policy's specific coverage is key to ensuring you're protected. Here are common situations renters insurance covers:

  • Fire or lightning
  • Windstorm or hail
  • Explosions
  • Riots
  • Aircraft
  • Vehicles
  • Smoke damage

What Renters Insurance Does Not Cover in Fontana

Renters insurance in Fontana does not cover everything; it typically excludes damage from earthquakes and floods. Below is a list of common exclusions:

  • Earthquake Damage: Renters insurance generally does not cover damage caused by earthquakes.
  • Flood Damage: Standard policies usually exclude flood damage, requiring separate flood insurance.
  • High-Value Items: Expensive items like jewelry may not be fully covered without additional riders.
  • Pest Infestations: Damage from pests such as termites or rodents is typically not covered.
  • Roommate Property: Your policy may not cover the belongings of roommates.

FAQ: Renters Insurance in Fontana, CA

The best renters insurance provider in Fontana, California, depends on your unique needs. We answered the frequently asked questions to help you make an informed decision.

How much is renters insurance in Fontana, California, on average?
What is the cheapest renters insurance company in Fontana, California?
What is the best renters insurance company in Fontana, California?
Do I need renters insurance in Fontana, California?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.