Best & Cheapest Homeowners Insurance in Fontana, CA June, 2024

Fontana homeowners can enjoy the most budget-friendly homeowners insurance rates with Allstate, providing an average annual quote of $1,590.

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Updated: 05 May 2024
Written by
Bob Phillips
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In our thorough assessment of homeowners insurance providers in Fontana, CA, Allstate emerges as the most cost-effective option, with average annual rates of $1,590. However, it’s important to understand that the ideal insurer for you may vary based on your specific circumstances and needs.

For instance, if you have an older home, State Farm offers competitive rates of $1,922 per year, along with comprehensive coverage. On the other hand, if you own a newly built home, Allstate provides the most affordable solution at $1,147 per year.

For individuals with a history of claims, Nationwide presents an affordable and accommodating option at $1,942 per year. Additionally, if you have valuable personal property requiring protection, Nationwide stands out once again, offering extensive coverage at a reasonable rate of $1,881 per year.

Our detailed analysis at Insuranceopedia is designed to assist you in finding the perfect match for your homeowners insurance needs. By comparing customer ratings, analyzing personal experiences, and presenting comparison charts, we provide you with the necessary information to make a well-informed decision.

How much is homeowners insurance in Fontana, CA?

Allstate offers the most budget-friendly rate for homeowners insurance in Fontana, with an annual cost of $1,590.

As shown below, homeowners insurance rates in Fontana are higher than the national average. They also slightly surpass the average rates for the state of California.

Area Average Monthly Rate
National $1,820
California $2,008
Fontana $2,219

Understanding that insurance rates are not universal is crucial. They can vary greatly based on a wide range of factors.

Cheapest Homeowners Insurance in Fontana, CA

Cheapest Homeowners Insurance, Fontana, 2024

Our Methodology

To pinpoint the most budget-friendly home insurance rates in Fontana, we conducted an analysis using data from multiple home insurance review sites. Some of these sources gathered rates from public filings supplied by Quadrant Information Services. While our review accounts for an average of these rates, it's important to recognize that each company's rates change often and can vary based on individual situations. Additionally, our overall rating integrates my subjective opinion, informed by fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest homeowners insurance in Fontana, CA

Allstate is the standout choice for the most cost-effective homeowners insurance in Fontana, CA, providing an average annual rate of $1,590.

Company Annual Premium
Allstate $1,590
Nationwide $1,736
State Farm $1,899
AIG $2,281
Chubb $3,097

Your policy’s cost is impacted by factors such as where you live, the value of your home, and your claims history. Allstate offers a balanced blend of affordability and comprehensive coverage.

Cheapest Homeowners Insurance In Fontana If You Have an Older Home

State Farm offers the most affordable rates for individuals with older homes, averaging $1,922 per year.

Insurance Company Average Annual Premium
State Farm $1,922
Nationwide $2,165
AIG $2,740
Chubb $2,915

Older homes can present unique risks and maintenance challenges that may lead to higher insurance costs. However, State Farm provides competitive rates and comprehensive coverage designed to address the specific needs of older homes.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you have a newly constructed home, Allstate offers the most affordable solution, with an average annual rate of $1,147.

Insurance Company Average Annual Premium
Allstate $1,147
Universal North America $1,279
State Farm $1,358
Travelers $1,370
Farmers $1,846

Newly constructed homes typically require different coverage compared to older homes, and Allstate stands out in providing affordable policies tailored to these specific needs.

Cheapest Home Insurance In Fontana for a History of Claims

Homeowners who have a history of claims can find an affordable solution with Nationwide, which offers an average annual rate of $1,942.

Insurance Company Average Annual Premium
Nationwide $1,942
Farmers $2,109
Allstate $2,602
Chubb $3,121
Travelers $3,367

Having a history of claims can sometimes result in higher premiums as it may raise concerns for insurers. However, Nationwide believes in giving second chances and provides reasonable rates for individuals with past claims.

Cheapest Home Insurance Rates for Lots of Personal Property

If you own valuable personal property, Nationwide offers the most affordable rates, averaging $1,881 per year.

Insurance Company Average Annual Premium
Nationwide $1,881
State Farm $2,072
AIG $2,470
Farmers $2,789
Chubb $3,350

The more personal property you own, the higher your coverage needs, which can result in higher premiums. Nationwide provides comprehensive coverage at reasonable rates, ensuring that all your belongings are adequately protected.

Best Homeowners Insurance Companies in Fontana, CA

Choosing the right homeowners insurance isn’t just necessary—it’s a strategic choice. With Fontana’s diverse and unique homes, finding an insurance provider offering comprehensive coverage at competitive rates is crucial.

To streamline your decision-making, we’ve curated a list of the top homeowners insurance companies in Fontana, CA. These companies have been evaluated based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Explore our comparison chart below to discover the ideal match for your home insurance needs.

Company Annual Premium
Allstate $1,590
Nationwide $1,736
State Farm $1,899
AIG $2,281
Chubb $3,097
Travelers $2,071
Farmers $2,789
Hartford $3,261
MetLife $4,012

Average Home Insurance Rates by Zip Codes

Homeowners insurance rates in Fontana, CA can vary significantly based on the zip code. Here are tables showcasing rates for different zip codes in Fontana, along with the least and most expensive zip codes in the area for annual home insurance premiums.

ZIP Code Average Insurance Premium (Annual)
92331 $950
92334 $961
92344 $1.072
92377 $1,030
92392 $1,307
92335 $1,996
92336 $2,005
92337 $1,989

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
92331 $950
92334 $961
92344 $1.072
92377 $1,030

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
92392 $1,307
92335 $1,996
92336 $2,005
92337 $1,989

Average Home Insurance Rates in Fontana, CA by Deductible Amount

The deductible amount you select for your homeowners insurance policy significantly influences the premium rates in Fontana, CA. Here’s an overview of how average home insurance rates change based on different deductible amounts:

Deductible Amount Annual Rate
$500 $1,047
$1,000 $909
$1,500 $853
$2,000 $782
$5,000 $644

Average Home Insurance Rates in Fontana, CA By Coverage Amount

A key factor that impacts your premium is the dwelling coverage amount, which refers to the maximum your insurance will pay to rebuild or repair your home if it’s damaged or destroyed.

Let’s explore a comparison chart that shows the average annual premiums for homeowners insurance across different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $786
$250,000 $997
$300,000 $1,143
$350,000 $1,358
$400,000 $1,772

Average Home Insurance Rates in Fontana, CA by Company

Below is a comparison chart displaying the yearly premiums offered by leading providers in Fontana:

Company Annual Premium
Allstate $1,590
Nationwide $1,736
State Farm $1,899
AIG $2,281
Chubb $3,097
Travelers $2,071
Farmers $2,789
Hartford $3,261
MetLife $4,012

How Much is Homeowners Insurance for Other Cities in California?

Here’s a detailed comparison chart that outlines the cheapest companies and their annual premiums across various cities in California.

City Annual Premium
San Francisco $2,084
Oakland $1,830
Fremont $1,865
Los Angeles $2,613
San Diego $1,736

Getting Online Homeowners Insurance Quotes in California

Platforms like Insuranceopedia make it easy to find the right coverage for your unique needs. By providing quick online quotes from top-rated insurers, Insuranceopedia allows you to compare rates effortlessly.

Just enter your information, and we’ll take care of the rest, providing you with a range of options tailored to your needs. This helps you choose a policy with confidence, ensuring the best value while balancing cost and comprehensive coverage.

FAQs

Who has the cheapest home insurance in Fontana, CA?

Allstate provides the most cost-effective homeowners insurance in Fontana, California, with an annual premium of $1,590.

What is the average cost of home insurance in Fontana, CA?

On average, homeowners insurance in Fontana, California, costs approximately $2,219 per year.

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