Fontana Insurance Rates:

Fontana, CA home insurance is roughly $517 to $700, about $43-$58/month. Our exhaustive analysis reveals consumers can save upto $243 by getting different quotes

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Read Fontana, California Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Fontana Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $270/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $495,000

4 Beds, 4 Baths 3200 sqft Seasonal Residence Constructed In 1992 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $220/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1520 sqft Seasonal Residence Constructed In 1999 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $110/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

3 Beds, 3 Baths 1550 sqft Vacation Property Constructed In 2004 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $380/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 1570 sqft Rental Property Constructed In 2004 with Stone Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $210/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Baths 2350 sqft Primary Residence Constructed In 1982 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1010/9 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $450,000

4 Beds, 4 Baths 2344 sqft Primary Residence Constructed In 1952 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Fontana, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92336 $292,100 $620
92337 $242,700 $610
92335 $184,200 $600

Fontana Rates & Quotes Analysis:

Fontana Area Estimated House Insurance
S Ironwood Ave, Boca Raton Way, W Bohnert Ave, W Pinedale Ave, Citation Ave, Mindanao St, Bayleaf Ln, Riverside Outer Hwy E, Belleview Rd, Crocker Ct$614
Mt Baldy Rd E, Palm Leaf Ln, Saguaro Way, Birch Tree Pl, Hess Rd, Sun Glory Way, Cajon Blvd S, State Rte 2, Lassen St, Davis Ranch Rd$615
Messina Way, Sycamore Dr S, Rosewood Way, Fiddleleaf Rd, Orchid Ave, Redrock Ct, Green Vista Dr, Cilantro Ct, Ironwood Ave, Blue Lake Ct$598
Gretchen Ct, Cerritos St, Old Spring Rd, Paddock Ln, Cherrywood Dr, Raintree Ln, Knollwood Ave, Swarthout Cyn Rd, Lucero Dr, Florence Ln$617
Briarwood Ave, Fern St, Cone Peak Pl, S Fork Rd, Mint Ln, Alyssum Ct, Brewer Ln, Whirlwind Ln, Manitoba Dr, Manla Dr$617
Autumn Pl, Malaga Ave, Jackson Dr, Woodcrest Dr, Shetland Ln, Sorrel Ln, Marygold Ave, Dowd Ct, Los Cedros Ave, Pear St$623
Johnson Way, Sparrow Dr, Filbert St, Cerritos St, Fairfax Ave, Golden Ln, Via Bonita, Madrona Dr, Wiltse Ct, Armstrong Rd$611
Taconite Rd, Frankfort St, S Highland Ave, Barberry Ln, Chaparral Ave, Dolphin Cir, Arctic Dr, Taylor Ave, Andress Ave, Newcastle Ct$599
Cory Ct, Illinois Ct, Brianne Ln, Cougar Way, Shoreacres Ln, Silverwood Ln, Kerte Ln, Laura St, Hemingway Ct, Teak Ln$616
Kirsten Ct, Wisconsin Dr, Fontlee Ct, Begonia Dr, Madrona Ave, Olympia Ave, Lucena Ave, Macapa Rd, W Casa Grande Dr, McGregor Ct$610

Insurance rates are influenced by a number of factors including:

  • Year Built: 13,101 Homes (25% of total) built between 1980 to 1989 in Fontana are paying home insurance between $908-$917 and differs from Rancho Cucamonga (+$27), Jurupa (+$13), Upland (+$37), Rialto (-$15) and Bloomington (-$21).
  • Bedrooms: 15,139 4 bedrooms homes (30% of total homes ) in Fontana are paying about $378 and differs from Rancho Cucamonga (+$5), Jurupa (+$6), Upland (+$16), Rialto (-$6) and Bloomington (-$9).
  • Auto Insurance Bundling: 12,674 Households (38% of all households) in Fontana have 2 vehicles available and when it is bundled with home insurance you can save $121 and varies from Rialto ($119), Bloomington ($119), Rancho Cucamonga ($125).
  • Senior Discounts: 9,281 seniors (more than 55 years) occupied housing units (28% of total) in Fontana get discounts between $91 to $93 in contrast with Rialto ($89), Rancho Cucamonga ($94), Jurupa Valley ($90).
  • New Homes discounts: New homes such as the 26,475 homes built between 2000 to 2009 in Fontana can save $121 compared to Rialto ($119), Bloomington ($119), Rancho Cucamonga ($125).

Fontana Homeowners insurance Facts

  • Fontana, CA has 32,767 owner occupied houses which is 69.0% of all units whereas Rialto, Bloomington and Rancho Cucamonga have 62.38%, 74.22% and 65.76% respectively.
  • Fontana, CA homeowners yearly insurance price at $609 is 0.24% of the typical house value of $258,100 which is in contrast with 0.31% in Rialto, 0.34% at Bloomington & 0.17% in Rancho Cucamonga.
  • Homeowners in Fontana, CA pay 1.87% of their income ($30,000 to $34,999) in insurance whereas homeowners in Rialto, Bloomington and Rancho Cucamonga pay 1.84%, 1.83% and 1.93% respectively.
  • Fontana, CA’s insurance is 2.4% of monthly housing costs of $2,136/month, for owners with a mortgage compared to 2.86% in Rialto, 3.11% at Bloomington & 2.14% in Rancho Cucamonga. But, for households without a mortgage, insurance is 13.3% of costs ($381 in Fontana, CA) in contrast with 11.97% in Rialto, 14.13% at Bloomington & 10.01% in Rancho Cucamonga.

Fontana, CA Home Values & Insurance rates

For example, insurance for 7,833 Homes (26.0% of total homes ) valued between $300,000 to $399,999 in Fontana, CA is about $822. Rates in nearby areas in such as Rancho Cucamonga, Jurupa, Lytle Creek are cheaper by $239, $143, $51 respectively while Rialto and Bloomington are costlier by $250 and $362 respectively for similar homes.

Fontana, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,243 4.0% $54
$100,000 to $124,999 1,297 4.0% $255
$125,000 to $149,999 1,487 5.0% $322
$150,000 to $174,999 3,147 10.0% $377
$175,000 to $199,999 2,007 6.0% $438
$200,000 to $249,999 5,421 18.0% $529
$250,000 to $299,999 6,004 20.0% $645
$300,000 to $399,999 7,833 26.0% $822

Renters Insurance in Fontana

  • Average Renters Insurance in Fontana :  $181($15/month)

  • Median Gross Rent in Fontana :  $1,115

  • Fontana Renters Insurance to Median Rent Ratio:  1.35%

  • Renter occupied housing units in Fontana :  14,759

Fontana Renters Insurance as a Percentage of Rent

Fontana Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 216 1.0% $795
$300 to $499 257 1.0% $1245
$500 to $749 1,129 7.0% $1920
$750 to $999 3,832 26.0% $2670
$1,000 to $1,499 5,152 35.0% $3795
$1,500 or more 3,734 25.0% $5445

Rent Affordability in Fontana:

Approximately 54.0% (8,113) of households are spending more than 35% of their income on gross rent in Fontana

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 891 6.0%
15.0 to 19.9 percent 1,277 8.0%
20.0 to 24.9 percent 1,626 11.0%
25.0 to 29.9 percent 1,605 10.0%
30.0 to 34.9 percent 1,247 8.0%
35.0 percent or more 8,113 54.0%

Protective device discount in Fontana Up to :  $27

Claims-free discount in Fontana Up to :  $36

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