Fontana ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Fontana, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Fontana, CA is $1336. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Fontana, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Fontana, CA.
Coverage Level | Average Annual Premium |
---|---|
$100,000 | $534 |
$200,000 | $908 |
$300,000 | $1,122 |
$400,000 | $1,710 |
$500,000 | $2,151 |
Home insurance costs in Fontana can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
Zipcode | Average Insurance Premium |
---|---|
092336 | $1,274 |
92337 | $1,261 |
92335 | $1,248 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Fontana, CA, and how to choose the right one for your needs.
Deductible Level | Average Annual Premium |
---|---|
$500 Deductible | $1,370 |
$1000 Deductible | $1,225 |
$1500 Deductible | $1,156 |
$2500 Deductible | $1,042 |
$5000 Deductible | $882 |
Home Insurance Company Near Fontana, CA | Homeowners Insurance Agency Near Fontana, CA | Address |
---|---|---|
State Farm | Archie Escujuri | 908 E Puente St, Covina, CA, 91724-3210 |
State Farm | Bill Petersen | 23101 Moulton Pkwy Ste 103, Laguna Hills, CA, 92653-1234 |
Allstate | Eric Tryby | 39413 Los Alamos Rd Ste D, Murrieta, CA, 92563 |
State Farm | Karen Coombs | 592 N Azusa Ave, Covina, CA, 91722-3546 |
Travelers | Mills Insurance Services | 4281 KATELLA AVE STE 128, LOS ALAMITOS, CA, 90720 |
Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
---|---|---|---|
Rialto city, California | $89 | $119 | $179 |
Bloomington CDP, California | $89 | $119 | $179 |
Rancho Cucamonga city, California | $94 | $125 | $188 |
Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
---|---|---|
Fontana, CA | 2.4% | 13.3% |
Rialto | 2.86% | 11.97% |
Bloomington | 3.11% | 14.13% |
Rancho Cucamonga | 2.14% | 10.01% |
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 |
Streets in Fontana Area | Homeowners Insurance Cost |
---|---|
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 |
Place | Savings For Senior Occupied Homes |
---|---|
Fontana | $91 to $93 |
Rialto | $89 |
Rancho Cucamonga | $94 |
Jurupa Valley | $90 |
Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
---|---|---|---|---|
150000 | 500 | New | Oregon Mutual | 426 |
200000 | 500 | New | Horace Mann | 420 |
250000 | 1000 | New | Liberty Ins Corp | 500 |
250000 | 500 | New | Grange | 595 |
250000 | 500 | New | Liberty Ins Corp | 517 |
400000 | 1000 | New | Pacific Property And Casualty | 463 |
500000 | 1000 | New | Mercury Ins Group | 500 |
750000 | 2500 | New | Safeco | 1206 |
250000 | 500 | 1-3 Years | Amica Mutual | 650 |
400000 | 1000 | 1-3 Years | American Security | 1107 |
400000 | 1000 | 1-3 Years | Oregon Mutual | 887 |
750000 | 2500 | 1-3 Years | Hartford (Sentinel) | 2143 |
750000 | 2500 | 1-3 Years | Travelers | 1383 |
150000 | 500 | 4-6 Years | California Casualty | 497 |
150000 | 500 | 4-6 Years | Travelers | 477 |
200000 | 500 | 4-6 Years | Travelers | 564 |
250000 | 1000 | 4-6 Years | CSE Safeguard | 772 |
250000 | 1000 | 4-6 Years | Homesite | 775 |
250000 | 500 | 4-6 Years | Chubb/Federal | 1396 |
300000 | 500 | 4-6 Years | Mercury Ins Group | 555 |
300000 | 500 | 4-6 Years | Metropolitan Direct | 1391 |
400000 | 1000 | 4-6 Years | Horace Mann P & C | 1305 |
Low Deductible | High Deductible | |
---|---|---|
Deductible | $800 | $2,800 |
Yearly Fontana Homeowner Insurance Premium Example | $1,400 | $900 |
Out of Pocket Expense During Claim | $800 | $2,800 |
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $10,600 | $9,100 |
Net Savings to Fontana Home Owner from High Deductible Plan | $1,500 |
Scenario | Fontana, CA Home Replacement Value MORE than Home Value | Fontana, CA Home Replacement Value LESS than Home Value |
---|---|---|
Replacement Value | $276,000 | $151,000 |
Insurance Premium based on Replacement Value | $725 | $400 |
Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $64,500 | Risk Exposure from Under Insuring Coverage is $60,500 |
Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $150/year |
Insurance Company | Nationwide Insurance | Liberty Mutual | Farmers Insurance |
Monthly Premium | 51 | 42 | 97 |
Year Built | 1980 | 1994 | 2010 |
Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 4 Baths |
Coverage Amount | $200000-$250000 | $200000-$250000 | $600000-$700000 |
Deductible | $2500-$5000 Deductible | $5000 to $10,000 Deductible | $5000 to $10,000 Deductible |