Ontario ,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 Ontario, 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 Ontario, CA is $1358. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Ontario, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Ontario, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $543 |
| $200,000 | $923 |
| $300,000 | $1,141 |
| $400,000 | $1,738 |
| $500,000 | $2,186 |
Home insurance costs in Ontario 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 |
|---|---|
| 091761 | $1,272 |
| 91762 | $1,269 |
| 91764 | $1,264 |
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 Ontario, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,392 |
| $1000 Deductible | $1,245 |
| $1500 Deductible | $1,175 |
| $2500 Deductible | $1,059 |
| $5000 Deductible | $896 |
| Home Insurance Company Near Ontario, CA | Homeowners Insurance Agency Near Ontario, CA | Address |
|---|---|---|
| Liberty Mutual Independent | Carroll L Evans Insurance | 5211 HIGHLAND VIEW AVE, LOS ANGELES, CA, 90041 |
| State Farm | Gary Blackburn | 23881 Via Fabricante Ste 506, Mission Viejo, CA, 92691-3139 |
| Travelers | Mills Insurance Services | 4281 KATELLA AVE STE 128, LOS ALAMITOS, CA, 90720 |
| State Farm | Susie Atwood | 5624 E 2nd St, Long Beach, CA, 90803-3904 |
| Travelers | White & Company Insurance Inc | 3130 WILSHIRE BLVD STE 200, SANTA MONICA, CA, 90406 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Montclair city, California | $76 | $101 | $152 |
| Chino city, California | $78 | $103 | $155 |
| Upland city, California | $79 | $105 | $158 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Ontario, CA | 2.3% | 11.0% |
| Montclair | 2.89% | 15.84% |
| Chino | 2.17% | 11.05% |
| Upland | 2.27% | 11.29% |
| Ontario Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 627 | 1.0% | $786 |
| $300 to $499 | 884 | 1.0% | $1236 |
| $500 to $749 | 2,880 | 4.0% | $1911 |
| $750 to $999 | 9,694 | 15.0% | $2661 |
| $1,000 to $1,499 | 26,212 | 42.0% | $3786 |
| $1,500 or more | 21,336 | 34.0% | $5436 |
| Streets in Ontario Area | Homeowners Insurance Cost |
|---|---|
| Goldenridge Pl, Duke St, Galasso Ave, Alpine Meadows Ave, Bobcat Ln, Juanita Ct, W Granada Ct, Seminole Cir, N Himalayas Dr, Vining St | $622 |
| Orvieto Ct, Norte Vista Dr, N Cucamonga Ave, Ginger Ct, N Placer Privado, Indigo Ave, Catena Dr, Kirby Ct, S Austin Way, Champion St | $627 |
| Thorpe Ct, Forest Meadow Dr, Hollyoak Dr, Grovewood Pl, Reales St, Adams Ct, Linden Ln, Old Carbon Canyon Rd, Florence Ave, Gymsheridan Way | $621 |
| Gordon Ranch Rd, Bouquet Dr, Bandera St, Laurel Ct, Reid Ave, Muirfield Ave, Eastview Ave, Redhill North Dr, Madre Pl, Equine Pl | $623 |
| Evergreen Ct, Serenity Trl, Fairlane Pl, Durazno Ave, E California St, N Milliken Ave, Honey Bee Ln, Reales St, Cll Primavera, Roanoke Rd | $621 |
| Cherry Ct, Sheridan Way, Treadwell Ct, Danville Dr, Baylor Ave, San Clemente Way, Rustic Brg, S Hope Ave, Norwick St, Tern St | $627 |
| Villanova Ave, Cherokee Ct, Portsmouth St, Cll Barcelona, Cherry Dr, W Alps Dr, Starstone Pl, Stanislaus Ct, Northampton Dr, Twilight Pl | $665 |
| Lindbergh Ave, 26th St, E County Rd, Reserve Pl, Sequoia Ct, Cobblestone Ln, Hunter Dr, Hinsdale Pl, Gala Ln, Issac Ct | $624 |
| Taft Ave, Blanchard Pl, Faraday Ct, Seven Pines Dr, Chesapeake Dr, Isabelita Ct, Purdue St, Arturo St, Gettysburg Ave, Dover Way | $622 |
| Osprey Ct, Mountain Gate Rd, Lodgepole Ct, W Monticello St, Chesapeake Ct, W Deodar St, Ashbrook Dr, Little Oak Dr, E Sanderling St, San Juan Way | $622 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Ontario | $93 to $95 |
| Montclair | $91 |
| Chino | $93 |
| Upland | $95 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | California Capital | 413 |
| 150000 | 500 | New | First American Ins | 331 |
| 400000 | 1000 | New | Grange | 817 |
| 500000 | 1000 | New | General Ins | 613 |
| 750000 | 2500 | New | Amco | 972 |
| 150000 | 500 | 1-3 Years | Nationwide | 434 |
| 250000 | 1000 | 1-3 Years | Bankers Standard | 2138 |
| 250000 | 500 | 1-3 Years | Travelers | 515 |
| 400000 | 1000 | 1-3 Years | Metropolitan Direct | 1244 |
| 500000 | 1000 | 1-3 Years | Integon/National | 1090 |
| 500000 | 1000 | 1-3 Years | Metropolitan Direct | 1373 |
| 500000 | 2500 | 1-3 Years | Privilege Underwriters Exch | 2006 |
| 200000 | 500 | 4-6 Years | Stillwater Ins Co | 545 |
| 200000 | 500 | 4-6 Years | Tokio Marine America | 410 |
| 250000 | 500 | 4-6 Years | Oregon Mutual | 621 |
| 300000 | 500 | 4-6 Years | Unigard Group | 1301 |
| 400000 | 1000 | 4-6 Years | Integon/National | 960 |
| 500000 | 1000 | 4-6 Years | Integon/National | 1208 |
| 500000 | 1000 | 4-6 Years | MAPFRE Group | 1271 |
| 500000 | 2500 | 4-6 Years | Integon/National | 1055 |
| 500000 | 2500 | 4-6 Years | Liberty Ins Corp | 1025 |
| 250000 | 500 | 7-15 Years | Bankers Standard | 2905 |
| 250000 | 500 | 7-15 Years | Homesite | 1169 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $3,900 |
| Yearly Ontario Homeowner Insurance Premium Example | $1,100 | $600 |
| Out of Pocket Expense During Claim | $1,900 | $3,900 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $9,600 | $8,100 |
| Net Savings to Ontario Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Ontario, CA Home Replacement Value MORE than Home Value | Ontario, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $469,000 | $317,000 |
| Insurance Premium based on Replacement Value | $1,450 | $975 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $105,500 | Risk Exposure from Under Insuring Coverage is $46,500 |
| Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $325/year |
| Insurance Company | Amica Mutual Insurance Company | Allstate | Liberty Mutual |
| Monthly Premium | 64 | 65 | 65 |
| Year Built | 1986 | 2011 | 1998 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $300000-$350000 | $300000-$350000 |
| Deductible | $500- $1000 Deductible | $500 Deductible | $2500-$5000 Deductible |