Ontario Insurance Rates:

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.

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Home Insurance Companies in Ontario, CA: Customer-Reviewed Options


Ontario, CA Homeowners Insurance Rates by Coverage Level

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


Ontario, CA Homeowners Insurance Rates by ZIP Code

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


Ontario, CA Homeowners Insurance Deductibles

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



Top Home Insurance Agents Near Ontario, CA

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

Ontario, CA Home Insurance Agents for Top Companies


Ontario, CA Auto & Homeowners Insurance Bundling Discounts

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


Ontario, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Ontario, CA2.3%11.0%

Ontario Renters Insurance as a Percentage of Rent

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

Cost Of Homeowners Insurance By Street Near Ontario, CA

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

Ontario, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ontario$93 to $95

Average Cost Of Home Insurance By Company In Areas Nearby Ontario For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewCalifornia Capital413
150000500NewFirst American Ins331
5000001000NewGeneral Ins613
1500005001-3 YearsNationwide434
25000010001-3 YearsBankers Standard2138
2500005001-3 YearsTravelers515
40000010001-3 YearsMetropolitan Direct1244
50000010001-3 YearsIntegon/National1090
50000010001-3 YearsMetropolitan Direct1373
50000025001-3 YearsPrivilege Underwriters Exch2006
2000005004-6 YearsStillwater Ins Co545
2000005004-6 YearsTokio Marine America410
2500005004-6 YearsOregon Mutual621
3000005004-6 YearsUnigard Group1301
40000010004-6 YearsIntegon/National960
50000010004-6 YearsIntegon/National1208
50000010004-6 YearsMAPFRE Group1271
50000025004-6 YearsIntegon/National1055
50000025004-6 YearsLiberty Ins Corp1025
2500005007-15 YearsBankers Standard2905
2500005007-15 YearsHomesite1169


Ontario, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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


Ontario, CA Home Insurance Costs With Home Replacement Value Scenarios

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


Example Ontario Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateLiberty Mutual
Monthly Premium 646565
Year Built 198620111998
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$300000-$350000$300000-$350000
Deductible $500- $1000 Deductible$500 Deductible$2500-$5000 Deductible