Updated: December 16, 2024
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In Fontana, California, Farmers is the overall best choice for home insurance. The best cheap provider is Allstate. If customer service is your priority, however, Chubb is best.
These companies meet different needs, so we recommend choosing based on what matters to you. Factors like budget, service quality, or specific coverage options play a role in your decision.
Best HomeInsuranceFontana, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Fontana.
Home insurance premiums in Fontana represent the latest available quotes as of September 2024.
Farmers is the best option for home insurance in Fontana, California, for $100K dwelling coverage, with a MoneyGeek score of 85 out of 100. The scores for home insurance companies in Fontana, California, range from 46 to 85, using MoneyGeek's scoring system. Insurers may get different scores based on your credit history or the age of your home.
| Farmers | 85 | $436 |
| Allstate | 83 | $435 |
| Travelers | 79 | $595 |
| Chubb | 76 | $774 |
| State Farm | 55 | $983 |
| Nationwide | 55 | $960 |
| Capital Insurance Group | 46 | $797 |
Farmers is the best option in Fontana, California, for $100K dwelling coverage. The two best overall home insurance companies in Fontana for $100K dwelling coverage are:
Farmers stands out as the best home insurance provider due to its balance of affordability and high customer satisfaction scores. In Fontana, California, there are many companies offering different cost and service experiences. While cost is crucial, also consider factors like customer service and claims processing.
Farmers scores high on affordability and satisfaction, making it the best overall company. It offers comprehensive home insurance with matching siding coverage and waiver of deductible for glass. Discounts like non-smoker discount and affinity help you save money. Non-smokers can qualify for lower premiums.
Farmers provides useful coverages like back-up of sewer or drain, which helps with repair costs if water enters your house. Guaranteed replacement cost covers extra costs if repairs exceed policy limits. Cyber event/ID theft reimburses costs for identity restoration. These coverages offer valuable protection for homeowners.
Chubb is the best option in Fontana, California, for home insurance with $100K dwelling coverage, thanks to its top-notch customer service. Here are the top two providers for $100K dwelling coverage:
Chubb stands out due to its strong customer satisfaction and comprehensive coverage options. These factors contribute significantly to its high MoneyGeek score. By choosing Chubb, you'll experience exceptional service and extensive protection for your home.
Excellent service in home insurance means having helpful and friendly support, easy claims processes, and great coverage options.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with coverages like guaranteed replacement cost and building ordinance or law.
You can save with discounts like new home and home renovation. For example, you get a discount if your home is 10 years old or less. Chubb also provides useful coverages like cash settlement, which helps if you decide not to rebuild after a loss. These options make it a great choice for homeowners.
Allstate is the best cheap option in Fontana, California, for 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Allstate stands out for its strong customer satisfaction, making it a top choice for those seeking quality service. Choosing cheap home insurance often means opting for lower coverage. Although it can help your wallet, it might not be enough if an accident happens.
In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. Best cheap insurance highlights the balance between affordability and coverage, not merely focusing on the lowest price.
Allstate is the best cheap company with high scores in affordability and satisfaction. You can save with discounts like responsible payment, which you get by having a good payment history.
Allstate provides useful coverages for homeowners. Home business property increases limits for business items at home. Energy efficiency upgrade covers replacing items with energy-efficient ones. Yard and garden increases limits for landscaping items.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Many factors affect homeowners insurance in Fontana; location is one key factor. Comparing rates is the best way to save money, though it can be time-consuming, taking up to 15 minutes per company.
You'll want to compare three or more, possibly requiring over an hour of research. Use MoneyGeek's home insurance calculator to save instantly. Enter your age, dwelling coverage, credit score, deductible, liability coverage and other details for a rate estimate.
Allstate is the best option for affordable home coverage. A key factor influencing home insurance premiums is the dwelling coverage you choose.
Allstate stands out because of its low premium and high score, making it the cheapest homeowner insurance in Fontana, California. It's both cost-effective and top-rated in its category. Buying cheap home insurance in California can ease financial management, and the cheapest homeowners insurance in California ensures better financial flexibility.
| Allstate | $435 |
| Farmers | $436 |
| Travelers | $595 |
| Chubb | $774 |
| Capital Insurance Group | $797 |
| Nationwide | $960 |
| State Farm | $983 |
Allstate is the cheapest option for high-value home insurance in Fontana, California. Homes with high replacement costs need ample dwelling coverage, which raises home insurance costs.
Allstate stands out in Fontana as the most affordable provider based on its low premiums, making it accessible for many homeowners. According to MoneyGeek, while Allstate is the most wallet-friendly, it also scores high in other areas.
| Allstate | $2,531 |
| Farmers | $3,044 |
| Travelers | $3,058 |
| Capital Insurance Group | $3,339 |
| Chubb | $4,592 |
| State Farm | $4,772 |
| Nationwide | $4,923 |
Farmers offers the cheapest home insurance for new homes in Fontana, California.
Farmers stands out as the cheapest home insurance provider in Fontana due to its affordable rates. It may also be the best choice based on additional factors, though it isn’t always top-ranked in overall evaluations.
| Farmers | $206 |
| Allstate | $301 |
| Travelers | $313 |
| Nationwide | $388 |
| State Farm | $491 |
| Capital Insurance Group | $518 |
| Chubb | $622 |
The best cheap homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Fontana depends on your needs. Consider factors like coverage limits, deductibles, and customer reviews. Follow these steps to get the best cheap home insurance.
To determine how much home insurance coverage you need, consider the specifics of your home in Fontana, California, including rebuilding costs and personal property value.
Look into insurance companies in Fontana, California. Focus on those with solid financial stability and positive customer reviews.
After identifying your coverage needs, compare home insurance quotes. In Fontana, California, premiums for $100K dwelling coverage range from $435 to $960 annually.
Inquire about potential discounts for bundling policies, having safety features or maintaining a claims-free history.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's affordable in case of a claim.
Enhancing security systems and installing robust locks can decrease your home's risk profile and potentially lower insurance costs.
A good credit score can impact your insurance rates in Fontana, California. Pay bills on time and minimize outstanding debt.
Consider combining your homeowners insurance with other policies like auto insurance for possible discounts.
The best cheap home insurance provider for you in Fontana depends on your coverage needs and budget. Get answers to some of the most common questions about best cheap insurance rates in Fontana, California.
The average cost of home insurance in Fontana, California, is $556 annually.
The cheapest home insurance company in Fontana, California, is Allstate, with an annual premium of $435.
The best home insurance in California for Fontana residents is provided by Farmers, with a MoneyGeek score of 85 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
