Updated: November 27, 2024
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In Rancho Cucamonga, California, Farmers is the overall best home insurance company, offering affordable protection at $427 annually. For customers prioritizing excellent service, Chubb excels.
These companies meet various needs. Choosing the best cheap home insurance depends on your individual needs, such as cost, customer service and coverage options.
Best HomeInsuranceRancho CucamongTable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to help us find the best homeowners insurance in Rancho Cucamonga.
Home insurance premiums in Rancho Cucamonga mirror the most competitive offers as of September 2024.
Farmers is the best option in Rancho Cucamonga, California, for 100K dwelling coverage, with a MoneyGeek score of 85 out of 100. The scores for home insurance companies in Rancho Cucamonga, California, range from 41 to 85. These figures reflect MoneyGeek's scoring system. Insurers may receive different scores based on their credit history, age of your home, etc.
| Farmers | 85 | $427 |
| Allstate | 83 | $431 |
| Travelers | 82 | $549 |
| Chubb | 77 | $774 |
| Nationwide | 56 | $960 |
| State Farm | 55 | $998 |
| Capital Insurance Group | 41 | $881 |
Farmers is the best option in Rancho Cucamonga, California, for $100K dwelling coverage. The two best overall home insurance companies in Rancho Cucamonga for $100K dwelling coverage are:
Farmers stands out as the best home insurance option because it excels in affordability and customer satisfaction, which are key contributors to the MoneyGeek score. In Rancho Cucamonga, California, choose from a range of providers with varied costs and services, but consider factors beyond cost, like service quality, for times when you need to make claims.
Farmers scores high on affordability and satisfaction, making it a top choice. It offers comprehensive home insurance with matching siding coverage and waiver of deductible for glass. Discounts like non-smoker discount and affinity help 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 from water damage. Guaranteed replacement cost covers extra expenses if repair costs exceed policy limits. Cyber event / ID theft reimburses identity restoration costs, offering peace of mind for homeowners.
Chubb offers the best customer service in home insurance in Rancho Cucamonga, California for $100K dwelling coverage. If you're looking for the top choices for this coverage amount, consider these two providers:
Chubb ranks as the best because it excels in customer satisfaction, providing prompt and helpful support whenever it's needed. Excellent service in home insurance includes quick claim processes and helpful customer support.
Chubb is the best for service quality, thanks to its high customer Satisfaction and Coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like new home and home renovation. If your home is seven or 10 years old or less, you qualify for the new home discount.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law covers bringing your home up to code after a loss. Cash settlement lets you choose not to rebuild and receive a cash payout instead.
MoneyGeek found that Farmers is the best option in Rancho Cucamonga, California, for affordable home insurance with 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Farmers stands out for its excellent customer satisfaction and affordability scores. Cheap home insurance often means getting lower coverage, which might save you money upfront but may not be enough if an accident occurs. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
Farmers is the best cheap company with a high MoneyGeek score, mainly due to its affordability. 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. Non-smokers can get lower premiums.
Farmers provides useful coverages like scheduled personal property, which helps replace belongings if damaged. Back-Up of sewer or drain helps with repair costs from water damage. Guaranteed replacement cost covers extra repair costs if construction prices rise.
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 Rancho Cucamonga, with location being one. Comparing rates is the best way to save, but it can take time—up to 15 minutes per company. Comparing three or more companies might take over an hour. MoneyGeek's home insurance calculator saves time by focusing on key factors. Enter your age, coverage, and more for a rate estimate.
Farmers is the best option in Rancho Cucamonga, California, with the lowest cost and a high MoneyGeek score. The choice of dwelling coverage significantly impacts home insurance premiums.
Farmers is the cheapest in Rancho Cucamonga despite not having the best score. While Allstate is most affordable for 250K and 500K coverage, it also receives higher scores, making it a reliable choice. Opting for the cheapest homeowners insurance in California aids in managing your finances effectively.
| Farmers | $427 |
| Allstate | $431 |
| Travelers | $549 |
| Chubb | $774 |
| Capital Insurance Group | $881 |
| Nationwide | $960 |
| State Farm | $998 |
Allstate is the best option in Rancho Cucamonga, California, for high-value homes. High dwelling coverage is necessary for homes that cost more to replace, affecting home insurance costs.
Allstate stands out as the cheapest due to its low annual premiums. According to MoneyGeek, while Allstate is the most affordable, it is also highly rated, making it a strong choice overall.
| Allstate | $2,495 |
| Travelers | $2,884 |
| Farmers | $2,949 |
| Capital Insurance Group | $3,690 |
| Chubb | $4,592 |
| State Farm | $4,844 |
| Nationwide | $4,923 |
Farmers offers the cheapest home insurance for new homes in Rancho Cucamonga, California.
Farmers stands out in Rancho Cucamonga for its low cost, making it the cheapest option for new homes, but it may not be the top choice according to other scores. It is important to be adequately covered.
| Farmers | $202 |
| Travelers | $284 |
| Allstate | $299 |
| Nationwide | $388 |
| State Farm | $499 |
| Capital Insurance Group | $572 |
| Chubb | $622 |
The best cheap homeowners insurance providers in Rancho Cucamonga, CA, balance quality and cost, offering great customer service and coverage with affordable premiums. Consider factors beyond premiums, like coverage options, deductibles, and provider reputation. Follow these steps to get the best cheap home insurance.
To determine how much home insurance coverage you need, consider factors specific to your home in Rancho Cucamonga, CA, such as rebuilding costs, personal property value, and liability requirements.
Look into insurance companies operating in Rancho Cucamonga, CA, focusing on those with strong financial stability and positive customer reviews.
Identify necessary coverages and compare home insurance quotes. In Rancho Cucamonga, CA, premiums for $100K dwelling coverage range from $427 to $960 annually.
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety features, or maintaining a claims-free history.
Opting for a higher home insurance deductible can reduce your premium, but ensure it is an amount you can manage if needed.
Adding security systems and sturdy locks can lower the risk profile of your home, potentially leading to reduced insurance costs.
Keep a good credit score as it can affect your insurance rates in Rancho Cucamonga, CA. Pay bills promptly and manage outstanding debt.
Consider bundling your homeowners insurance with other policies like auto insurance to achieve potential discounts and savings.
The best cheap home insurance provider for you in Rancho Cucamonga ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in the city.
The average annual home insurance premium in Rancho Cucamonga is $561.
The cheapest home insurance company in Rancho Cucamonga is Farmers, with an annual premium of $427.
The best home insurance in California for Rancho Cucamonga 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.
