Best cheap homeowners insurance in Fontana

Fontana home insurance protects your financial future in the event that your home or personal property is damaged by vandalism, extreme weather, falling objects, and other factors. You also have liability coverage as a homeowner. For a policy covering $250,000 of dwelling coverage, the average home insurance cost in Fontana is $1120 per annum.

Fontana residents are at risk from wildfires, earthquakes, and other hazards. California was the site of six of the most costly earthquakes in America between 1980 and 2020. We researched dozens of California-based home insurance companies and found the best ones.

Fontana’s best home insurance company

Our research shows that Nationwide, Mercury, State Farm and State Farm are the top home insurance companies in Fontana. These providers are distinguished by offering lower-than-average premiums, reliable coverage options and generous discounts. They also have strong third-party ratings that improve customer satisfaction and financial strength.


USAA is a highly-rated insurance company. To get USAA home insurance, you have to be a member of the military. Fontana residents who are eligible for USAA may take advantage of their extremely low rates, excellent customer service, and comprehensive coverage.

Each USAA home insurance policy provides identity theft insurance and coverage for military uniforms. USAA also covers personal property at replacement cost value. You can save money with USAA home insurance by bundling policies, not having to file claims, or installing a security system in your home.


Mercury, an insurance company based in Los Angeles, understands the unique risks Fontana homeowners face. Mercury provides affordable home insurance coverage with an average premium only $588 per year. The company also offers a variety of discounts and endorsements that can be added to your protection.

Mercury allows you to customize your policy with identity theft insurance, valuables insurance or extended replacement cost coverage. This covers up to 150% of the dwelling insurance limit for rebuilding your home after a covered loss. Mercury can help you save money by bundling policies, living in a gated community and having your home constructed with fire-resistant materials.

State Farm

With almost 18% market share, State Farm is the biggest home insurance company in America. State Farm is well-known for its reliable coverage and low rates. Fontana’s average State Farm premium is $778 per annum. You can save money by bundling policies, installing an impact-resistant roof, or adding a security system to your home.

State Farm is a great option for Fontana homeowners because it has great online resources that will help you determine how much insurance you need and what coverage you may require if you’re shopping for home insurance.


Fontana residents who are looking for discounts can choose Progressive as their home insurance company. Progressive offers standard savings on policy bundles and protection devices for your home. However, there are discounts for enrolling in paperless billing and paying your premium in full, getting a quote in advance and for insuring a new house.

Progressive does not sell personal injury or water back coverage as an endorsement. Progressive has a unique advantage in that it works with a nationwide contractor group, which can help you find professional repairs at a lower price after a claim.

All over the country

Although Nationwide was the most expensive provider, its average home insurance rates were still lower than Fontana’s. Nationwide also offers great discounts such as savings on protective devices, claims-free, living in a gated community or having previous insurance.

Fontana homeowners may choose Nationwide if they want to add endorsements to their home insurance policy. You can buy water backup/sump pumps coverage, valuables coverage and replacement cost coverage. Flood insurance, earthquake insurance, identity theft insurance are all options.

Fontana home insurance options

Most common perils Fontana homeowners are covered by standard home insurance policies . There are some perils that aren’t always covered. You might also consider optional coverages to fill in gaps in your insurance coverage. These coverages may not be required in every situation, but they can give you additional security. These are optional home insurance policies that Fontana residents may find beneficial:

  • Earthquake insurance. Regular home insurance policies do not cover earthquakes. A separate earthquake insurance policy might be a good idea. This policy covers your home’s structure and personal property in the event of an earthquake.
  • Flood insurance is not covered by standard home policies. You will need a separate flood insurance policy to protect your home and personal property from flood damage caused by storm surges, flash flooding, or heavy rains. This can be purchased through insurance companies or the National Flood Insurance Program.
  • Insurance for valuable items: If you have expensive items, such as jewelry, fine art, or collections, it is worth looking into personal property coverage. A standard home insurance policy covers valuable items at a low level, so it might not cover all your expensive items.

Fontana home insurance discounts

Fontana home insurance companies offer discounts that could help you to get a lower premium. Pay attention to the companies with multiple discounts when you’re comparing home insurance providers. These are the most common Fontana discounts:

  • Discounts for homeowners who aren’t liable for any insurance claims in the past may be eligible for a discount on their home policy. This discount is usually only available to customers who have been with the insurance company for a specific period.
  • Discount for protective devices: Many insurance companies will offer a discount if you have fire alarms or security systems in your home.
  • Discount for new homes: Insuring a home that has been built recently can help you to get a lower insurance rate.
  • Bundling discounts for policies: Insurance companies often offer generous discounts if you have both your vehicle and home insured with the same company. Sometimes, bundle discounts are available with other types insurance.

Questions frequently asked

Which is the best company for home insurance?

Every homeowner will find the best home insurer that suits their needs. It all depends on where you live, your budget and what kind of coverage you need. Bankrate’s research shows that the top-rated companies include USAA, Lemonade and Travelers. However, you may find a better provider for your needs.

What is the cost of Fontana’s home insurance?

Fontana’s average home insurance cost is $1,120 annually for a policy that covers $250,000 of dwelling coverage. Every homeowner will pay a different rate depending on their ZIP code and age, condition, claim history, policy limits, and deductible.