Learn how to find affordable homeowners insurance in Fontana.
Once a rural and agricultural town, Fontana boomed during World War II, becoming an industrial hub known for the Kaiser Steel plant. Today, the city is home to 214,547 residents. You can visit the renovated Art Deco Center Stage theater, the Steelworkers’ Auditorium, the Auto Club Speedway, or explore the San Gabriel Mountains.
Fontana has a lower cost of living than neighboring California hot spots, but at 125.6, its cost of living index is above the national average of 100. That makes it all the more important to find affordable California home insurance.
Fontana home insurance costs $1,094 on average with Kin. That’s very competitive considering the median home price in Fontana is $400,100, meaning replacement costs skew higher in this area.
As you shop for insurance, remember not to sacrifice coverage for the sake of saving a little money. The few dollars you’ll save now won’t be worth being underinsured when it’s time to file a claim. We use thousands of data points to offer just the right amount of coverage – no more, no less.
Averages give you a ballpark impression of what your insurance may cost, but the only way to know for sure what you’ll pay is to get a quote. Your quote reflects your home’s unique characteristics: its age, size, exact location, construction, and safety features. That can make your premium higher or much lower than the average.
Our HO3 policies cover you and your home. You can see a summary of your coverage on your policy’s first page (the declarations page). All our policies offer:
You can also customize your policy with endorsements. Think of these as mini-policies that make your coverage fit just right. For example, you might want to add on water backup coverage if you’re worried about water damage from overflowing sump pumps or public service lines.
Natural disasters are a major concern for Fontana homeowners. You have to be prepared for wildfires, floods, and earthquakes. While your homeowners insurance covers a lot of events, it doesn’t cover some major natural disasters. Let’s learn how your policy responds to some of Fontana’s biggest risks.
Fontana is no stranger to wildfires. The hot dry open space near Fontana puts structures and residents at risk. Recently, in July 2020, the Karen Fire burned 277 acres near Fontana. For residents who live close to open space, getting homeowners insurance can be difficult or expensive.
Luckily, all our policies include wildfire insurance to help repair your home, belongings, and other structures when they’re damaged by fire, smoke, or internal explosion.
According to the city of Fontana’s website, floods are common here. Even though Southern California is in the midst of a major drought, it can still flood in the lowlands where drainage is poor and the ground isn’t prepared to absorb a lot of water in a short period of time.
Only flood insurance covers water damage from floods, rising waters, and storm surges, but you can easily add it to your policy.
In 2020, Fontana had more than 700 tremors. Most of these were small and did no damage. But they serve as a reminder that the area is prone to shakers and it’s just a matter of time before a big one strikes.
Homeowners insurance doesn’t cover damage from earthquakes, but earthquake insurance does. Just ask us for a quote!
The safer your home is, the lower your insurance costs will be. We offer easy home insurance discounts for:
If you don’t mind covering a little more out of pocket during a claim, you can save even more by increasing your deductible. Just make sure you only take on a deductible you could cover on short notice because losses happen with little notice.
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