Expertise.com

Best Homeowners Insurance Agencies in Ontario

2024

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Providers

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Website
1630 East 4th Street, Ontario, CA 91764
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Earthquake
  • Condos
  • Renter's Insurance

Why choose this provider?

City Best Insurance Services is an independent insurance agency serving individuals, families, and businesses in Ontario for more than two decades. The agency works closely with clients to identify their needs and help them find the best homeowners' insurance solutions. These solutions provide protection to homes against loss or damage caused by fire, hurricanes, or other natural disasters. The agency also covers repair and rebuilding costs, personal possessions, liabilities, and additional living expenses in case properties are unlivable.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.0 / 5 (26)
Yelp
3.5 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
202 W Holt Blvd UNIT C, Ontario, CA 91762
  • Multiple Policy Types

Why choose this provider?

Singular Insurance Services is a local homeowners insurance agency that serves the residents of Ontario and the surrounding areas. Its team of licensed insurance professionals helps clients in getting competitive home quotes from various insurance providers including Alliance United Insurance, Infinity Insurance, Progressive Insurance, and Safeway Insurance. Aside from homeowners insurance, they also offer assistance in other types of insurance such as auto insurance, life insurance, and medical insurance. Singular Insurance Services also provides tax preparation and filing services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (68)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3401 Centrelake Dr Ste 560, Ontario, CA 91761
  • Earthquake
  • Flood
  • Fire

Why choose this provider?

Direct 2U Insurance is a homeowners insurance agency serving Ontario families and individuals. Its agents possess the knowledge and expertise to guide clients in selecting the most appropriate insurance policy that suits the value of their home and possessions. They have access to an extensive network of insurance providers, including Bristol West, National General, and Aegis. The company also offers supplemental insurance policies to help clients prepare for damages caused by natural calamities such as earthquakes and floods.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (142)
Yelp
4.0 / 5 (4)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1435 S. Grove Ave, Ste # 7, Ontario, CA 91710
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Tri-Con Insurance Services, Inc. provides personal and commercial insurance coverages for residents and business owners in areas around Ontario. Under personal insurance coverages, the company offers a range of homeowners insurance policies. These policies include property coverage, personal property protection, liability, medical expenses coverage, and living expenses coverage. The agents are proficient in offering expert advice on which specific policy best suits a client's situation and needs. The company represents different carriers as an independent insurance agency.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Yelp
4.5 / 5 (11)
Google
3.1 / 5 (8)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4320 Mills Cir # B, Ontario, CA 91764
  • Multiple Policy Types

Why choose this provider?

Save In Insurance is an insurance broker based in Ontario. It has a homeowners' insurance package that covers both property damage and personal liability. The same package covers fire and most natural disasters, except for damage caused by flooding, earthquake, or poor maintenance. It offers flood and earthquake coverage separately. The firm also offers packages for renters, condo, mobile home, and specialty home insurance. Save In Insurance has been serving California residents for more than 20 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.4 / 5 (9)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • In Ontario, is it possible to own a property without homeowners' insurance?

    In Ontario, it is acceptable to own a property without having homeowners' insurance. However, your lender will probably insist that you obtain homeowners' insurance coverage if you purchased your house and paid for it with a mortgage. This is necessary to safeguard a lender's investment in your home in the event that it burns down or sustains significant damage from a hurricane, tornado, or other natural disaster.

  • What qualities should you check before purchasing house insurance in Ontario?

    Guaranteed replacement cost is among the most crucial features to look for when purchasing house insurance in Ontario. This assessment considers how much it would cost to completely reconstruct your house in the case of a total loss. Given that water has been the leading source of property damage for homeowners in recent years, water damage and sewage backup coverage are also crucial factors when looking for home insurance.

  • What is the distinction between home insurance policy cancellation and non-renewal in Ontario?

    In Ontario, insurance firms are not allowed to cancel a policy once it has been in effect for over 60 days unless you are behind on your premium payments, you have committed fraud, or you made materially false statements on your application. On the other hand, when the policy ends, you or your insurance provider can opt not to renew it. If the insurance provider initiates the non-renewal, they must notify you and justify the decision before canceling your coverage.

  • What should you do if an Ontario insurance provider refuses to make upfront payments for a contractor's overhead and profit?

    You should push back and claim your rights if an Ontario insurance company refuses to make any upfront payments. All contractors are known to charge overhead and profit or O&P, often at rates of 10% and 10%. If you have a written agreement to rebuild, it is improper for your insurance carrier to defer payment of O&P under a replacement cost policy until your house is fully repaired.

  • Are claims for home-based businesses in Ontario covered by homeowners' insurance?

    In Ontario, home-based business claims are not covered by homeowners' insurance. This makes it crucial for home-based company owners to obtain insurance that satisfies their demands. General liability insurance for potential losses or injuries, as well as property insurance that might pay for repairs to a business owner's house, are some popular business insurance coverages.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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