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2025

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Best Homeowners Insurance Agencies in Ontario, CA

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Ontario homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

100Reviewed

61Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Ontario
3401 Centrelake Dr Ste 560, Ontario, CA 91761

Expertise.com Rating

Review Sources

Google
4.9 (142)
Yelp
4.0 (4)
Facebook
5.0 (3)

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.

  • Earthquake
  • Flood
  • Fire

Best Homeowners Insurance Agencies Serving Ontario
4320 Mills Cir # B, Ontario, CA 91764

Expertise.com Rating

Review Sources

Google
4.4 (9)
Yelp
3.0 (2)

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.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Ontario
202 W Holt Blvd UNIT C, Ontario, CA 91762

Expertise.com Rating

Review Sources

Google
4.8 (68)
Facebook
5.0 (4)
Yelp
5.0 (2)

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.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Ontario
1630 East 4th Street, Ontario, CA 91764

Expertise.com Rating

Review Sources

Google
4.0 (26)
Yelp
3.5 (7)

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.

  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Direct 2U Insurance
3401 Centrelake Dr Ste 560, Ontario, CA 91761
Save In Insurance
4320 Mills Cir # B, Ontario, CA 91764
Singular Insurance Services
202 W Holt Blvd UNIT C, Ontario, CA 91762
City Best Insurance Services
1630 East 4th Street, Ontario, CA 91764

Ontario, CA Homeowners Insurance Agency FAQs

  • 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.

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