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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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

3401 Centrelake Dr Ste 560, Ontario, CA 91761 Rating

Review Sources

4.9 (142)
4.0 (4)
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

4320 Mills Cir # B, Ontario, CA 91764 Rating

Review Sources

4.4 (9)
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

202 W Holt Blvd UNIT C, Ontario, CA 91762 Rating

Review Sources

4.8 (68)
5.0 (4)
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

1630 East 4th Street, Ontario, CA 91764 Rating

Review Sources

4.0 (26)
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


  • 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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