Homeowners Insurance | Ontario, CA

Address: 1630 E. 4th St. Suite D Ontario California 91764

At City Best Insurance Services, we proudly serve Ontario, CA, and the surrounding areas by offering tailored insurance solutions to protect what matters most. Whether you're a first-time homebuyer or a longtime homeowner, we understand that your home is more than just a property—it’s where life happens. Our dedicated team is here to help you find the right homeowners insurance policy to safeguard your investment, providing peace of mind for you and your family.

Request A Quote

A white background with blue polka dots on it.

What is Homeowner’s Insurance?

Homeowner's insurance protects your home and belongings from unexpected disasters like fire, windstorms, and theft. The package policy also covers liability, protecting you if someone is injured on your property.

A wrench is holding a small house on top of a pile of money.

What Does a Standard Policy Cover?

Structure of Your Home – Covers repairs or rebuilding due to disasters like fire or hail. It doesn't cover floods, earthquakes, or regular wear and tear.
Personal Belongings – Items such as furniture, clothing, and electronics are covered in case of theft or damage.
Liability Protection covers legal costs and damages if someone gets hurt on your property.
Additional Living Expenses—This covers costs like hotel stays and meals if you can't live in your home due to damage.

A man is sitting at a table with a model house and stacks of coins.

A model house and keys are sitting on top of a clipboard next to a calculator.

Different Types of Policies

There are various homeowner’s insurance policies based on your needs:

HO-1, HO-2: Basic and limited coverage.
HO-3: The most popular option, covering a wide range of disasters.
HO-4: Renters insurance for protecting personal belongings.
HO-6: Condo insurance covers both your belongings and the structural parts of the unit.

Can I Own a Home Without Homeowner’s Insurance?

Legally, yes. But if you have a mortgage, your lender will likely require it to protect their investment. After the mortgage is paid off, maintaining coverage to protect your home is still a good idea.

Why You Should Take a Home Inventory

Creating a home inventory helps settle claims faster if you need to file one. It’s a simple way to document your belongings. You can:

Make a list with receipts and photos.
Use a video or audio recorder to describe your items.
Store this information in a safe place, such as a safe deposit box or cloud storage.

A woman is sitting at a table with a laptop and writing on a clipboard.

Cancellation vs. Non-renewal

Cancellation:

An insurer can only cancel your policy if you haven’t paid premiums or committed fraud, and this only applies after 60 days.

Non-renewal:

Either you or your insurer can decide not to renew your policy when it expires. If your policy is non-renewed, the company must notify you and explain the reason.