American Pro Insurance
8550 Sierra Ave, Fontana, CA 92335
Business PolicyGeneral LiabilityWorkers Comp
Loading...
City directory
Fontana households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
8550 Sierra Ave, Fontana, CA 92335
16946 Red Tail Ln, Fontana, CA 92336
View this agency's profile to learn more about their services.
10641 Mulberry Ave, Fontana, CA 92337
View this agency's profile to learn more about their services.
16153 Foothill Blvd, Suite 202, Fontana, CA 92336
View this agency's profile to learn more about their services.
17080 Foothill Blvd, UNIT D, Fontana, CA 92335
View this agency's profile to learn more about their services.
17080 Foothill Blvd D, Fontana, CA 92335
View this agency's profile to learn more about their services.
Fontana, CA, Fontana, CA 92335
View this agency's profile to learn more about their services.
17480 Arrow Blvd Suite, #20, Fontana, CA 92335
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Fontana residents.
Fontana home insurance costs average $1,700/year. Learn about earthquake coverage, wildfire risk zones, and finding affordable protection in San Bernardino County.
Car InsuranceFontana auto insurance averages $172/month for full coverage. Learn about California's new 30/60/15 minimums and find the cheapest rates in your ZIP code.
General Insurance EducationComplete Fontana insurance guide covering auto, home, and life insurance rates, local factors affecting premiums, and money-saving tips for Inland Empire residents.
No, standard homeowners insurance policies in California explicitly exclude earthquake damage. You need to purchase separate earthquake coverage through the California Earthquake Authority or a private insurer. Given Fontana's location in Southern California earthquake country, this additional coverage is worth considering even though it's not required by most lenders.
Home insurance costs in Fontana vary widely based on your home's value, location, and coverage choices. San Bernardino County homeowners with mortgages paid a median of $1,700 annually in 2024, though individual premiums can range from under $1,000 to over $5,000 depending on risk factors. Homes near the foothills with elevated wildfire risk typically pay more than homes in lower-risk areas.
If standard insurers decline to cover your home—often due to wildfire risk or claims history—you can apply for the California FAIR Plan, the state's insurer of last resort. While FAIR Plan coverage tends to be more expensive and offers more limited protection than standard policies, it ensures you can meet lender requirements. You can then supplement the FAIR Plan with additional coverage from private insurers for personal property and liability.
Yes, standard homeowners insurance policies cover fire damage, including damage from wildfires. However, insurers have become more selective about writing policies in high-risk fire zones near the foothills. California's new regulations now require insurers to gradually increase coverage in wildfire-prone areas, which should improve availability for Fontana homeowners in higher-risk zones.
Your dwelling coverage should reflect your home's replacement cost, not its market value. With construction costs ranging from $350-$450 per square foot in Southern California, a 2,000-square-foot home could cost $700,000-$900,000 to rebuild even if you paid $632,000 to buy it. Get a professional replacement cost assessment and ensure your policy includes inflation guard or extended replacement cost coverage to account for rising construction costs.
Possibly. California's Sustainable Insurance Strategy allows insurers to use forward-looking catastrophe models and factor in reinsurance costs when setting rates, which may lead to gradual rate increases as pricing better reflects actual risk. However, these changes should also encourage more insurers to write policies in the Inland Empire, potentially increasing competition and coverage options over time.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network