Field-Waldo Insurance Agencies, Inc.
378 W Idaho Ave, Ontario, OR 97914
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Ontario 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.
378 W Idaho Ave, Ontario, OR 97914
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Ontario residents.
Ontario home insurance costs $1,200-$2,500 annually. Learn about earthquake coverage, Ontario Ranch rates, and how to protect your home in this growth market.
Yes, earthquake insurance is strongly recommended for Ontario homeowners. The city sits near major fault lines including the San Andreas and San Jacinto faults, placing it in a seismically active zone. Standard homeowners policies explicitly exclude earthquake damage, so without separate coverage, you'd pay out of pocket to repair or rebuild after a quake. California law requires insurers to offer you earthquake coverage every two years through the California Earthquake Authority or their own policy.
Auto insurance costs in Ontario vary significantly based on your driving record, age, vehicle type, and coverage limits. While California requires minimum liability coverage of 15/30/5, most drivers in Ontario should budget for higher limits given the heavy commercial traffic from the logistics industry. Your rates will also be affected by your credit score and the specific neighborhood where you park your vehicle. Comparison shopping among Ontario's local agencies can help you find competitive rates.
Homeowners in Ontario pay an average of $1,893 annually, slightly above the California average, due to several risk factors insurers price into policies. These include earthquake exposure from nearby fault lines, higher property crime rates compared to most California cities, and proximity to wildfire zones in the San Bernardino County foothills. The specific age and construction of your home, along with your claims history, also impact your individual premium.
Renters insurance is not legally required in California, but many landlords in Ontario include it as a lease requirement. Even if your landlord doesn't mandate it, renters insurance is highly recommended given Ontario's property crime statistics. For $15 to $30 per month, you get coverage for your personal belongings, liability protection if someone gets injured in your unit, and additional living expenses if your apartment becomes uninhabitable due to covered damage.
Both options have advantages, but a local Ontario agent offers significant value for most residents. Independent agents can compare quotes across multiple insurance carriers at once, understand Ontario-specific risks like earthquake exposure and local crime patterns, and provide personalized service when you need to file a claim. They're particularly helpful for complex coverage needs like bundling home and auto policies or navigating California's earthquake insurance options.
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