Homeowners Insurance in Fontana-Protecting Your Biggest Investment

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Worried About Losing Your Home or Savings? We've Got You Covered.

Owning a home in Fontana or the Inland Empire means dealing with real risks-fire, theft, windstorms, or the occasional earthquake. Your house is likely your biggest investment, and Shaver Insurance's job is to make sure it stays protected. We understand the local landscape: wildfire dangers in the foothills, new developments in communities like Hunter's Ridge and Southridge, and the rising costs of rebuilding in San Bernardino County. Our team helps you sleep easier, knowing you have solid protection and a local agent ready to guide you through any claim or crisis.

What Does a Standard Home Insurance Policy Cover?

Dwelling Coverage

Protects the structure of your house-if fire damages your kitchen or a windstorm hits your roof, repairs are covered up to your policy limits.

Personal Property

Pays to replace belongings lost to theft, fire, or covered disasters, from furniture to electronics.

Liability

Covers legal and medical costs if someone is hurt on your property or if you accidentally cause damage to someone else's property.

Loss of Use

Pays for temporary living expenses if your home is uninhabitable after a covered loss.

Important: Standard home insurance does not include flood or earthquake coverage. Ask us about affordable, specialized policies (see Flood Insurance and Earthquake Insurance) to fill these gaps.

Personalize Your Protection-Every Home Is Different

Shaver's agents make sure your policy fits your real needs-insuring your home at the right rebuild cost for Fontana's current construction prices, and adding options for valuables like jewelry or electronics, sewer backup, or higher liability limits. If your home has unique risks (like an older roof or is in a brush area), we'll check your eligibility for the California FAIR Plan or surplus lines. We've helped clients in tough spots get coverage when other agencies couldn't.

Local Discounts & Savings-Because Home Insurance Shouldn't Break the Bank

Bundle your home and auto insurance to save up to 20%. Ask about discounts for fire alarms, security systems, new homes, and claims-free records. And with Shaver, you never pay broker or service fees-more of your premium goes toward true protection.

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Real People, Real Support-We're Here When You Need Us Most

With Shaver Insurance, you get more than just a policy-you get a dedicated advocate. From helping a family rebuild after a wildfire to guiding you through an unexpected claim, our agents are by your side every step. We provide annual coverage reviews, explain every detail, and keep surprises out of your policy.

See How Easy Protecting Your Home Can Be

Contact us for a free homeowners insurance review or quote. Whether you're a first-time buyer or long-time resident, you'll get honest answers, clear guidance, and the support of a trusted local agency.