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Ontario, CA is growing rapidly with new developments and investment properties. Whether you live in your home or rent part of it out, having the right insurance structure is critical.
🔍 What’s Included?
- Dwelling
- Other structures
- Personal property
- Liability
- Loss of use
🔥 Local Risks
- 💨 Wind exposure
- 💧 Water damage
- 🏠 Rental/ADU exposure
- 🔥 Fire risk (varies by area)
💡 Special Tip for Ontario Homeowners
Many homeowners:
- Rent rooms
- Build ADUs
⚠️ If not disclosed → claims can be denied
💰 Cost & Coverage
- Rebuild cost: $200–$400+ per sq ft
- Liability: $300K–$1M+
❗ Mistakes to Avoid
🚫 Not disclosing rental use
🚫 No rental income coverage
🚫 Underinsuring property
🚀 Get a Quote in Ontario
👉 Text me at 714-867-7799 or call 714-893-7271
James CQ Banh – Starwest Insurance Services