Home Insurance in Bakersfield, CA

Learn how to find affordable homeowners insurance in Bakersfield.

Finding Homeowners Insurance in Bakersfield, California

Bakersfield, California, is the perfect place to lay down roots. It’s the right mix of affordability, proximity to the great outdoors, and good school districts. Plus, it’s full of hidden gems – did you know there’s a Frank Lloyd Wright-designed house here? It’s a private residence, so no public tours. It’s the only California Wright structure that can’t be spotted from the street.

But the risks in Bakersfield are well known. Between wildfires and earthquakes, homeowners have to prepare for the worst, and that can make buying home insurance in California difficult. Luckily, it doesn’t have to be. With Kin, Bakersfield homeowners can get insured in minutes.

Bakersfield Home Insurance Costs

The average cost of homeowners insurance in California is $1,211 a year, but Bakersfield homeowners enjoy much lower rates – $621 a year on average with Kin. You can see how competitive our prices are below.

Average Bakersfield Home Insurance Premiums by Company

Kin Allstate Travelers
$621 $519 $546

Remember, your rates may vary depending on your home’s age, size, construction, and safety features. Your claims history can impact your premium, too. The best way to know what you’ll pay for coverage is to get a quote.

What Bakersfield Home Insurance Covers

While some insurance companies may cut coverage to cut costs, we never do. Every Kin HO3 policy includes:

You can also customize your coverage with endorsements – think of these as mini policies that add on extra coverage to fit your lifestyle.

Big Risks for Bakersfield Homeowners

While your homeowners insurance policy can cover fires, vandalism, windstorms, internal water damage, and theft, standard policies don’t cover floods and earthquakes. Bakersfield homeowners who want that protection will need to add on that coverage.

Bakersfield Wildfire Coverage

Bakersfield is surrounded by open space. Thanks to California’s historic drought and an abundance of dry brush, this open space can catch fire with the smallest of sparks. Yet nearly 1.2 million homes are being built in some of the highest wildfire risk zones that exist in California. Many of these homes will be unable to get traditional homeowners insurance because of their wildfire risk.

That said, all Kin policies include wildfire insurance, so that’s one less thing to worry about as you plan for your home’s fire safety.

Bakersfield Flood Insurance

Bakersfield is a good drive from the closest beach, but its lakes and drainage systems make it prone to floods. If Lake Isabella’s dam fails, there could be significant flooding in the area. Unfortunately, a standard home insurance policy doesn’t cover damage from floods and rising water.

But we can easily add on flood insurance to make sure your home is protected for whatever comes your way.

Earthquake Coverage in Bakersfield

In 2016, 96 earthquakes with a magnitude of 2.0 or higher were recorded within four days in the Salton Sea in Bakersfield. The area’s high seismic activity keeps residents wondering when the next big one will happen. They’ll need earthquake insurance to protect them when it does.

To add on earthquake insurance, just ask us. This covers your home, other structures, and belongings if there’s an earthquake. You also get loss of use, debris removal, demolition, and building code upgrade coverage.

Tips for Lower Bakersfield Home Insurance Costs

While Bakersfield enjoys super affordable premiums, we think you should get as many discounts as possible. We offer homeowners insurance discounts for:

  • Smart home safety and security devices.
  • Secure communities.
  • Electronic policies.
  • Ember resistant venting.
  • Annual brush removal contract.
  • LEED-certified homes.
  • New homebuyers.

Reducing claims is a big help in reducing premiums. You might even increase your deductible to deter yourself from making smaller claims. Another perk: higher deductible fetch lower premiums.

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