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2024

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Best Homeowners Insurance Agencies in Bakersfield, CA

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Bakersfield Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

197Reviewed

124Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1527 19th Street, Suite 410, Bakersfield, CA 93301
WebsiteLicense: 0B17355

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

James D. Miller Jr. Insurance Agency caters to families and individuals in Bakersfield and the surrounding areas. It is a local, multi-line brokerage firm that offers homeowners' insurance products. These policies protect the insured from financial difficulties when a house suffers a fire or natural disaster and needs rebuilding. The insurance also covers the replacement costs for personal possessions, additional living expenses, and injury liabilities. The agency has access to many carriers, such as Liberty Mutual, National General, and Kemper.

  • Renter's Insurance

8120 Rosedale Hwy, Ste 100, Bakersfield, CA 93312
WebsiteLicense: 0L73974

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
4.9 (22)
Yelp
5.0 (1)

Why choose this provider?

Saber Insurance Agency is a financial services company that serves clients in Bakersfield. The company provides homeowners' insurance solutions, and clients can opt for further protection through personal liability insurance. The firm also offers auto insurance services and helps clients with additional coverage options, including collision and medical payments coverage. Its other insurance solutions include farm, health, and life insurance. Sam Siador, the company's president, has spent more than 25 years in the insurance industry.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

200 New Stine Rd Ste 205, Bakersfield, CA 93309

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Yelp
5.0 (2)
Google
5.0 (1)

Why choose this provider?

Founded in 1984, Cal-Valley Insurance Services in Bakersfield sells home insurance throughout California as an independent insurance agency. Cal-Valley provides home insurance products that include protecting homeowners from fire, property damage, personal liability and injury, floods, theft and burglary, and plumbing problems. The company also offers commercial insurance for the trucking industry, commercial property, workmen's compensation, cyber liability, special events, and other insurance products. Additional services include personal insurance products such as for autos, condos, renters, watercraft, and pets. Cal-Valley Insurance Services partners with both personal and commercial insurance providers such as Allied Insurance, CIG, First American, Travelers, and CNA.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

2130 Chester Ave, Bakersfield, CA 93301

Expertise.com Rating

Why choose this provider?

Vision Insurance Planning Services is an insurance broker that offers home insurance for the Bakersfield, California, metro area. Founded in 1989, Vision Insurance provides a variety of different options in its home insurance productions, including plans specifically tailored for renters, vacation homes, first homes, and rental properties. The agency also offers a variety of commercial and personal insurance products, including auto, motorcycle, general and professional liability, and commercial property insurance. Vision Insurance Planning Services works with a variety of reputable insurance carriers, including Grange Insurance, The Hartford, Merced Property and Casualty Company, and Progressive.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

8200 Stockdale Hwy., Suite M10, Bakersfield, CA 93311

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (3)

Why choose this provider?

Bakersfield Insurance Agency caters to the needs of individuals, families, and businesses in the metro. It helps residents protect their dwellings with homeowners' insurance plans, which include repair costs, replacement costs, additional living expenses, and personal liabilities. It also designs insurance policies for renters, landlords, condominiums, and mobile homes. The agency's owner and broker, Lee Mayers, has been working as an insurance broker since 1989. His office represents various carriers, such as National General Insurance and Progressive.

  • Personal Property Insurance
  • Multiple Policy Types

1100 Mohawk Street, Bakersfield, CA 93309

Expertise.com Rating

Review Sources

Google
4.8 (17)
Yelp
5.0 (2)

Why choose this provider?

Abir M. Pulskamp is a homeowners' insurance agent for State Farm serving clients in and around Bakersfield. She and her office assess a client's house for possible dangers that could force unexpected repairs. They consider its location, number of residents, and contents. Pulskamp provides policy plans to cover weather damages, such as hail and strong winds. She can also customize plans to pay for medical liabilities and flooding. Abir's staff caters to clients that can speak English, Spanish, Tagalog, and Arabic.

  • Multiple Policy Types
  • Personal Property Insurance
  • Homeowners

400 H St, Bakersfield, CA 93304

Expertise.com Rating

Review Sources

Facebook
4.8 (32)
Google
4.5 (25)
Yelp
1.0 (1)

Why choose this provider?

Omega Financial and Insurance Services is an independent agency working for clients within the Bakersfield, California, metro area. It sells home insurance policies involving coverage for property, personal property, liabilities, and medical expenses, and it advises clients on the most appropriate coverage areas for their circumstances. They specialize in Commercial Insurance also: Contractors, retail, restaurants and non profits. Some of its other areas of expertise include flood and earthquake insurance and coverage for jewelry, which are areas not included in most standard policies. Omega Financial and Insurance Services is a full service agency and it provides consultation for auto and business insurance policies as well, offering umbrella coverage options as desired. They represent over 15 home insurance carriers: Includes, Travelers, Nationwide, Progressive & Aegis.

  • Renter's Insurance
  • Flood
  • Personal Property Insurance

2665 Calloway Drive, Suite 206, Bakersfield, CA 93312
WebsiteLicense: 0H36786

Expertise.com Rating

Why choose this provider?

Kelli Davis is an agent offering insurance products in Bakersfield. She encourages families to protect themselves with homeowners' insurance to cover losses and damages in case of unforeseen natural and man-made catastrophes. She also provides auto and business insurance. The one product she strongly recommends is life insurance because it safeguards the policyholder's children in the event of untimely death. She diligently educates parents on the importance of maintaining one for the sake of their kids.

  • Homeowners

2508 Niles Street, Bakersfield, CA 93306
WebsiteLicense: 0N05294

Expertise.com Rating

Review Sources

Google
3.8 (81)
Facebook
4.7 (9)
Yelp
1.0 (1)

Why choose this provider?

Oliver Insurance provides a homeowners' insurance policy for clients in Bakersfield that will pay to replace their personal property if it is damaged in a fire or other calamities. The policy also protects clients against lawsuits from guests who are injured while inside their homes. As an independent agency, Oliver Insurance offers comparative homeowners' insurance quotes from several insurance carriers, such as Dairyland and Infinity. Under the leadership of owner Shanty Mora, the agency is committed to establishing long-term relationships with its clients.

  • Homeowners

4801 Wilson Road, Bldg. A, Bakersfield, CA 93309
WebsiteLicense: 0i56033

Expertise.com Rating

Why choose this provider?

CA New Generation Insurance Services Inc. (NGI) is a full-service agency that caters to homeowners in and around Bakersfield. Founded in 2003, it examines home insurance policies for repair and liability coverage. The agency advises its clients on insurance plans for houses with checkered pasts, claim histories, and risk-prone locations. It also provides specialized coverage options for theft and fire damages. Furthermore, NGI offers custom insurance policies for vacant households and seasonal residences. Aside from homeowners insurance, it offers policy plans for automobiles and commercial spaces.

  • Renter's Insurance
  • Condos

418 Oak St, Bakersfield, CA 93304

Expertise.com Rating

Why choose this provider?

Garcia & Associates Insurance is an independent insurance agency for both personal and commercial needs that sells home insurance in Bakersfield, California. Since 1979, Garcia & Associates has been selling home insurance that protects against vandalism, fire, theft, injury on the property and other events, ensuring coverage options and premiums that work best for their clients. The company also offers insurance products for personal and commercial autos, commercial property, liability, health, life, and workers' compensation. Garcia & Associates Insurance offers a full range of insurance services for anyone from individual policyholders to large businesses.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

4939 Calloway Drive, Bakersfield, CA 93312

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Hay Insurance Agency, Inc., is a Bakersfield-based insurance company serving customers throughout Kern County and the Greater Los Angeles area for more than a century. The business offers insurance solutions for properties, renters, condos, mobile homes, landlords, and in-home businesses. Its professional team handles home insurance coverages tailored to the needs of customers and created to protect investments from a variety of damages and accidents. Hay Insurance Agency also has farm, auto, and life insurance products.

  • Renter's Insurance
  • Homeowners
  • Condos

324 Oak St Suite Q, Bakersfield, CA 93304
WebsiteLicense: 0D28316

Expertise.com Rating

Review Sources

Facebook
4.8 (14)
Google
4.6 (7)

Why choose this provider?

Tony Camarena Insurance Agency is a locally owned business that has been serving residential and commercial clients in Bakersfield and the surrounding communities for more than 15 years. It offers homeowners' insurance plans that protect residences and personal properties from vandalism, theft, fire, and flood. It also customizes life, health, and auto insurance coverages. The agency helps business owners in protecting themselves and their properties from lawsuits and damages. Led by principal Tony Camarena, the agency also caters to Spanish-speaking clients.

  • Homeowners

Attorney Information

Attorney NameBar StatusExperience
Tony Camarena - OwnerActive19 yrs

1400 Easton Drive Suite 132, Bakersfield, CA 93309
WebsiteLicense: 0J02968

Expertise.com Rating

Review Sources

Google
4.5 (11)

Why choose this provider?

MCA Insurance Services caters to individuals, families, and businesses in the Bakersfield metro and the surrounding communities. It offers homeowners' insurance policies, helping clients protect their properties and personal belongings. Also included in its line of products are auto, life, motorcycle, RV, builders' risk, and special events insurance plans. The firm works with various companies, such as Alliance United, Foremost, Progressive, and Safeco. MCA Insurance Services has been in operation for more than 20 years.

  • Multiple Carriers
  • Multiple Policy Types

312 H Street, Bakersfield, CA 93304
WebsiteLicense: 0K13715

Expertise.com Rating

Review Sources

Google
4.7 (33)
Facebook
5.0 (13)
Yelp
4.2 (5)

Why choose this provider?

Mike Alexander, a State Farm agent since 1992, provides a wide range of insurance products for the Bakersfield community and the surrounding areas. These products include homeowners' insurance, which covers the repair and replacement of a home in case of fire, theft, and other losses, as well as personal properties like appliances, furniture, and jewelry. In addition, Mike offers insurance options for auto, life, health, and business. He is available even for evening and weekend appointments.

  • Homeowners

2400 Brundage Lane, Bakersfield, CA 93304
WebsiteLicense: 0F82729

Expertise.com Rating

Review Sources

Google
3.6 (9)
Facebook
5.0 (1)

Why choose this provider?

Larry Canaday is an American National insurance agent based in Bakersfield with over 20 years of experience in the industry. He offers a variety of protection plans, including home insurance that covers the policyholder's dwelling, the belongings inside it, and other structures on the property such as sheds and garages. Canaday also provides policies that protect homeowners from identity theft. Additionally, he deals with life, auto, and farm insurance products.

  • Condos
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
James D. Miller Jr. Insurance Agency
1527 19th Street, Suite 410, Bakersfield, CA 93301
Saber Insurance Agency
8120 Rosedale Hwy, Ste 100, Bakersfield, CA 93312
Cal-Valley Insurance Services
200 New Stine Rd Ste 205, Bakersfield, CA 93309
Vision Insurance Planning Services
2130 Chester Ave, Bakersfield, CA 93301
Bakersfield Insurance Agency
8200 Stockdale Hwy., Suite M10, Bakersfield, CA 93311
mybakersfieldagent.net
1100 Mohawk Street, Bakersfield, CA 93309
Omega Financial And Insurance Services
400 H St, Bakersfield, CA 93304
Kelli Davis
2665 Calloway Drive, Suite 206, Bakersfield, CA 93312
Oliver Insurance
2508 Niles Street, Bakersfield, CA 93306
CA New Generation Insurance Services Inc.
4801 Wilson Road, Bldg. A, Bakersfield, CA 93309
Garcia & Associates Insurance
418 Oak St, Bakersfield, CA 93304
Hay Insurance Agency, Inc.
4939 Calloway Drive, Bakersfield, CA 93312
Tony Camarena Insurance Agency
324 Oak St Suite Q, Bakersfield, CA 93304
MCA Insurance Services
1400 Easton Drive Suite 132, Bakersfield, CA 93309
Mike Alexander
312 H Street, Bakersfield, CA 93304
Larry Canaday
2400 Brundage Lane, Bakersfield, CA 93304

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the average cost of homeowners' insurance in Bakersfield?

    The annual homeowners' insurance premium in Bakersfield averages around $828 as of 2021. Concurrently, the median home value in the city stands at $269,618. Bakersfield's insurance rates are notably competitive when compared to the statewide average. To potentially maximize your savings, it's advisable to inquire about rates from different agencies.

  • What information should you have ready when applying for an online homeowners' insurance quote in Bakersfield?

    When applying for an online homeowners' insurance quote in Bakersfield, it's important to prepare key information, such as your home's replacement cost for dwelling coverage, personal property value for property coverage, house details like age and security features (if there are any), and personal data including address and insurance history. Consulting professionals for accurate estimates and ensuring privacy on online quote websites is recommended.

  • Does homeowners' insurance in Bakersfield cover flood damage?

    No, standard homeowners' insurance usually doesn't cover flood damage. You'll need a separate flood insurance policy, which is especially relevant in flood-prone areas like Bakersfield. Securing flood insurance is highly recommended for homeowners in this region to protect their properties and possessions in the event of floods, which can cause extensive damage and financial loss not covered by regular insurance.

  • In Bakersfield, what are the limitations of what home insurance inspectors can do?

    Home insurance inspectors in Bakersfield are not permitted to force access to locked areas or assess areas with poor structural integrity. Inspectors prioritize safety and ethical standards. If an area or system is inaccessible due to security measures or structural concerns, they won't conduct inspections in those areas. Instead, they will document the reasons for their inability to access them in their report.

  • Who should consider getting dwelling fire insurance in Bakersfield?

    Dwelling fire insurance in Bakersfield is a wise choice for several groups of individuals, including landlords seeking to protect their property (but not its contents), property owners currently undergoing construction or renovation, those with homes of limited cash or historic value, and owners of vacation homes. This specialized homeowners insurance provides coverage for specific hazards such as explosions, vandalism, and storm damage, offering a customized protection solution.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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