2024
Last updated:
Our Recommended Top 6
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Our goal is to connect people with the best local professionals. We scored Bakersfield Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
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Providers
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Featured Provider
License: 0G06046
(89)Why choose this provider?
Elizabeth Cardenas caters to the insurance needs of renters and condo owners in Bakersfield. She leads an agency staffed with insurance specialists who bring more than 19 years of combined experience in the business. Working with State Farm, Elizabeth offers several insurance options that cover losses from accidents, vandalism, theft, and weather impacts. The coverage also helps insurers compensate for liabilities such as damages on someone else's property and injuries incurred by guests in the rental home.
- Multiple Policy Types
License: 0K13715
Why choose this provider?
Mike Alexander leads a State Farm agency in Bakersfield. He guides clients through the process of obtaining renters' insurance policies. He also offers assistance to those seeking to secure their homes, businesses, automobiles, and commercial properties. Additionally, Mike delivers life insurance options, health insurance coverages, flood and earthquake insurance packages, workers' compensation, and annuities. With more than 20 years of experience as an insurance agent, he works with his clients to identify insurance policies that match their goals.
- Multiple Policy Types
License: 0393293
Why choose this provider?
Omega Insurance is an independent agency that strives to protect individuals and families renting residential properties in Bakersfield. Its renters' insurance policy provides coverage for a variety of options, such as stolen or damaged personal properties and liability coverage for accidents that occur in the rental properties. In addition, other types of packages, including home, health, auto, business, and workers' compensation insurance, are available. The company provides each client with a team of professionals working together to address every insurance concern.
- Multiple Carriers
License: 0L86767
Why choose this provider?
Founded in 2005, Omni Safe Insurance is an independent agency serving clients in Bakersfield and the nearby communities. It provides renters' insurance policies that cover losses caused by thefts, natural disasters, accidental damages, and lawsuits. It also offers other types of personal insurance plans such as home, auto, recreational vehicle, camper van, umbrella, and homeowners' insurance. In addition, Omni Safe Insurance crafts general liability, commercial property, unemployment, disability, and workers' compensation insurance packages for businesses.
- Multiple Carriers
- Multiple Policy Types
License: 0L33869
Why choose this provider?
No DMV Lines is an independently owned business that has been offering registration services and auto insurance to individuals, families, and businesses for almost 15 years. It also provides other packages, such as home insurance, renters' insurance, health insurance, and life insurance in Bakersfield and the neighboring areas. Clients have praised its insurance agents for providing easy and fast services. In order to cater to a diverse pool of clients, No DMV Lines is a team of English and Spanish speakers.
- Multiple Policy Types
License: 0G38901
Expertise.com Rating
Review Sources
- 4.0 (47)
- Yelp
- 3.0 (5)
Why choose this provider?
Charpentier Insurance Services, Inc., is an insurance agency that has been serving clients in Bakersfield and the surrounding areas for more than four decades. The agency helps bridge the gap from a landlord's standard policies since its renters' insurance protects clients against liability claims and covers losses to personal possessions in the rented property. Charpentier Insurance Services also handles different insurance options such as life, automobile, and motorcycle. It partners with different insurance companies such as Travelers and MetLife.
- Multiple Carriers
Compare our Top Renter's Insurance Companies
| Name | Expertise Rating | Address | Promotions | Learn more |
|---|---|---|---|---|
| Elizabeth Cardenas | 5201 California Avenue, Bakersfield, CA93309 | View More | ||
| Mike Alexander | 312 H Street, Bakersfield, CA93304 | View More | ||
| Omega Insurance | 400 H Street, Bakersfield, CA93304 | View More | ||
| Omni Safe Insurance | 3401 Pacheco Road, Bakersfield, CA93313 | View More | ||
| No DMV Lines | 1310 Chamberlain Avenue, Bakersfield, CA93305 | View More | ||
| Charpentier Insurance Services, Inc. | 525 H Street, Bakersfield, CA93304 | View More |
FAQs
How much does renters’ insurance in Bakersfield cost?
In Bakersfield, renters' insurance plans range from $17 to $24 monthly. Several factors influence monthly premiums, including deductibles, coverage limits, and rental property types. Combining renters' and auto insurance policies enables policyholders to access discounts offered by insurance providers. Renters can also ask agents or carriers about additional protection against flooding or earthquakes.
Which events or items are not covered by renters’ insurance in Bakersfield?
Standard renters' insurance plans available in Bakersfield do not provide coverage for flood-related damage. To protect their rented property against flooding, renters can obtain additional insurance through the National Flood Insurance Program. Also, renters' insurance policies do not cover items or events such as car theft, earthquake damage, or roommates’ possessions.
Does renters’ insurance cover the families of Bakersfield residents?
Yes, family members residing with tenants in a Bakersfield rental property are eligible as named insured individuals in renters' insurance policies. The term "named insured" includes the resident spouse and resident relatives. To extend coverage to other people, renters can augment their policies with additional personal property and liability coverage.
Does renters’ insurance cover roof leaks in Bakersfield?
Renters’ insurance in Bakersfield covers personal property damage caused by a leaking roof but not the actual roof leaks. This insurance also covers personal liability, medical expenditures due to emergencies, and living expenses when a rental home becomes uninhabitable. Landlord insurance is responsible for covering structural property damage, including roof leaks.
Are Bakersfield tenants covered by their renters’ insurance policies if they are traveling or away from home?
Yes, because most renters' insurance policies in Bakersfield offer off-premises coverage. This provision ensures that items outside the policyholders' rented residences are protected against the same perils outlined in their policies. However, some insurers may limit off-premises theft coverage to 10% of the total personal possessions insurance amount.
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