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Best Renters Insurance in Bakersfield, CA

Aug. 26, 2019, 5:03 p.m.

Renters insurance is an inexpensive policy safeguarding tenants from financial loss. You’ll want a provider offering multiple coverage options, easy-to-understand terms and efficient claims handling. Our partners at ConsumerAffairs researched the best renters insurance in Bakersfield so you have protection in the event of a fire, theft or accident at home.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. 23 ABC may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Bakersfield
Read More
Location
Serves residents in
Bakersfield, CA
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Bakersfield
Read More
Location
Serves residents in
Bakersfield, CA
(855) 522-3444
Farmers Insurance: Gary Been
Farmers Insurance: Gary Been
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.farmers.com/ca/bakersfield/gary-been
Location
2217 E St.
Bakersfield, CA 93301
(661) 322-9502
Allstate: Evan Evans
Allstate: Evan Evans
Features
  • M-Th: 8am - 5pm
  • F: 9am - 5pm
  • Closed Sun
  • agents.allstate.com/evan-evans-bakersfield-ca.html
Location
3939 Bernard St., Ste. 4
Bakersfield, CA 93306
(661) 872-5775
Omega Financial And Insurance Services
Omega Financial And Insurance Services
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • quoteomega.com/personal-insurance/renters-insurance
Location
231 H St.
Bakersfield, CA 93304
(661) 326-6870
Charpentier Insurance Services
Charpentier Insurance Services
Features
  • M-F: 9am - 6pm
  • Sat: 9am - 5pm
  • Closed Sun
  • charpentierinsurance.com
Location
525 H St
Bakersfield, CA 93304
(661) 322-1888
GEICO: Trenea Smart
GEICO: Trenea Smart
Features
  • M: 9am - 6pm
  • T-F: 9am - 7pm
  • Sat: 10am - 7pm
  • Closed Sun
  • geico.com/insurance-agents/california/bakersfield/trenea-smart
Location
2720 Calloway Dr., Ste. E
Bakersfield, CA 93312
(661) 431-1780
Hay Insurance Agency
Hay Insurance Agency
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • hayins.com/products/home-insurance/renters-insurance
Location
4939 Calloway Dr., Ste 104
Bakersfield, CA 93312
(661) 829-8933
Cost-U-Less Insurance Center
Cost-U-Less Insurance Center
Features
  • M-F: 9am - 7pm
  • Sat: 9am - 6pm
  • Closed Sun
  • costulessdirect.com/insurance-solutions-california/renters-insurance
Location
2641 Fashion Plz.
Bakersfield, CA 93306
(661) 735-1004
Nationwide: Rod Walthers
Nationwide: Rod Walthers
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • agency.nationwide.com/bakersfield-ca
Location
2601 Union Ave.
Bakersfield, CA 93305
(661) 633-9900

How to choose rental insurance in Bakersfield

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Whether you live in an apartment or rental home, don’t assume the landlord has you covered. If your personal belongings are damaged or stolen, or you’re legally responsible for an accident, you’ll need renters insurance for financial backup.

Renters insurance in Bakersfield has three main coverages:

  • Personal property, which pays for repairing or replacing your clothing, furniture, electronics and other possessions if they are damaged or stolen
  • Liability, which pays for injuries, property damage or legal fees in case you’re responsible for an accident
  • Additional living expenses, which pays for temporary costs of living if your rental becomes uninhabitable

There are many reasons why having renters insurance in Bakersfield is important. It covers losses resulting from fires — a constant concern among Californians — and theft, which is more common in Bakersfield than across the U.S.

Besides these two risks, renters insurance usually covers losses resulting from:

  • Lightning strikes
  • Windstorms
  • Vandalism
  • Water leaks
  • Vehicle or aircraft damage
  • Riots or explosions
  • Short-circuiting of electrical appliances

You’ll have some key decisions to make when you choose rental insurance in Bakersfield. Each type of coverage has a total limit the insurance company will pay out. Most renters choose at least $20,000 of personal property coverage and $100,000 of liability coverage.

Personal property coverage may have per-item limits, so if you have valuables like jewelry or expensive art, ask about additional coverage called scheduled property.

You also should consider paying a bit extra for replacement cost coverage for your personal property. If you have it, the insurance company will reimburse you the full cost of the item at today’s value. If you only have actual cash value coverage, your provider will factor in depreciation.

How much does renters insurance in Bakersfield cost?

The cost of renters insurance in Bakersfield depends on a bunch of variables:

  • The type of rental and the surrounding area
  • The coverage limits you choose
  • The deductible you choose
  • Replacement cost vs. actual cash value coverage
  • Your claims history

Most policies cost $17 - $24 per month. Insurers often have discounts if you bundle renters and auto insurance, have home safety features or enroll in auto-pay.

Read a policy carefully before signing up for renters insurance so you know what’s covered and how the claims process works. Ask about additional protection for flooding or earthquakes, which renters insurance doesn’t cover.

Policygenius

Policygenius

Policygenius is an independent, online broker that has helped over 4.5 million people shop for insurance. Use the company’s calculator tool to figure out the right limits, get clearly explained renters quotes and use secure payment to begin coverage. Add-ons are available, and discounts help lower your premiums. Customers like the user-friendly website and support from Policygenius experts.

EverQuote

EverQuote

EverQuote offers a free, quick and simple way to compare renters insurance in Bakersfield. Put in a bit of information about your rental, and within minutes you’ll get quotes from local agents. The company estimates it’s saved consumers over $2 billion on insurance costs over seven years. Reviewers like how easy it is to use EverQuote but mention a high volume of calls and emails from providers.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.