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.
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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:
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 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 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.