Kern County Insurance Rates:

Kern County, CA homeowners insurance is about $505 to $684, about $42-$57/month. Our extensive analysis indicates shoppers can save upto $238 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find the Cheap Homeowners Insurance in Kern County, CA

The average cost of homeowners insurance in Kern County, CA, is $639. Homeowner's insurance safeguards your home against financial loss from a covered peril such as fire, vandalism, or theft. Home insurance in Kern County plays a crucial role in protecting your home, garage, and other possessions in case of damage or loss.

While determining your home insurance rates in Kern County, CA, home insurance companies look at several factors. These include the age of the home, location, deductible, claim history, materials used, and others. Insurers also consider special attributes such as a swimming pool or trampoline on the property and potential safety features installed to protect your home.

VHome has explored the factors influencing the cost of home insurance in detail.

a. By choosing a higher deductible

Your home insurance deductible is the amount you agree to pay towards a claim before your insurance company will step in and pay the rest. In many cases, raising your deductible can reduce the price of your annual premium. Therefore, homeowners must understand how a deductible works in a home insurance policy. For instance, homeowners paying a deductible of 500 and 1500 pay a premium of $890.19 and $758.1 on homeowners insurance in SKern County, CA. In contrast, homeowners paying a deductible of 2000 and 2500 pay $688.18 and $646.92, respectively. Therefore, the higher the deductible, the lower the homeowners insurance rates in Kern County, CA.

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b. By installing security features

The purpose of home security and security features is to reduce the risk. Lower risk means lower home insurance rates in Kern County, CA. Most insurers offer discounts for homes equipped with safety features. For example, a deadlock can hold the intruders away from your home or make it more difficult for them to break into your home. Home insurance offers a discount as theft probability will be less in residences with deadbolts. For example, homes with deadbolts in Kern County, CA, pay $575.1 on home insurance.

c. By maintaining a zero claims history

Claims history is the data about your claims on the insurance policy. It includes the loss issue, the reason for the damage, and how much you received from the insurer and others. However, homeowners must avoid filing claims for minor reasons like wiring, plumbing, etc. Insurance companies show a keen interest in analyzing the profile of the homeowner as it can help determine home insurance rates in Kern County, CA. For example, homeowners in Kern County, CA, with zero claims history, have to pay a premium of $549.54. In contrast, homeowners with one or two claims have to pay $677.34 and $728.46 on homeowners insurance in Kern County, CA.

Kern County, CA Homeowners Insurance By Home Value

Kern County, CA Home Value Total Homes % of Total Average Kern County, CA Homeowners Insurance
Less than $50,000 10,953 7.0% $83
$50,000 to $59,999 2,966 2.0% $178
$60,000 to $69,999 4,040 2.0% $220
$70,000 to $79,999 4,224 3.0% $255
$80,000 to $89,999 5,902 4.0% $291
$90,000 to $99,999 4,615 3.0% $327
$100,000 to $124,999 14,324 10.0% $380
$125,000 to $149,999 13,097 9.0% $476
$150,000 to $174,999 17,354 12.0% $559
$175,000 to $199,999 12,346 8.0% $648
$200,000 to $249,999 21,364 15.0% $779
$250,000 to $299,999 13,809 9.0% $952
$300,000 to $399,999 13,513 9.0% $1213

Top Home Insurance Agents Near Kern County, CA

Home Insurance Company Near Kern County, CA Homeowners Insurance Agency Near Kern County, CA Address
NA Roger Miller Ins. Agency, A Div Of Dibuduo & Defendis 531Kern Street, Taft, CA, 93268
Farmers Brian Parks 1612 California Ave, Bakersfield, CA, 93304
Allstate Helen Morgan 9910 Rosedale Hwy Ste B2, Bakersfield, CA, 93312
Travelers Kia Insurance Associates Inc 5407 STOCKDALE HWY, BAKERSFIELD, CA, 93309
Farmers Maria Gonzalez 8224 Espresso Dr Ste 100, Bakersfield, CA, 93312

Kern County, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Kern County, CA

Streets in Kern County Area Homeowners Insurance Cost
Costajo Rd, W Orchard Pkwy, Old Well Rd, Sumter Dr, Stover Ave, Renfro Rd, Carneros Ave, Patterson Rd, W Coronado Ave, Firebaugh St$584
Pebblewood Dr, Gregory Dr, Sunny Ct, Butterfield Ave, Rossetta Ave, Fragrant Cloud Dr, Cara Way, N Everett St, Rail Ave, 24th St$576
Odyssy Way, Sentori Ct, Oak Tree Ave, Splendor Way, Palmetto Rd, Marsh Creek Dr, N el Dorado Cir, Jolynn St, Office Ln, Ccmo Rd$598
Foxtail Pine Dr, Shafter Rd, E 8th St, Payne Ln, Brown St, Purcell Ln, Roby Ln, Reina Rd, Arlana Way, Boron Frontage Rd S$598
Blanket Flower Dr, Argent St, Santos Ct, Brannock Ct, Culiacan Ave, Fallstaff Ln, Canyon View Rd, Longhorn Ln, S Browning Rd, Champagne Way$605
Vista Rica Ct, Pebble Beach Way, Garber Ave, Rushing River Ct, E Ash Ave, Hall Rd, Longway Ln, Clinton Way, Rim Way, Lemon Lilly Dr$599
Indian Wells Ave, E Coso Ave, Julie St, Lamberton St, Fiorito St, Ironrock Ave, Greatfalls Ct, Daneshill Dr, S Sanders St, Wayne Dr$593
Christmas Rose Dr, Rex Ave, Astoria Ct, Burma Ave, Rowe St, Carsen Way, Grecian Laurel St, E Kern Ave, Fuchsia Ave, Kenniston St$583
Bell Ct, Buenaventura St, Olcott Ave, High Country Dr, S O St, Beckes St, Arthur Ave, Washington Ave, Mil Potrero Frontage Rd, Golden Sunset Ct$583
Campania Dr, Don St, Paul's Place Dr, Rancho Santa Fe St, Sabre St, S M St, Hermosa Ave, Steinhoff Rd, Payne Way, Basin Harbor Ct$584

Kern County, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Kern County$89 to $91
Edmundson Acres$88
Keene$95
Fuller Acres$86

Kern County, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Edmundson Acres CDP, California $88 $117 $176
Keene CDP, California $95 $126 $189
Fuller Acres CDP, California $86 $115 $173

Kern County, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Kern County, CA3.2%13.0%
Keene2.54%5.28%
Fuller Acres5.38%18.96%
Lamont4.27%17.63%

Kern County Renters Insurance as a Percentage of Rent

Kern County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 2,051 2.0% $802
$300 to $499 7,482 7.0% $1252
$500 to $749 25,180 25.0% $1927
$750 to $999 27,289 27.0% $2677
$1,000 to $1,499 25,453 25.0% $3802
$1,500 or more 10,545 10.0% $5452

Latest Home Insurance Reviews by Location

Delano, CA

Farmer's Insurance
it is very good company with good rate of return and will remind us about the due dates all the time
Read more Delano home insurance reviews

Oildale, CA

State Farm
I would recommend my insurance company because i feel as if it is priced reasonably and feel i have always had great customer service with dealing with any issues.
Read more Oildale home insurance reviews

Bakersfield, CA

Amica Mutual Insurance
I would recommend this company because they do a pretty good job. I haven't needed to file a claim, so I have no idea how well they would work in a pinch.
Read more Bakersfield home insurance reviews

Tehachapi, CA

Farmer's Insurance
I would recommend this company because they are reliable and reasonably priced. They offer the minimum amount necessary for my apartment complex's rental agreement.
Read more Tehachapi home insurance reviews

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