Kern County, CA Home Insurance - Analysis On Quotes, Rates & Agents
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.
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.
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Kern County, CA | 3.2% | 13.0% |
| Keene | 2.54% | 5.28% |
| Fuller Acres | 5.38% | 18.96% |
| Lamont | 4.27% | 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 Insuranceit is very good company with good rate of return and will remind us about the due dates all the time
Oildale, CA
State FarmI 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.
Bakersfield, CA
Amica Mutual InsuranceI 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.
Tehachapi, CA
Farmer's InsuranceI would recommend this company because they are reliable and reasonably priced. They offer the minimum amount necessary for my apartment complex's rental agreement.