The top-rated landlord insurance agent in Bakersfield, California is Elizabeth Cardenas - State Farm Insurance Agent, rated 5.0 stars across 499 reviews. Other highly rated options include Johnny Williamson - State Farm Insurance Agent, Acceptance Insurance, Omni Safe Insurance Bakersfield. This directory lists 20 landlord insurance agents serving Bakersfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Elizabeth Cardenas - State Farm Insurance Agent | 5201 California Ave Suite 230 | (661) 327-0838 |
| 2 | Johnny Williamson - State Farm Insurance Agent | 915 17th St | (661) 324-8700 |
| 3 | Acceptance Insurance | 3512 Ming Ave Ste A | (661) 430-2008 |
| 4 | Omni Safe Insurance Bakersfield | 3401 Pacheco Rd suite i | (661) 381-2200 |
| 5 | Dugan Insurance Services Inc. | 15007 Oakencroft Dr | (661) 343-5414 |
| 6 | Saber Insurance Agency | 8120 Rosedale Hwy Suite 100 | (661) 365-0100 |
| 7 | InsureOne Insurance | 2100 F St | (661) 430-2004 |
| 8 | OLIVER INSURANCE AGENCY LLC | 6300 White Ln suite a | (661) 836-6525 |
| 9 | NavSav Insurance - Bakersfield | 525 H St | (661) 322-1888 |
| 10 | Personal Express Insurance | 5301 Truxtun Ave STE 100 | (661) 634-4600 |
Elizabeth Cardenas - State Farm Insurance Agent serves the Bakersfield, California metro area, specializing in landlord insurance for residential and commercial property owners. The agency helps landlords protect rental properties against common risks such as fire, theft, and liability claims. Policies typically cover loss of rental income when a unit becomes uninhabitable. Clients can also access coverage for vandalism, water damage, and personal liability protection for property owners.
Johnny Williamson - State Farm Insurance Agent in Bakersfield, CA delivers a full range of landlord insurance services, including property damage, liability, and loss of rental income coverage. The agency helps property owners create a tailored policy to protect their investment while maintaining a straightforward maintenance and claims assistance plan. Regular policy reviews ensure coverage keeps pace with changing property values and local rental market conditions. This agent serves single-family homes, apartment complexes, retail spaces, and restaurants.
Acceptance Insurance in Bakersfield, California, is a provider of landlord insurance policies tailored for property owners seeking to protect rental investments. Its service range includes coverage for property damage, liability protection, and loss of rental income from tenant-related issues. The company also addresses common regional risks, such as earthquakes or wildfires, that affect residential and commercial rental properties in Kern County. For an added specialty, landlords can secure additional coverage options like vandalism or equipment breakdown insurance.
Omni Safe Insurance Bakersfield serves property owners and landlords who need coverage for rental dwellings in Bakersfield, California. The company specializes in landlord insurance policies that protect against property damage, liability claims, and lost rental income. Its agents help clients understand coverage options tailored to managing single-family homes or multi-unit properties. Omni Safe Insurance also assists with risk assessment and policy bundling for residential rental portfolios. The agency extends its landlord insurance services to clients in the neighboring community of Oildale within the greater Bakersfield metro area.
For property owners in Bakersfield, Dugan Insurance Services Inc. offers both one-time and recurring landlord insurance solutions tailored to different investment strategies. Standard coverage typically protects against property damage, liability claims, and potential loss of rental income. Whether managing a single rental or multiple units, clients can secure essential financial safeguards for their real estate holdings. All services are available on an as-needed basis, allowing landlords to adjust their coverage as their rental portfolio evolves.
As Bakersfield’s hot, dry summers increase the risk of fire damage to rental properties, Saber Insurance Agency provides tailored landlord insurance solutions in the area. The company works with property owners to secure coverage that addresses local hazards like wildfire and drought liability. Their policies focus on protecting landlords from the financial impact of property damage and tenant-related claims common in Kern County. To ensure proper protection, Saber Insurance Agency conducts a detailed initial assessment of each rental property before finalizing a policy.
InsureOne Insurance serves landlords throughout the Bakersfield, California metro area, offering specialized property coverage tailored to rental property owners. The agency helps clients secure policies that protect against damage from tenants, weather events, and liability claims common in the local market. Landlords in Bakersfield often require robust dwelling coverage, loss of rental income protection, and liability insurance for their investments. InsureOne works with property owners to structure these essential coverages to match individual rental portfolios. The agency routinely handles both single-family rental and multi-unit dwelling insurance policies.
OLIVER INSURANCE AGENCY LLC offers residential landlord insurance solutions in Bakersfield, California, plus additional commercial coverage for rental properties and service throughout the local area. Policies protect property owners from tenant-related damages, liability claims, and unexpected vacancy losses. The agency follows up with clients after initial policies are issued, providing adjustments and repeat service between regular visits to match changing rental circumstances.
NavSav Insurance - Bakersfield serves Bakersfield and the surrounding communities in Kern County, handling tailored landlord insurance policies for rental property owners. It manages coverage for single-family homes, multi-unit dwellings, and other income properties. The agency helps protect landlords from liability, property damage, and lost rental income. To handle a typical job, it reviews each client's unique property portfolio, clarifies policy options, and customizes a plan to match the specific risks and needs of the rental investment.
Personal Express Insurance provides property coverage solutions for landlords in Bakersfield, California, focusing on the unique risks associated with rental investments. Their services can protect multi-unit dwellings, single-family rentals, and vacation homes. Policies address liability concerns and structural damage. The company also offers specialized add-ons such as loss of rent coverage and flood insurance to safeguard income streams. It can serve commercial sectors including offices, warehouses, and food service establishments, ensuring broad property protection for diverse business types.
What Does a a Landlord Insurance Agent in Bakersfield Cost?
Typical costs for a landlord insurance policy in California range from 15 to 30 percent more than a standard homeowners policy. For a single-family rental, annual premiums often fall between 800 and 1,500 dollars, depending on property value, location, and coverage limits. Higher-risk areas like wildfire zones may see premiums above 2,500 dollars. This is general information and not insurance advice.
About landlord insurance agents in Bakersfield
A landlord insurance agent in Bakersfield helps property owners protect their rental investments with tailored policies. California law requires landlords to maintain certain liability coverages, and a local agent can explain how state regulations like rent control or habitability standards affect your policy. Working with an agent ensures you meet legal requirements while covering risks specific to Kern County properties.
Frequently Asked Questions
What does a landlord insurance agent in Bakersfield do?
A landlord insurance agent helps you find a policy that covers property damage, liability, and loss of rental income. They assess your specific rental property needs and compare options from multiple carriers. In California, agents also advise on coverage for earthquake or wildfire risks common to the region.
Is landlord insurance required by California law?
California does not legally require landlord insurance, but most mortgage lenders mandate it. The law does require landlords to maintain a habitable property, and liability coverage protects you if a tenant is injured. Without insurance, you could face significant out-of-pocket costs for lawsuits or repairs.
How does California rent control affect my insurance needs?
California rent control laws, such as the Tenant Protection Act of 2019, limit annual rent increases and require just cause for evictions. These laws can affect your loss of rental income coverage if a tenant stops paying rent. Your agent can help you adjust your policy to account for these legal constraints.
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