ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeUmbrella Insurance AgentsCalifornia › Bakersfield

Find Umbrella Insurance Agents Near You in Bakersfield, CA

Browse umbrella insurance agents serving Bakersfield, California. Updated 2026-07-14.

The top-rated umbrella insurance agent in Bakersfield, California is Freeway Insurance, rated 4.8 stars across 872 reviews. Other highly rated options include Adriana's Insurance Services, AAA Bakersfield Insurance and Member Services, Acceptance Insurance. This directory lists 20 umbrella insurance agents serving Bakersfield.

Showing 20 umbrella insurance agents in Bakersfield, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Freeway Insurance5021 Stockdale Hwy(661) 282-1855
2Adriana's Insurance Services3900 Niles St suite 103(661) 246-4470
3AAA Bakersfield Insurance and Member Services1500 Commercial Way(661) 327-4661
4Acceptance Insurance3512 Ming Ave Ste A(661) 430-2008
5Dreamers Multi Services Insurance Agency308 H St(661) 489-3555
6Dugan Insurance Services Inc.15007 Oakencroft Dr(661) 343-5414
7Saber Insurance Agency8120 Rosedale Hwy Suite 100(661) 365-0100
8InsureOne Insurance2100 F St(661) 430-2004
9OLIVER INSURANCE AGENCY LLC6300 White Ln suite a(661) 836-6525
10NavSav Insurance - Bakersfield525 H St(661) 322-1888
FI
5021 Stockdale Hwy
Freeway Insurance
Umbrella Insurance Agent · Bakersfield, CA

Freeway Insurance in Bakersfield, California, is known for providing umbrella insurance coverage that extends liability protection beyond standard home and auto policies. Its service range includes personal liability policies designed to cover major claims and legal costs that can exceed primary insurance limits. Umbrella insurance agents in this area commonly help clients protect assets from unexpected lawsuits. Freeway Insurance can add on coverage for incidents involving rental properties or watercraft.

AS
3900 Niles St suite 103
Adriana's Insurance Services
Umbrella Insurance Agent · Bakersfield, CA

Adriana's Insurance Services serves the Bakersfield, California metro area, offering umbrella insurance to provide supplemental liability coverage beyond standard policies. This firm helps local residents and businesses protect their assets against large claims and lawsuits that could exceed primary policy limits. It also handles the necessary policy adjustments to coordinate with existing auto and homeowners insurance. Services include advising on appropriate coverage levels and processing claims related to excess liability situations.

AB
1500 Commercial Way
AAA Bakersfield Insurance and Member Services
Umbrella Insurance Agent · Bakersfield, CA

AAA Bakersfield Insurance and Member Services serves Kern County and the greater Bakersfield area, offering umbrella insurance policies tailored to local property owners. These policies provide an extra layer of liability coverage beyond standard home or auto plans, helping protect assets from major claims or lawsuits. The agency assists residents with selecting appropriate coverage limits and navigating policy requirements. It specializes in coordinating umbrella plans with existing auto and homeowners insurance to ensure consistent protection.

AI
3512 Ming Ave Ste A
Acceptance Insurance
Umbrella Insurance Agent · Bakersfield, CA

Acceptance Insurance provides umbrella insurance services to clients in Bakersfield, California, extending liability coverage beyond standard policies for added financial protection. Its service approach involves assessing policyholders’ existing coverage limits to recommend appropriate umbrella additions, ensuring seamless integration with homeowners or auto plans. Maintenance plans focus on periodic coverage reviews as assets or risk exposures change. The agency services a range of properties, including single-family homes, apartments, retail spaces, and restaurants, tailoring excess liability solutions to each property type’s specific needs.

DM
308 H St
Dreamers Multi Services Insurance Agency
Umbrella Insurance Agent · Bakersfield, CA

Dreamers Multi Services Insurance Agency provides personalized umbrella insurance coverage designed to extend liability protection beyond standard home and auto policies. Its service approach includes offering comprehensive consultations to evaluate individual exposure risks and tailoring coverage limits accordingly. Maintenance plans involve annual policy reviews to ensure liability protection keeps pace with changes in personal assets or lifestyle. The company serves a diverse range of property types in Bakersfield, CA, including single-family homes, apartments, retail spaces, and restaurants.

DI
15007 Oakencroft Dr
Dugan Insurance Services Inc.
Umbrella Insurance Agent · Bakersfield, CA

Dugan Insurance Services Inc. serves clients in Bakersfield and the surrounding Kern County communities, handling the specialized placement of umbrella insurance policies. These policies provide an extra layer of personal liability protection that extends beyond the limits of standard auto and homeowners coverage, safeguarding assets against major claims or lawsuits. For a typical job, Dugan Insurance Services Inc. works closely with applicants to review existing underlying policies and evaluate their personal liability exposures, then secures the appropriate level of coverage to fill potential gaps.

SI
8120 Rosedale Hwy Suite 100
Saber Insurance Agency
Umbrella Insurance Agent · Bakersfield, CA

As an umbrella insurance agent, Saber Insurance Agency in Bakersfield, CA specializes in providing excess liability coverage that extends beyond standard policy limits. It generally serves local homeowners and drivers seeking an extra layer of financial protection against large claims or lawsuits. This typical service helps clients safeguard assets and future earnings in a region where seasonal storms and the associated liability risks from flooded roadways or property damage often arise.

II
2100 F St
InsureOne Insurance
Umbrella Insurance Agent · Bakersfield, CA

Homeowners, businesses, and property managers in Bakersfield rely on InsureOne Insurance for umbrella liability coverage that extends protection beyond standard policy limits. This local agency helps clients safeguard assets against major claims or lawsuits, ensuring financial security in a region prone to natural liabilities. Additional layers of coverage can address gaps in auto, home, or commercial policies. The firm also serves clients in nearby Tehachapi and the greater Kern County area.

OI
6300 White Ln suite a
OLIVER INSURANCE AGENCY LLC
Umbrella Insurance Agent · Bakersfield, CA

Winter storms in Bakersfield often bring unexpected liability risks from wet driveways and icy sidewalks. Oliver Insurance Agency LLC helps residents assess their exposure by clarifying how an umbrella policy extends coverage beyond standard home and auto limits. This extra layer is designed to protect savings and future earnings from large claims. The process begins with a straightforward review of existing policies and personal assets. Every initial assessment is tailored to each client’s specific situation and local conditions.

NI
525 H St
NavSav Insurance - Bakersfield
Umbrella Insurance Agent · Bakersfield, CA

NavSav Insurance in Bakersfield serves homeowners, property managers, and business owners seeking added liability protection beyond standard policy limits. Their umbrella insurance agents help clients safeguard assets from major claims, covering gaps in auto, home, or commercial liability. The agency works closely with policyholders to find appropriate coverage options for high-net-worth properties and rental portfolios. This team also assists residents and investors in nearby communities such as Oildale, ensuring comprehensive umbrella solutions across the southern San Joaquin Valley area.

CT
4800 White Ln Suite E
Cal Total Insurance Services, LLC
Umbrella Insurance Agent · Bakersfield, CA
(661) 369-8902
caltotalinsurance.com
OI
2508 Niles St
Oliver Insurance Agency LLC
Umbrella Insurance Agent · Bakersfield, CA
(661) 363-8078
oliverinsuranceagencyllc.com
OF
400 H St
Omega Financial & Insurance Services Inc
Umbrella Insurance Agent · Bakersfield, CA
(661) 326-6870
quoteomega.com
BI
2400 Wible Rd # 5
B&Y Insurance Agency
Umbrella Insurance Agent · Bakersfield, CA
(661) 412-4139
FR
1701 G St
Fallgatter Rhodes Insurance Services
Umbrella Insurance Agent · Bakersfield, CA
(661) 324-2424
frins.com
HD
5630 District Blvd Ste 103
HARIOM DAHIYA Insurance Agency
Umbrella Insurance Agent · Bakersfield, CA
(661) 996-7944
PI
238 H St
Praise Insurance
Umbrella Insurance Agent · Bakersfield, CA
(661) 873-4983
PI
1601 Panama Ln Ste D104
Premier Insurance Services
Umbrella Insurance Agent · Bakersfield, CA
(661) 397-9800
mypremierinsurance.net
CI
2501 Edison Hwy
Charpentier Insurance Services
Umbrella Insurance Agent · Bakersfield, CA
(661) 855-4448
charpentierinsurance.com
BR
4450 Stine Rd STE G
Blue Rivers Insurance Brokers
Umbrella Insurance Agent · Bakersfield, CA
(661) 498-5555
blueriversins.com

What Does an a Umbrella Insurance Agent in Bakersfield Cost?

The cost of an umbrella insurance policy in California typically ranges from 150 to 300 dollars per year for one million dollars in coverage. Higher limits of two to five million dollars may cost 300 to 800 dollars annually. Factors like your driving record, number of properties, and existing insurance claims affect the premium. This is general information and not insurance advice.

About umbrella insurance agents in Bakersfield

Umbrella insurance agents in Bakersfield help you obtain personal liability coverage that extends beyond the limits of your home and auto policies. In California, where high property values and frequent lawsuits are common, an umbrella policy can provide an extra layer of financial protection. Agents in Kern County can guide you through policy options tailored to your specific risk profile.

Frequently Asked Questions

What does an umbrella insurance agent in Bakersfield do?

An umbrella insurance agent helps you purchase a personal liability policy that covers claims exceeding your primary insurance limits. They assess your assets and risks to recommend appropriate coverage amounts, often starting at one million dollars.

How much umbrella coverage do I need in California?

The amount depends on your net worth and potential liability exposure. Many agents suggest coverage equal to or greater than your total assets. In California, high medical costs and legal fees make at least one million dollars in umbrella coverage a common starting point.

Do umbrella policies cover legal defense costs in California?

Yes, most umbrella policies include coverage for legal defense costs even if the lawsuit is groundless. This is important in California where litigation can be expensive and time consuming.

Umbrella Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.