Gavop's guide to buying homeowners insurance in Kern County, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Kern County, CA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Umtali Rd, Pinewood Rd, Bull Dog Aly, Gwendolyn St, Marsden St, Hidden Oak Rd, McArthur Pl, Bareback Ln, Cottage Park Way, Greenfield Park Dr | $165,000 | $140,000 | $175,000-$200,000 | $120,500 | $110,000 | $100,000-$125,000 |
| Polaris St, Starling Dr, Wayne St, Niblick Ln, Olanche St, Vance Ave, Olson Ave, Walser Rd, Sherri St, 99th St W | $171,500 | $160,000 | $150,000-$175,000 | $110,000 | $90,000 | $125,000-$150,000 |
| 21st St, Sproat Way, Sumner St, Arbor Dr, Dodger St, Lusanne Ct, Tamara Ave, Harding Ave, Zinfandel St, W C St | $139,500 | $110,000 | $100,000-$125,000 | $185,500 | $160,000 | $175,000-$200,000 |
| Zemorra Rd, Valletta Ave, Urbano Dr, Tar Springs Ave, Irma Dr, 24th St, Mercatello Ave, Santos Ct, Violette Ct, Austin Creek Ave | $162,000 | $150,000 | $125,000-$150,000 | $126,500 | $110,000 | $150,000-$175,000 |
| Sudbury Ln, Peggy Way, Havilah Way, Valley View Dr, College Heights Blvd, Encina Ave, Trabancos Dr, Lauron Ct, Victor St, High St | $244,500 | $210,000 | $175,000-$200,000 | $148,500 | $140,000 | $150,000-$175,000 |
| la Mesa Dr, Young Cir, Houser St, Graceville Ct, Owens Peak St, Haberkern Dr, Cross Water Dr, Rader Ave, Ack Ack Ct, Scarlet Maple Ct | $149,000 | $140,000 | $125,000-$150,000 | $117,500 | $110,000 | $100,000-$125,000 |
| Orchard Crest Ave, Fenwick Dr, Weed Patch Loop, Prosser St, Rancheria Rd, Banyon Ct, Midland Trl, Cll Lechuga, Gill Ave, St Anton Dr | $112,000 | $110,000 | $100,000-$125,000 | $114,000 | $100,000 | $75,000-$100,000 |
| Riesling Vines St, Kaiser Ln, Greenview Ln, Chinook Ave, 19th St, Jonathan Pl, Redstone Ave, King Solomon Mine Rd, Evanston Ct, Pebblewood Dr | $129,000 | $120,000 | $125,000-$150,000 | $181,000 | $160,000 | $150,000-$175,000 |
| Webb Way, Calla Lily Dr, Poplar St, Smith St, Torrey Pines St, Blake Ave, Baron Ave, Irish Crystal Ct, Beasley St, Donald St | $71,500 | $70,000 | $50,000-$75,000 | $98,000 | $90,000 | $100,000-$125,000 |
| Mann Ct, W Saint George Ave, Granite Falls Dr, Ashley Emili Ln, Grey Way, McCloud Ct, Sheridan St, Mil Potrero Frontage Rd, Cherry Ln, Rutan Rd | $203,000 | $180,000 | $150,000-$175,000 | $82,500 | $70,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $508 |
| Superior Protection Discount | -$56 | $564 |
| Fire & Security Discount | -$50 | $570 |
| Hail Resistant Roof Discount | -$12 | $607 |
| Newly Constructed Home Discount | -$130 | $490 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Kern County | $700 | $612 | $1,312 | $445 | $1,145 | $167 |
| Kern County, CA | $700 | $612 | $1,312 | $445 | $1,145 | $167 |
| Lamont, CA | $100 | $1,043 | $1,143 | $758 | $858 | $285 |
| Arvin-Lamont, CA | $700 | $543 | $1,243 | $395 | $1,095 | $149 |
| Squirrel Mountain Valley, CA | $300 | $698 | $998 | $507 | $807 | $191 |
| Pine Flat, CA | $2,500 | $587 | $3,087 | $426 | $2,926 | $160 |
| Dustin Acres, CA | $100 | $524 | $624 | $381 | $481 | $143 |
| West Kern, CA | $1,000 | $568 | $1,568 | $413 | $1,413 | $155 |
| Valley Acres, CA | $300 | $521 | $821 | $378 | $678 | $142 |
| Terra Bella, CA | $1,500 | $572 | $2,072 | $415 | $1,915 | $156 |
| South Taft, CA | $400 | $514 | $914 | $373 | $773 | $140 |
| Taft Heights, CA | $2,000 | $538 | $2,538 | $391 | $2,391 | $147 |
| Home Insurance Company Kern County, CA | Homeowners Insurance Agency Kern County, CA | Address | Popularity Score | Distance from Kern County (miles) |
|---|---|---|---|---|
| Allstate | Evan Evans | 3939 Bernard St Ste 4, Bakersfield, CA, 93306 | 12.8 | |
| State Farm | George Farah | 4300 Stine Rd Ste 609, Bakersfield, CA, 93313-2354 | 18.6 | |
| State Farm | Mike Alexander | 312 H St, Bakersfield, CA, 93304-2914 | 16.5 | |
| Travelers | Stockdale Insurance Agency Inc | 1675 Chester Ave Ste 310, Bakersfield, CA, 93301 | 16.5 | |
| State Farm | Kathy Herm | 1056 Kern St, Taft, CA, 93268-2743 | 43.9 | |
| State Farm | Johnny Williamson | 4208 Rosedale Hwy Ste 202, Bakersfield, CA, 93308-6172 | 18.6 | |
| Travelers | Wm K Lyons Agency Inc | 2100 F Street, Suite 200, Bakersfield, CA, 93301 | 16.7 | |
| Travelers | Wm K Lyons Agency Inc | 2100 F St Ste 200, Bakersfield, CA, 93301 | 16.7 | |
| Farmers | Luis Solorzano | 6300 White Ln Ste E, Bakersfield, CA, 93309 | 19.5 | |
| Travelers | Ca New Generation Insurance Services Inc | 3117 19th St, Bakersfield, CA, 93301 | 17.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| Kern County, CA | $190,600 | $620 | $460 | $840 | $380 |
| Kern County, CA | $190,600 | $620 | $460 | $840 | $380 |
| Lamont, CA | $115,500 | $1,056 | $780 | $1,440 | $660 |
| Arvin-Lamont, CA | $126,700 | $550 | $410 | $750 | $340 |
| Squirrel Mountain Valley, CA | $240,700 | $706 | $520 | $960 | $440 |
| Pine Flat, CA | $156,300 | $594 | $440 | $810 | $370 |
| Dustin Acres, CA | $114,500 | $530 | $390 | $720 | $330 |
| West Kern, CA | $143,400 | $575 | $430 | $780 | $350 |
| Valley Acres, CA | $112,900 | $527 | $390 | $720 | $330 |
| Terra Bella, CA | $177,700 | $578 | $430 | $790 | $360 |
| South Taft, CA | $108,800 | $520 | $380 | $710 | $330 |
| Taft Heights, CA | $123,600 | $545 | $400 | $740 | $340 |