Gavop's guide to buying homeowners insurance in Bear Valley Springs, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 2 Bedroom | $267,500 | $250,000 | $300,000-$350,000 |
| 3 Bedroom | $305,500 | $280,000 | $300,000-$350,000 |
| 4 Bedroom | $330,500 | $270,000 | $350,000-$400,000 |
| 5 Bedroom | $763,500 | $650,000 | $900,000-$1,000,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$58 | $582 |
| Home and Two Car | -$102 | $538 |
| Home and Three Car | -$147 | $493 |
| 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 | $2,500 | $612 | $3,112 | $445 | $2,945 | $167 |
| Bear Valley Springs, CA | $1,000 | $632 | $1,632 | $460 | $1,460 | $173 |
| Mojave, CA | $500 | $504 | $1,004 | $366 | $866 | $138 |
| Oildale, CA | $2,500 | $1,332 | $3,832 | $968 | $3,468 | $364 |
| Squirrel Mountain Valley, CA | $400 | $698 | $1,098 | $507 | $907 | $191 |
| Smith Corner, CA | $700 | $597 | $1,297 | $434 | $1,134 | $163 |
| Lancaster, CA | $200 | $640 | $840 | $465 | $665 | $175 |
| Panorama Heights, CA | $2,000 | $520 | $2,520 | $378 | $2,378 | $142 |
| Leona Valley, CA | $500 | $1,089 | $1,589 | $791 | $1,291 | $298 |
| Valley Acres, CA | $300 | $521 | $821 | $378 | $678 | $142 |
| Home Insurance Company Bear Valley Springs, CA | Homeowners Insurance Agency Bear Valley Springs, CA | Address | Popularity Score | Distance from Bear Valley Springs (miles) |
|---|---|---|---|---|
| State Farm | Corey Nolte | 445 W Palmdale Blvd Ste G, Palmdale, CA, 93551-4509 | 49.6 | |
| State Farm | April Clark | 5022 W Avenue N Ste 104, Palmdale, CA, 93551-5757 | 44.3 | |
| State Farm | John Cooper | 1400 Easton Dr Ste 127, Bakersfield, CA, 93309-9405 | 27.1 | |
| Allstate | Jeri Beaven-Mattox | 43642 10th St W, Lancaster, CA, 93534 | 44.1 | |
| Farmers | Scott Litchfield | 43535 17th St W Ste 401, Lancaster, CA, 93534 | 43.7 | |
| State Farm | Johnny Williamson | 4208 Rosedale Hwy Ste 202, Bakersfield, CA, 93308-6172 | 28.0 | |
| State Farm | Wendy Collins | 27737 Bqt Cyn Rd Ste 121, Santa Clarita, CA, 91350-3748 | 48.7 | |
| State Farm | Deedee Townsend | 43803 15th St W, Lancaster, CA, 93534-4756 | 43.6 | |
| Farmers | Scott Eckberg | 5401 Business Park S Ste 105, Bakersfield, CA, 93309 | 27.5 | |
| Farmers | Rorra Martin | 4201 Ardmore Ave Ste 2, Bakersfield, CA, 93309 | 26.4 |
| 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 |
| Bear Valley Springs, CA | $276,900 | $640 | $470 | $870 | $400 |
| Mojave, CA | $103,300 | $510 | $380 | $690 | $310 |
| Oildale, CA | $136,100 | $1,348 | $1,000 | $1,830 | $830 |
| Squirrel Mountain Valley, CA | $240,700 | $706 | $520 | $960 | $440 |
| Smith Corner, CA | $163,900 | $604 | $450 | $820 | $370 |
| Lancaster, CA | $213,100 | $648 | $480 | $880 | $400 |
| Panorama Heights, CA | $112,500 | $526 | $390 | $720 | $330 |
| Leona Valley, CA | $402,400 | $1,102 | $820 | $1,500 | $680 |
| Valley Acres, CA | $112,900 | $527 | $390 | $720 | $330 |