Why? Because we work with all the reputable home insurance companies serving Bakersfield. We know their policies inside out. And we constantly monitor their rates and shop around for the most competitive deals.
Plus, we work with you, not just for you, so we know your priorities and your budget. That enables us to customize a Bakersfield homeowners insurance program, or renters insurance, that's tailored precisely for you.
Your Bakersfield Home Insurance Plan
Standard homeowners insurance covers you against the following risks:
- Liability protection against claims and lawsuits for damage or injury to a visitor, passer-by or neighboring property that you're held to blame for. That includes things like slip-and-trip injuries, dog bites or even damage from a falling tree.
- Structural insurance if your Bakersfield home is damaged or destroyed from perils like fire, vandalism or windstorm.
- Contents insurance for your personal possessions -- everything from furniture and fittings, through clothing and appliances, to personal items. Total coverage is up to a limit specified in the policy and protects personal property you take with you when you travel.
How Central Valley Improves Your Bakersfield Home Insurance
We get to know and understand you special needs, so we can customize your Bakersfield home coverage for a perfect fit.
Some insurers won’t protect certain types of structure, but we can insure all types of homes including: Frame houses, CBS homes (Concrete Block Structure), Manufactured homes, Mobile homes on acreage, Condos, Townhouses, Secondary homes, Homes you rent to others, Seasonal resident homes
Then we shop around for a great deal. Here are some of the elements we consider:
- Are the financial limits of a standard policy enough to fully protect you, or do you know a low-cost top-up known as umbrella insurance?
- Do you need coverage against the cost of sewer back-up? Most standard policies don’t cover this.
- Is your pet covered? Some insurers won’t protect against injuries caused by certain breeds.
- Do you have jewelry, antiques or other high-value items that a standard policy won’t fully cover?
- Does your home have unique features that would add to any repair or rebuilding costs?
- How much would it cost to rebuild your home? Structural insurance is based on rebuilding/repair costs not market value.
- Do you need additional protection like flood or earthquake insurance that falls outside a standard policy? We can advise you on the risks in your particular locale.
- Are you entitled to any premium discounts, for example if you have more than one policy with the same company, have special security arrangements, or are prepared to pay a higher amount of any claim from your own resources?
See the Difference?
You may not get anything like this level of personal service elsewhere -- and certainly not on the end of an out-of-state phone line or website.
Furthermore, if you need to make a claim or if you have any questions or special needs, you'll be dealing with a team of friendly experts who know all there is to know about Bakersfield homeowners and renters insurance.
Why You Should Act Now
Your Bakersfield home and its contents absolutely must be insured for your own financial protection.
You may be just starting out as a homeowner or renter, or you may already be insured and wonder if you're getting the right deal. We can tell you, And, if you're already insured, you don’t have to wait till your existing policy is due for renewal before getting the ball rolling.
The decision is as simple as this: The sooner you speak to us, the sooner you'll learn about great Bakersfield home insurance that's right for you.
Contact us now at (559) 802-4094, free and without obligation, to answer your questions or provide a quote. We're here for you.
