Thanks for taking a few moments to review our Bakersfield, CA Renters Insurance Guide. If you have questions about renters insurance in Bakersfield, or California Renters Insurance in general, you’re in the right place. Effective Coverage is the leading group of experts on the insurance needs of renters, and we work to both offer the right programs and policies as well as to educate renters on their insurance needs, in line with our core values.
Spend a few moments, look through the information we offer, and then if you still have questions or need a policy, feel free to call us at (800)892-4308, use the live chat feature of our site, or click above for online California renters insurance quotes, in Bakersfield and beyond.
Bakersfield, CA Renters Insurance
What Risks Does Bakersfield Renters Insurance Protect Me Against?
That depends on which part of the coverage you’re referring to. The part most people think of is personal property coverage, which covers many named perils listed in the policy. That makes sure that if there’s a loss, you’re able to recover and rebuild your life with property that’s equivalent to what you had before the loss. It’s important to make sure you have a replacement cost renters insurance policy. Actual cash value coverage won’t go very far to replace your things. Also make sure you have an endorsement for valuable items like jewelry.
Loss of use coverage protects you against the risk of additional living expenses in the event of an otherwise covered claim. If there were a fire, could you afford to house your family in a hotel? How much would you be inconvenienced? How would it affect your standard of living? Bakersfield renters insurance covers the risk of costs from a hotel after a covered loss, as well as other additional living expenses.
Medical payments to others coverage protects you against the risk of someone suffering a minor injury on your premises. If you have Bakersfield renters insurance, not only is there coverage for small injuries, but you don’t even have to admit to being at fault. While the overly litigious world we live in would like to assign fault and blame in every situation, some things simply just happen. Your carpet could be laid perfectly by someone with thirty years of experience, and someone could still find a way to trip over their own two feet while walking across it. There’s no fault or negligence to be found, but the injury did happen on your premises. That means that the injured party will likely expect you or your policy to respond to it. Medical payments to others protects against the risk of admitting fault for minor injuries such as these, as well as the costs of paying for them.
But what if the injury is clearly due to your negligence, or significant enough to be outside the scope of the small medical payments to others coverage? Or what if you damage someone’s property? Liability coverage on your renters insurance policy protects you against the risk of having to pay for accidental injuries or property damage that someone suffers for which you’re responsible. These expenses can add up very quickly, and do serious damage to your savings and your future. Liability coverage on your Bakersfield renters insurance protects you from these risks, as well as provides you with a defense should a claim be made.
Does My Credit Affect The Price Of Bakersfield Renters Insurance?
We frequently get asked by new residents of CA whether or not their credit will affect the price of renters insurance in Bakersfield. Since 47 states allow the use of credit based insurance scores, this is a natural questions. The answer is that credit is in no way a rating factor on Bakersfield renters insurance, nor on property and casualty coverage anywhere in California.
That doesn’t mean that everyone pays the same rate, of course, it just means that credit is not used in rating or underwriting in California. Many other rating factors do come into play.
Since many people move to California as part of starting a major change in their life, or to leave something else behind, this is a common question. Some people who are walking away from past mistakes might have damaged credit. It’s comforting for them to know that their credit won’t follow them to their California Renters Insurance purchase.
Does Renters Insurance In Bakersfield Cover My Family?
Named insured is generally defined as “Named Insured, resident spouse, and resident relatives.” In other words, if you family lives with you in Bakersfield renters insurance will cover them. You may want to consider adding additional personal property and liability coverage to account for the additional people, however.
If it makes you feel more comfortable, you can list a spouse or family member who lives with you as a named insured. If you go that route, however, remember that it’s difficult to remove an additional named insured should the need arise. Many people choose not to list their spouse or resident family members, because it’s just not necessary. The policy already provides coverage to them.
If you’re living with an unmarried partner or fiancee, beware! That person is not automatically covered under the policy. To fix that problem, see our post and video on how to add an unmarried partner to renters insurance. It’s not a difficult or expensive process, but it is something that needs to be handled correctly the first time in order to ensure coverage under your renters insurance in Bakersfield.
Do Most Landlords Require Renters Insurance In Bakersfield?
Yes. A quick poll of major landlords and property managers in revealed that renters insurance in Bakersfield is required in up to 89% of rentals! On the other hand, your landlord doesn’t per se require you to clean out your fridge with reasonable frequency, but you do it anyway because it’s the right thing to do to protect your family from spoiled food or worse.
That’s why most people have Bakersfield renters insurance – because it’s the right thing to do to protect their families. Sure, their landlord requires it, but that doesn’t mean that they wouldn’t make sure they’re covered regardless of the requirement. Whether or not your landlord requires it, having Bakersfield renters insurance is the responsible thing to do.
Being covered is important to your future, and to more. What if there were a liability claim against you and you didn’t have California Renters Insurance to defend against it or to pay the claim? The legal bills and the payments on the judgment could seriously impact not only your standard of living, but also that of your children and family. Fifteen or twenty dollars a month to avoid the risk of your children having less for years to come is a worthwhile investment in your family’s future.
How Can I Get Bakersfield, CA Renters Insurance?
That’s the easiest question to answer! Effective Coverage offers Bakersfield renters insurance in just minutes. You can call, click, or chat to work with a renters insurance expert who will take the time to understand your individual situation and make sure your needs are met. Effective Coverage focuses on the insurance needs of renters, which means you always get the coverage you deserve, the service you deserve, and the price you deserve.
Renting In Bakersfield, CA
Renting in Bakersfield is often difficult. With a population of nearly 400,000 and a mean housing unit price of $300,000, housing is in short supply. This is no different than many other cities in California, though. Median gross rent is just $995 a month, which is slightly less expensive than other parts of the state. Since there’s such fierce competition for housing, it’s important to be the best potential tenant you can be. Did you know that landlords view applicants who already have Bakersfield renters insurance more favorably, because they’re perceived to be more responsible since the landlord doesn’t have to compel them to get the coverage?
Bakersfield is located near the southern end of the San Joaquin Valley, nestled in Kern County about halfway between Fresno and Los Angeles, each of which is about a hundred miles north or south, respectively. It’s the county seat, which adds quite a few jobs to the local economy.
Contrary to popular belief, it does snow in Bakersfield. The last time was January 25, 1999. Since the snow seems to be a 20-30 year event, we’re coming close to being due for another one!
Speaking of the economy, Bakersfield is known for the wide variety of business types that contribute to the local economy. It’s located in the most productive oil producing county, and one of the top five largest agricultural producing counties in the US. Natural gas and energy, aerospace, mining, manufacturing, food processing, and distribution are other major industries. As a result, finding work in Bakersfield is reportedly easier than finding housing. Either way, it’s important for you to make sure you have Bakersfield renters insurance to protect your home, your lifestyle, and your family. All you have to do is take just a moment to call (800)892-4308 or click to get covered - whether you need Bakersfield renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.