Blue Rivers Insurance Brokers
4450 Stine Rd, Ste G, Bakersfield, CA 93313
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Bakersfield households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4450 Stine Rd, Ste G, Bakersfield, CA 93313
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5610 District Blvd, Ste 103, Bakersfield, CA 93313
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4900 California Ave, #210B, Bakersfield, CA 93309
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4900 California Ave. 210-B, Bakersfield, CA 93309
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525 H St, Bakersfield, CA 93304
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4900 California Ave Tower B 2nd, Floor, Bakersfield, CA 93309
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1910 E California Ave, Suite W, Bakersfield, CA 93307
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1701 G St, Bakersfield, CA 93301
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1230 Chester Avenue, Bakersfield, CA 93301
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418 Oak St, Bakersfield, CA 93304
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Learn about insurance coverage options specific to Bakersfield residents.
Bakersfield faces 89% earthquake risk in 50 years. Learn about CEA coverage, costs ($1,200-$3,000/year), deductibles, and why oil fields increase seismic activity.
Home Insurance58% of Bakersfield homes face high wildfire risk from grassland fires. Learn about insurance coverage, costs, and the CA FAIR Plan for protection.
Home InsuranceBakersfield home insurance averages $1,867/year. Learn about earthquake coverage, wildfire risks, and air quality impacts on your policy.
Home InsuranceBakersfield home insurance averages $900-$1,300/year—far less than coastal CA. Learn about earthquake coverage, fire zones, and bundling discounts.
Car InsuranceBakersfield car insurance averages $200/month for full coverage—cheaper than LA or Bay Area. Learn rates, Highway 99 risks, and how to save 10-25% with discounts.
Car InsuranceBakersfield auto insurance averages $1,500-2,000/year. Learn about CA's new 30/60/15 minimums, Highway 99 risks, and how to save with bundling discounts.
No, standard homeowners insurance policies in California do not cover earthquake damage. You need a separate earthquake insurance policy to protect your home and belongings from earthquake-related losses. This includes structural damage, personal property damage, and additional living expenses if your home becomes uninhabitable.
Earthquake insurance in Bakersfield typically costs between $1,200 and $3,000 annually for a home valued at $500,000, though rates can vary from $50 to $7,500 depending on factors like your home's age, construction type, soil conditions, and chosen deductible level. Older homes and those built with brick or masonry generally face higher premiums due to increased vulnerability.
CEA earthquake insurance policies typically have deductibles ranging from 5% to 25% of your dwelling coverage amount. For example, with a $500,000 policy and a 15% deductible, you would pay the first $75,000 in damages before your insurance coverage begins. Higher deductibles result in lower premiums but greater out-of-pocket costs after an earthquake.
While technically possible in some cases, it's not advisable to wait until after an earthquake to purchase coverage. Most earthquake insurance policies have a waiting period before coverage takes effect, and insurers often temporarily stop issuing new policies following a significant seismic event. It's best to secure coverage before you need it.
Earthquake insurance covers damage from ground shaking regardless of the earthquake's cause, whether it's natural tectonic activity or potentially influenced by oil field operations. As long as the damage results from an earthquake, your CEA policy will respond according to its terms, subject to your deductible and coverage limits.
According to USGS data, there is an 89% chance of a major earthquake within 50 kilometers of Bakersfield in the next 50 years. Kern County experiences approximately 1,100 earthquakes per year on average, with the area having had at least three quakes above magnitude 5.0 since 2000. The region's proximity to the White Wolf Fault and San Andreas Fault creates ongoing seismic risk.
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