Local Bakersfield, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, auto, and business insurance in Bakersfield, California
Bakersfield anchors the southern end of the San Joaquin Valley in Kern County, where oil fields and farmland meet. The Kern River runs through the city, and fast-growing subdivisions in the southwest and northwest contrast with older homes downtown and in East Bakersfield.
Homeowners insurance in heat and wind
Very hot summers put steady strain on roofs and air conditioning systems, and valley winds can kick up dust and damage fences and shingles. Backyard pools are common, which makes personal liability limits worth a look. We shop homeowners coverage across carriers and offer umbrella coverage for added protection.
Earthquake and flood coverage in Kern County
The 1952 Kern County earthquake and its aftershocks damaged much of downtown Bakersfield, and the Kern River, regulated by Isabella Dam upstream, runs high in heavy snowmelt years. Neither risk is covered by a standard home policy, so we quote earthquake insurance and flood insurance separately.
Autos, oil, agriculture, and trucking
Highways 99 and 58 carry heavy freight traffic, and winter tule fog adds to the risk on any auto policy. We also insure contractors serving the oil fields, farms and ranches, trucking operations, and other local businesses.
Your insurance team for Bakersfield, California
We also serve nearby Oildale, Shafter, Delano, Arvin, and Tehachapi, along with communities across California.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.
We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.
"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
Elye Insurance
Your trusted insurance advisor in Bakersfield, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Bakersfield, California.
