Merced, CA - Data on Home Insurance Quotes, Rates & Agents
Merced, CA Home Values & Insurance Rates
| Merced, CA Home Value | Total Homes | % of Total | Average Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,099 | 8.0% | $88 |
| $50,000 to $59,999 | 392 | 2.0% | $189 |
| $60,000 to $69,999 | 385 | 2.0% | $237 |
| $70,000 to $79,999 | 571 | 4.0% | $272 |
| $80,000 to $89,999 | 724 | 5.0% | $314 |
| $90,000 to $99,999 | 578 | 4.0% | $349 |
| $100,000 to $124,999 | 1,446 | 10.0% | $403 |
| $125,000 to $149,999 | 1,360 | 10.0% | $504 |
| $150,000 to $174,999 | 1,530 | 11.0% | $598 |
| $175,000 to $199,999 | 988 | 7.0% | $693 |
| $200,000 to $249,999 | 1,812 | 13.0% | $830 |
| $250,000 to $299,999 | 1,115 | 8.0% | $1019 |
| $300,000 to $399,999 | 1,266 | 9.0% | $1292 |
Top Home Insurance Agents Near Merced, CA
| Home Insurance Company Near Merced, CA | Homeowners Insurance Agency Near Merced, CA | Address |
|---|---|---|
| State Farm | Bud Mcmillin | 1717 Oakdale Rd Ste O, Modesto, CA, 95355-3028 |
| Farmers | David Gould Lutcf | 1048 6th St, Los Banos, CA, 93635 |
| State Farm | Jon Whited | 1600 Sunrise Ave., Modesto, CA, 95350 |
| State Farm | Marilyn Rigg | 40315 Junction Drive, Oakhurst, CA, 93644-9159 |
| Allstate | Rick Eason | 3321 G St Ste A, Merced, CA, 95340 |
Estimated Home Insurance By Street Area Near Merced, CA
| Merced Area | Estimated House Insurance |
|---|---|
| W 7th St, Los Banos Hwy, Glen Ave, Mustang Ct, Phelps Dr, San Augustine Ave, la Cresenta Ave, Cassis Dr, W 8th St, Wainwright Ave | $576 |
| Evening Star Dr, Bale Mill Ct, Ensenada Ct, E Cardella Rd, Mirror Lake Dr, Thurman Dr, N San Pablo Ave, la Mirada Dr, Wildcat Dr, Tide Dr | $597 |
| Wardrobe Ave, Amy St, San Pedro Way, Sunflower Ct, Valley Forge Ave, Willowbrook Dr, Patty Dr, Vistana Dr, Loder Ln, Rensselaer Ct | $585 |
| Colony Ln, Halley Ave, Landram Ave, Brimmer Rd, Delta Dr, Colgate Ct, de la Guerra Ct, Henry Rd, Country Dr, Ellen Ave | $581 |
| Twilight Ave, N Gurr Rd, Dry Creek Ct, Sugar Pine Ct, Bel Air Dr E, W el Portal Dr, Lacava Rd, Topeka Dr, Chandon Dr, Harbor Dr | $598 |
| Spalding Ct, Barrows Ct, Wood St, S R St, Petinotti Rd N, W 26th St, W Childs Ave, W Ave 1, Massasso St S, W 12th St | $596 |
| Sepulveda Ave, Tudal Ave, Saint Andrews Dr, Cascade Creek Ave N, Oakland Ave, San Bruno Ct, Yew Ct, Mistwood Dr, Almond Ave, Miles Rd | $601 |
| Gary Ave, Pinon Ct, Cherokee Ave, S Vineyard Way, Capitola Ct, W 5th St, Thrift Rd, Solstice Ave, Sibley Pl, Lance St | $618 |
| W 3rd St, Peppertree Dr, Camelot Ct, Breezeway Ln, Echo Ave, Ranchero Ln, E 25th St, Sattui Ct, Clover Ave, Big Sandy Ave | $594 |
| Evelyn Ave, Buena Vista Ct, S P St, Cassis Dr, U St, Cone Ave, N Parsons Ave, Alan Ln, Lincoln Ave, Fauna Ct | $585 |
Savings on home insurance for senior occupied homes
| Place | Savings |
|---|---|
| Merced | $88 to $91 |
| McSwain | $93 |
| Franklin | $88 |
| Bear Creek | $86 |
Merced, CA Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Merced, CA | 3.2% | 12.4% |
| McSwain | 2.05% | 9.88% |
| El Nido | 1.53% | 52.69% |
| Franklin | 3.27% | 11.46% |
Merced Renters Insurance as a Percentage of Rent
| Merced Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 380 | 2.0% | $803 |
| $300 to $499 | 1,238 | 8.0% | $1253 |
| $500 to $749 | 4,543 | 30.0% | $1928 |
| $750 to $999 | 4,159 | 28.0% | $2678 |
| $1,000 to $1,499 | 3,364 | 22.0% | $3803 |
| $1,500 or more | 1,053 | 7.0% | $5453 |
Merced, CA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Merced Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,300 | $5,700 |
| Net Savings to Merced Home Owner from High Deductible Plan | $600 | |
Merced, CA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Merced, CA Home Replacement Value MORE than Home Value | Merced, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $142,000 | $91,000 |
| Insurance Premium based on Replacement Value | $450 | $275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $37,000 | Risk Exposure from Under Insuring Coverage is $14,000 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $125/year |
Example Merced Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Travelers | Amica Mutual Insurance Company | Allstate |
| Monthly Premium | 16 | 60 | 38 |
| Year Built | 2005 | 1982 | 1963 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $200000-$250000 | $150000-$175000 |
| Deductible | $2500-$5000 Deductible | $500 Deductible | $500- $1000 Deductible |
Merced, CA Auto & Home Insurance Bundling Discounts
| Place | 1 Car Bundle Savings | 2 Car Bundle Savings | 3 Car Bundle Savings |
|---|---|---|---|
| McSwain CDP, California | $94 | $125 | $188 |
| El Nido CDP, California | $94 | $125 | $188 |
| Franklin CDP (Merced County), California | $88 | $117 | $176 |
Sample Home Insurance Rates for Merced, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1974 | 200,000 | Wood Shake Roof | 2,040 | 3 | $5000 to $10,000 Deductible | 220 | 8 | Brick siding | yes |
| 1980 | 80,000 | Metal Roof | 1,000 | 2 | $2500-$5000 Deductible | 140 | 12 | Stone Siding | No |
| 2006 | 290,000 | Metal Roof | 3,600 | 5 | $5000 to $10,000 Deductible | 470 | 12 | Wood siding | No |
| 2011 | 275,000 | Membrane Roof | 2,720 | 4 | $1000-$2500 Deductible | 310 | 6 | Brick siding | yes |
| 2011 | 130,000 | Composition Roof | 1,170 | 2 | $1000-$2500 Deductible | 60 | 3 | Brick siding | yes |
| 1966 | 90,000 | Wood Shake Roof | 1,090 | 2 | $2500-$5000 Deductible | 100 | 8 | Fiber-Cement Siding | yes |
| 1993 | 140,000 | Asphalt Shingles Roof | 1,650 | 4 | $500 Deductible | 180 | 5 | Stucco siding | No |
| 1968 | 110,000 | Composition Roof | 1,310 | 3 | $2500-$5000 Deductible | 200 | 9 | Stucco siding | No |
| 1981 | 240,000 | Slate Shingles Roof | 2,910 | 4 | $500- $1000 Deductible | 390 | 6 | Fiber-Cement Siding | yes |
| 2010 | 85,000 | Membrane Roof | 1,070 | 2 | $500 Deductible | 150 | 7 | Vinyl siding | No |
| 1973 | 280,000 | Wood Shake Roof | 2,510 | 5 | $500 Deductible | 540 | 8 | Stucco siding | No |
| 1966 | 230,000 | Shingles Roof | 2,410 | 5 | $500- $1000 Deductible | 360 | 7 | Wood siding | yes |
| 1969 | 210,000 | Wood Shake Roof | 1,848 | 3 | $2500-$5000 Deductible | 460 | 8 | Stone Siding | No |