Merced, CA homeowners insurance is nearly $504 to $682, about $42-$56/month. Our all inclusive guide indicates shoppers can save upto $237 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| 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 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| McSwain CDP, California | $94 | $125 | $188 |
| El Nido CDP, California | $94 | $125 | $188 |
| Franklin CDP (Merced County), California | $88 | $117 | $176 |
| 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 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 |
| Streets in Merced Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Merced | $88 to $91 |
| McSwain | $93 |
| Franklin | $88 |
| Bear Creek | $86 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | Horace Mann | 226 |
| 150000 | 500 | New | Horace Mann | 226 |
| 200000 | 500 | New | Nationwide | 438 |
| 200000 | 500 | New | Universal North America | 327 |
| 250000 | 500 | New | Horace Mann | 396 |
| 400000 | 1000 | New | Century National | 868 |
| 400000 | 1000 | New | MAPFRE Group | 701 |
| 500000 | 1000 | New | Hartford (Sentinel) | 865 |
| 750000 | 2500 | New | CSE Safeguard | 1099 |
| 150000 | 250 | 1-3 Years | QBE (Balboa) | 563 |
| 400000 | 1000 | 1-3 Years | Horace Mann P & C | 881 |
| 400000 | 1000 | 1-3 Years | MAPFRE Group | 831 |
| 500000 | 1000 | 1-3 Years | Oregon Mutual | 770 |
| 150000 | 250 | 4-6 Years | Oregon Mutual | 414 |
| 150000 | 500 | 4-6 Years | Horace Mann P & C | 343 |
| 150000 | 500 | 4-6 Years | Stillwater Ins Co | 488 |
| 200000 | 500 | 4-6 Years | AIG Prop Cas | 834 |
| 200000 | 500 | 4-6 Years | American Modern | 660 |
| 200000 | 500 | 4-6 Years | Nationwide | 640 |
| 250000 | 1000 | 4-6 Years | CSAA Ins Exch | 705 |
| 250000 | 1000 | 4-6 Years | Homesite | 731 |
| 500000 | 1000 | 4-6 Years | Oregon Mutual | 891 |
| 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 | |
| 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 |
| 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 |